A source-backed view of Arizona mortgage-market activity, DIFI regulatory limits, NMLS verification, CFPB mortgage complaints, and statewide homebuyer programs. This is not a ranking, recommendation, or Trust Score. There is no current live Arizona mortgage-company roster in this snapshot.
Local catalog pages remain at /local-lenders/arizona. Those pages are not this official-source intelligence snapshot. No Arizona county or city routes are published from this page.
Snapshot metrics
308,338
Universe · HMDA applications
2025 HMDA applications for properties located in Arizona. Not a count of Arizona-licensed mortgage companies.
Complaint is not a violation. Not a company ranking.
15
Geography · Counties in HMDA geography
All 15 Arizona counties in this HMDA extract. County is property location, not a ranking.
2025
As-of · HMDA vintage
HMDA reporting vintage.
Market findings
2025 HMDA recorded 308,338 applications, 183,374 originations, and 49,721 denials for properties located in Arizona (16.13% denial rate). That is not a license count.
Purchase applications are 43.30% of the file, refinance applications are 34.22%, and other purposes are 22.48%. Conventional applications are 72.94%. Denial-reason fields are SOURCE_NOT_AVAILABLE_IN_COMMITTED_EXTRACT.
All 15 Arizona counties are in this HMDA geography, sorted alphabetically on this page. No Arizona county or city routes are published.
CFPB recorded 10,365 Arizona mortgage complaint rows. A complaint is not a violation and is not a company ranking.
Arizona DIFI mortgage classes apply through NMLS. The live company roster is SOURCE_NOT_ACQUIRED / OPEN_SEARCH_ONLY. Missing is not zero. Search-only is not zero.
2025 Arizona mortgage market
HMDA is a mortgage-application filing extract for properties located in Arizona. It is not an Arizona DIFI license roster, not a quality ranking, and the denial rate does not prove discrimination. An HMDA reporter is not an Arizona-licensed company. An Arizona office or HQ on an HMDA reporter is geography, not licensing.
308,338
Applications
HMDA 2025, properties in Arizona.
183,374
Originations
49,721
Denials
16.13%
Denial rate
Denials ÷ applications in this extract. Not quality and not a discrimination finding.
Trace this number
Source
Committed HMDA Arizona partition data/hmda/by-state/AZ/county_market_summary.csv. Properties located in Arizona. Not a second national download.
Source date
HMDA 2025
Denominator
308,338 applications
Calculation
denials / applications * 100, rounded to 2 decimals
Reporting grain
State overlay from 15 county rows
Coverage
ACQUIRED_CURRENT_SNAPSHOT
Caveat
HMDA is a mortgage-application filing extract for properties located in Arizona. It is not an Arizona DIFI license roster, not a quality ranking, and the denial rate does not prove discrimination. An HMDA reporter is not an Arizona-licensed company. An Arizona office or HQ on an HMDA reporter is geography, not licensing.
Applications compared with originations and denials
Applications308,338
Originations183,374
Denials49,721
Loan purpose (applications)
Purchase applications133,513
Refinance applications105,498
Other purpose applications69,327
Loan type (applications)
Conventional (72.94%)224,912
FHA (16.92%)52,160
VA (9.85%)30,364
USDA / other (0.29%)902
Trace this number
Source
Committed HMDA Arizona partition data/hmda/by-state/AZ/county_market_summary.csv. Properties located in Arizona. Not a second national download.
Source date
HMDA 2025
Denominator
308,338 applications
Calculation
Purchase 133,513; refinance 105,498; other 69,327. Conventional 224,912; FHA 52,160; VA 30,364; USDA/other 902.
Reporting grain
loan purpose and loan type on the same Arizona county-sum extract
Coverage
ACQUIRED_CURRENT_SNAPSHOT
Caveat
Purpose mix is not a quality ranking. Conventional share is not an underwriting finding.
SOURCE_NOT_AVAILABLE_IN_COMMITTED_EXTRACT
953 HMDA LEI reporters appear in the Arizona state summary. 123 have an exact LEI→NMLS map. An HMDA reporter is not an Arizona licensee. LEI is not NMLS.
