Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Navajo County, Arizona
Every institution that decided a 1–4 unit mortgage application in Navajo County, home to Show Low, between 2023 and 2025: 7,184 applications, 5,249 loans actually funded, across 8 kinds of borrowing.
Navajo County at a glance
7,184Applications decided
2023–2025
5,249Loans funded
73% of decisions
37Census tracts
17 ZIP codes
107,744People
ACS 2023
What the data shows
Lenders approved 79.9% of home-purchase applications in Navajo County, 9.0 points below the Arizona rate.
The typical purchase mortgage here is $295K.
Investment home improvement is the hardest money to get here: lenders approved 59% of 137 applications.
Lending by loan type in Navajo County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 79.9% | 2,915 | $295K | 95% | 205 |
| Home improvement loans | 61.1% | 602 | $85K | 86% | 66 |
| Cash-out refinance | 69.6% | 1,266 | $175K | 95% | 140 |
| Refinance | 83.5% | 654 | $275K | 92% | 131 |
| Investment property purchase | 90.0% | 1,244 | $315K | 92% | 206 |
| Investment cash-out refinance | 77.0% | 204 | $175K | 92% | 86 |
| Investment refinance | 83.3% | 162 | $295K | 90% | 73 |
| Investment home improvement | 59.1% | 137 | $145K | 93% | 37 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.