Trace this number
Source
data/hmda/arizona/lei_to_nmls_mapping.csv plus Arizona LEI state rows
Source date
HMDA 2025
Denominator
953 Arizona HMDA LEI reporter rows
Calculation
123 reporters with an exact LEI→NMLS map; 141 mapping CSV rows. These two counts are not collapsed. LEI is not NMLS.
Reporting grain
institution LEI; NMLS only when source-native in the mapping file
Coverage
Committed mapping overlay, not a live license check
Caveat
An exact LEI→NMLS map is not current Arizona DIFI authority. An HMDA reporter is not an Arizona licensee.
Clock reconciliation
Originations match (183,374). Applications and denials differ because Ask lender-v1-fallback.json is a published network-metrics snapshot, not the live county-sum of the committed Arizona HMDA partition. This ticket uses the LenderTrustHub county-sum as canonical. Ask is not modified. ATH-AZ-002 should refresh Ask from this Lender snapshot.
Canonical for this page: 308,338 applications / 183,374 originations / 49,721 denials. Ask fallback remains 307,379 / 183,374 / 49,376 and is not rewritten here.
County market table
Counties present in the committed Arizona HMDA geography, sorted alphabetically. No Arizona county routes are published from this page. Denial rate is not a county ranking.
2025 HMDA activity for Arizona counties in this extract. Denial rate is not a quality ranking. County names are not links.
County
Applications
Originations
Denials
Denial rate
Purchase %
Refinance %
Apache
1,134
459
333
29.37%
57.05%
25.66%
Cochise
5,081
2,817
833
16.39%
38.61%
44.01%
Coconino
4,891
2,905
783
16.01%
45.10%
34.98%
Gila
2,477
1,371
431
17.40%
42.47%
37.99%
Graham
1,452
846
275
18.94%
41.87%
36.23%
Greenlee
147
68
29
19.73%
34.69%
34.01%
La Paz
420
197
93
22.14%
42.14%
39.05%
Maricopa
185,792
111,789
29,912
16.10%
41.49%
34.24%
Mohave
11,266
6,605
1,811
16.07%
44.75%
36.61%
Navajo
3,878
2,176
638
16.45%
45.98%
36.23%
Pima
40,133
23,249
6,204
15.46%
44.47%
34.14%
Pinal
29,352
18,081
4,692
15.99%
52.78%
29.99%
Who regulates Arizona mortgage businesses?
Arizona DIFI licenses Mortgage Banker, Mortgage Broker, Commercial Mortgage Banker, Commercial Mortgage Broker, Registered Exempt Person, and Loan Originator classes through NMLS. Loan Originator is a person grain — this site does not publish an MLO directory. Depository banks and credit unions are chartered separately. An HMDA reporter is not an Arizona licensee. An NMLS ID is not current Arizona authority by itself.
How to verify a company or MLO
Mortgage banker/broker classes and MLOs verify through NMLS Consumer Access. This search was not scraped. This page is not an NMLS shadow directory.
DIFI enforcement mixes insurance and financial-enterprise domains. The live HTML table was not bulk-harvested this ticket because of a WAF/403. Missing harvest is unknown, not zero. NOTICE is not a final order. Charges are not a final finding. Order is not a complaint. Penalty is not consumer loss. Action count is not quality. Exact NMLS or DIFI license is required for adverse profile attachment. Name-only is UNSAFE. NPN/NAIC rows are insurance identity, not mortgage NMLS.
OPEN_HTML_TABLE / NOT HARVESTED
DIFI enforcement table
WAF 403 on automated harvest. Table exists. Mixes insurance and lending. Lender-relevant count is UNKNOWN, not zero.
Trace this number
Source
https://difi.az.gov/enforcement-actions
Source date
Documented 2026-09-04; bulk harvest blocked
Denominator
Official HTML table — total UNKNOWN
Calculation
Source-native License Type filter for mortgage/lending. Name-only is UNSAFE_FOR_ADVERSE_PROFILE_ATTACH.
Reporting grain
enforcement_order
Coverage
OPEN_HTML_TABLE_DOCUMENTED_NOT_HARVESTED
Caveat
DIFI enforcement mixes insurance and financial-enterprise domains. The live HTML table was not bulk-harvested this ticket because of a WAF/403. Missing harvest is unknown, not zero. NOTICE is not a final order. Charges are not a final finding. Order is not a complaint. Penalty is not consumer loss. Action count is not quality. Exact NMLS or DIFI license is required for adverse profile attachment. Name-only is UNSAFE. NPN/NAIC rows are insurance identity, not mortgage NMLS.
Lender-relevant rows must use source-native License Type matching mortgage banker/broker, commercial mortgage, registered exempt, loan originator, or adjacent financial-enterprise classes. Do not infer from company name. Insurance Producer / Insurance Company / Bail Bond / Surplus Lines / Title Agent rows are INSURANCE, not Lender publication.
ATH-AZ-001 browser retrieval of the official table showed recent rows dominated by insurance License Type (Insurance Producer, Insurance Company, Bail Bond Agent, Surplus Lines Broker, Title Agent, Service Company) with NPN, NAIC, or SBS numbers. Automated harvest this ticket received HTTP 403/WAF. Total table size and lender-relevant row counts remain UNKNOWN, not zero.
Current Arizona mortgage-company roster
Missing live roster is unknown, not zero. Search-only is not zero. Do not display a fake current Arizona mortgage-company count. NMLS Consumer Access and Thentia were not scraped.
SOURCE_NOT_ACQUIRED / OPEN_SEARCH_ONLY
ARIZONA_LIVE_COMPANY_ROSTER
Live licensed-company denominator is UNKNOWN. Missing is not zero. Search-only is not zero.
CFPB Arizona mortgage complaints
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. No company complaint rate is published without an exposure denominator.
hits.total from the public CFPB complaint search API
Reporting grain
statewide product overlay
Coverage
ACQUIRED_CURRENT_SNAPSHOT
Caveat
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. No company complaint rate is published without an exposure denominator.
Major issue categories
Loan modification,collection,foreclosure2,534
Trouble during payment process2,518
Loan servicing, payments, escrow account1,853
Struggling to pay mortgage1,120
Applying for a mortgage or refinancing an existing mortgage708
Closing on a mortgage484
Application, originator, mortgage broker468
Settlement process and costs215
Arizona statewide homebuyer assistance
HOME Plus and Arizona Is Home require a participating lender. They do not replace mortgage underwriting. Program eligibility is not approval. Phoenix / Maricopa-only programs such as Home in Five are out of scope on this state page.
HOME Plus
Arizona Industrial Development Authority (published via Arizona Department of Housing) · Statewide down-payment and closing-cost assistance paired with a 30-year fixed-rate mortgage. Official ADOH page: the only state-run statewide home-buyer DPA program in Arizona, available in every county, city, and ZIP code.
Headline amount / formula: Official Arizona IDA / Home Plus materials describe up to 4% down-payment and closing-cost assistance. Confirm current options with a participating lender.
Eligibility: Official materials: not limited to first-time buyers in all setups; income cap and credit-score rules apply as published. One borrower completes homebuyer education. Eligibility is not approval.
Income / purchase limits: Official Home Plus materials retrieved this snapshot list a statewide borrower income cap of $155,386 as of April 6, 2026. Confirm current figures on official pages.
Approved-lender requirement: Yes
Status: Documented on official Arizona IDA Home Plus pages retrieved this snapshot. ADOH housing.az.gov returned 403 to the automated client; Arizona IDA pages returned HTTP 200.
Arizona Industrial Development Authority · Statewide first-time homebuyer program funded with tax-exempt bonds, with down-payment assistance as published by Arizona IDA.
Headline amount / formula: Confirm current assistance percentage and funding availability on official Arizona IDA / Home Plus operator pages. 2026 program materials describe an annual funding cap.
Eligibility: Official materials: first-time homebuyers. County AMI limits apply. Eligibility is not approval.
Income / purchase limits: County AMI tables are published by Arizona IDA and change. Confirm current county figures. Not copied here as a guaranteed underwriting limit.
Approved-lender requirement: Yes
Status: Documented as a current statewide Arizona IDA program on official pages retrieved this snapshot.
Program terms change. Eligibility is not guaranteed approval. Headline amounts are official-page formulas, not a promise of funds. City or county local DPA is not inventoried on this state page.
Trace this number
Source
Official Arizona IDA HOME Plus and Arizona Is Home pages
Source date
2026-09-04T20:01:33Z
Denominator
2 statewide program families
Calculation
Official-page retrieval. Local Phoenix / Maricopa DPA is out of scope.
Reporting grain
program family
Coverage
ACQUIRED_CURRENT_SNAPSHOT
Caveat
Program terms change. Eligibility is not guaranteed approval. Headline amounts are official-page formulas, not a promise of funds. City or county local DPA is not inventoried on this state page.
Expansion ledger
Entity growth is measured separately from intelligence growth. HMDA rows already in the repository are not new evidence merely because this page displays them.
0
Net-new canonical organizations
0
Net-new state identities
0
Existing organizations enriched
10,367
New evidence rows
CFPB overlay plus program families. Not HMDA.
Classification: INTELLIGENCE_GROWTH_HEAVY.
Trace this number
Source
AZ-LEND-001 before/after ledger against origin/main c39eae2
Source date
2026-09-04T20:01:33Z
Denominator
Canonical organizations and Arizona DIFI/NMLS identities already in this repository
Calculation
NET_NEW_CANONICAL_ORGANIZATIONS=0; NET_NEW_STATE_IDENTITIES=0; EXISTING_ORGANIZATIONS_ENRICHED=0; NEW_EVIDENCE_ROWS=10,365 CFPB rows + 2 program families. HMDA already in the repository is not new evidence.
Reporting grain
ledger, not a market ranking
Coverage
INTELLIGENCE_GROWTH_HEAVY
Caveat
Market rows are not entity growth. Missing live roster is unknown, not zero.
Regulator / credential matrix
An HMDA reporter is not an Arizona licensee. An NMLS ID is not proof of current Arizona authority by itself. Program participation is not an endorsement. An MLO person is not a lender company.
What each Arizona mortgage credential proves and does not prove.
Credential
What it is
Regulator
Proves
Does not prove
HMDA reporter
Institution that filed HMDA loan/application records for Arizona property location
CFPB / FFIEC HMDA
Reported application/origination activity in this vintage
Arizona DIFI license, current NMLS authority, or HOME Plus participation
NMLS ID
Nationwide Multistate Licensing System identifier when source-native
NMLS (system of record display; Arizona DIFI is the state regulator)
A stable identifier when printed by the source
Current Arizona authority by itself, or whether the ID is an institution, branch, or person
Mortgage Banker
Company licensed by DIFI to make or negotiate mortgage loans as a mortgage banker
Arizona DIFI
DIFI mortgage-banker class when a live NMLS record is verified
HMDA reporter status or MLO person credential
Mortgage Broker
Company licensed by DIFI to broker mortgage loans
Arizona DIFI
DIFI mortgage-broker class when a live NMLS record is verified
Mortgage-banker authority or a live company census
Commercial Mortgage Banker / Broker
DIFI commercial mortgage classes, distinct from residential mortgage banker/broker
Arizona DIFI
Commercial mortgage class when a live record is verified
Residential mortgage authority
Registered Exempt Person
DIFI certificate of exemption class for specified mortgage activity
Arizona DIFI
Exemption certificate class when a live record is verified
A mortgage-banker or mortgage-broker license
Loan Originator
Individual originator licensed through NMLS
Arizona DIFI via NMLS display
Individual originator credential path when source-native
A company license. This site does not publish an MLO person directory
Adjacent DIFI financial-enterprise classes such as collection agency or sales finance
Arizona DIFI
That DIFI class when a live record is verified
Mortgage-banker authority. Not added into a mortgage-company total
Depository Bank / Credit Union
Bank, savings bank, or credit union under a prudential charter
FDIC / NCUA / OCC / Federal Reserve as applicable
Charter identity when source-native
DIFI mortgage-banker or mortgage-broker license
Program participating lender
Appears on a HOME Plus / Arizona Is Home participating-lender path
Arizona IDA / ADOH
Program-participation listing as of page retrieval
DIFI license, endorsement, or TrustHub recommendation
Evidence depth
Arizona evidence families with source, clock, grain, and limitations.
Family
Agency
As-of
Grain
Count
Limitations
HMDA
CFPB / FFIEC HMDA
HMDA 2025
state_and_county
308,338 applications / 15 counties
HMDA is a mortgage-application filing extract for properties located in Arizona. It is not an Arizona DIFI license roster, not a quality ranking, and the denial rate does not prove discrimination. An HMDA reporter is not an Arizona-licensed company. An Arizona office or HQ on an HMDA reporter is geography, not licensing.
DIFI verification
Arizona DIFI / NMLS
Unknown / search-only
not acquired as a bulk roster
UNKNOWN / SOURCE_NOT_ACQUIRED
Missing live roster is unknown, not zero. Search-only is not zero. Do not display a fake current Arizona mortgage-company count. NMLS Consumer Access and Thentia were not scraped.
DIFI enforcement
Arizona Department of Insurance and Financial Institutions
DIFI enforcement mixes insurance and financial-enterprise domains. The live HTML table was not bulk-harvested this ticket because of a WAF/403. Missing harvest is unknown, not zero. NOTICE is not a final order. Charges are not a final finding. Order is not a complaint. Penalty is not consumer loss. Action count is not quality. Exact NMLS or DIFI license is required for adverse profile attachment. Name-only is UNSAFE. NPN/NAIC rows are insurance identity, not mortgage NMLS.
CFPB complaints
Consumer Financial Protection Bureau
2026-09-04T20:02:50Z
mortgage product, state = AZ
10,365
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. No company complaint rate is published without an exposure denominator.
Homebuyer programs
Arizona Industrial Development Authority / Arizona Department of Housing
2026-09-04T20:01:33Z
program
2
Program terms change. Eligibility is not guaranteed approval. Headline amounts are official-page formulas, not a promise of funds. City or county local DPA is not inventoried on this state page.
Depository overlay
FDIC (existing national overlay)
Existing committed FDIC Arizona file
FDIC CERT
12
An Arizona-headquartered FDIC-insured bank is a depository overlay, not a DIFI mortgage-banker license. HMDA reporters include depositories and nonbanks. Do not call every HMDA reporter a DIFI-licensed lender.
Foreclosure / servicing source
n/a
Unknown
not acquired
Unknown / not acquired
No county recorder, deed, or trustee-sale crawl was performed. Missing statewide foreclosure structure is unknown, not zero. A consumer help mention is not a structured statewide dataset.
Current company roster
Arizona DIFI / NMLS
Unknown / search-only
not acquired
UNKNOWN
Missing live roster is unknown, not zero. Search-only is not zero. Do not display a fake current Arizona mortgage-company count. NMLS Consumer Access and Thentia were not scraped.
Coverage gaps
No current complete Arizona mortgage-company bulk roster was acquired. Live licensed-company denominator is UNKNOWN, not zero.
Complete MLO person universe is not published and was not scraped from NMLS.
Complete current servicer roster was not acquired.
Name-only DIFI enforcement rows cannot be attached to lender profiles.
NMLS Consumer Access remains search-only. Not scraped.
Thentia remains a licensee login. Not used.
Live license status for each HMDA reporter is unknown.
No easy statewide servicing performance report was acquired.
STATEWIDE_STRUCTURED_FORECLOSURE_SOURCE_NOT_ACQUIRED. No county recorder crawl.
Company-level CFPB complaint exposure denominators are not computed.
DIFI enforcement mixes insurance and lending; insurance rows are excluded from Lender publication.