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State markets/Arizona/Navajo County

COUNTY MORTGAGE MARKET · FIPS 04017

Navajo County, Arizona

Who lends in Navajo County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$667.6M

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

2,176

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

16.5%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

277

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 277 lenders that originated in Navajo County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

348

unconcentrated

Top-5 lender share

33.8%

of originations

Purchase

60.2%

1,114 loans

Refinance

39.8%

736 loans

Origination trend

Annual mortgage origination volume and loan count in Navajo County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Navajo County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Navajo County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR NAVAJO COUNTY →

TOP TEN LENDERS IN NAVAJO COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

264$74.7M$74.7M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
218$69.7M$69.7M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
160$41.6M$41.6M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
68$21.3M$21.3M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
55$18.0M$18.0M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
7$17.6M$17.6M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
45$14.8M$14.8M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
41$13.0M$13.0M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
38$12.3M$12.3M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
28$10.1M$10.1M originated in Navajo County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Navajo County

All 34 ZIP Code Tabulation Areas that touch Navajo County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
34 OF 34 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
88 of the 9 Navajo County tracts this ZIP area touches sit mostly inside it.21,55822.0%6,149——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Navajo County tracts this ZIP area touches sit mostly inside it.16,06973.5%2,876——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Navajo County tracts this ZIP area touches sit mostly inside it.8,56819.6%2,193——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Navajo County tracts this ZIP area touches sit mostly inside it.7,71399.5%941——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Navajo County tracts this ZIP area touches sit mostly inside it.7,49098.2%1,246——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Navajo County tracts this ZIP area touches sit mostly inside it.6,77299.2%1,410——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Navajo County tracts this ZIP area touches sit mostly inside it.5,31161.0%990——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Navajo County tracts this ZIP area touches sit mostly inside it.5,02129.2%1,387——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Navajo County tracts this ZIP area touches sit mostly inside it.4,50818.9%1,471——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Navajo County tract this ZIP area touches sit mostly inside it.4,28297.5%715——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Navajo County tracts this ZIP area touches sit mostly inside it.3,79098.2%781——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Navajo County tracts this ZIP area touches sit mostly inside it.3,71914.3%1,219——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Navajo County tracts this ZIP area touches sit mostly inside it.3,28023.0%1,407——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Navajo County tracts this ZIP area touches sit mostly inside it.2,64399.1%770——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Navajo County tracts this ZIP area touches sit mostly inside it.2,38299.4%653——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Navajo County tract this ZIP area touches sit mostly inside it.2,23199.5%578——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Navajo County tracts this ZIP area touches sit mostly inside it.1,55912.0%556——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Navajo County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

37 of Navajo County’s 37 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Navajo County

All 37 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

37 OF 37 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate68.5%1,090100.0%OPEN →
Moderate52.5%2,64298.8%OPEN →
Moderate79.9%3,04099.2%OPEN →
Middle81.2%2,64399.1%OPEN →
Middle86.7%3,79098.2%OPEN →
Low46.1%2,38299.4%OPEN →
Moderate75.2%4,41899.6%OPEN →
Upper127.6%4,28297.5%OPEN →
Moderate70.4%4,59799.6%OPEN →
Moderate58.9%3,11699.3%OPEN →
Moderate57.8%2,23199.5%OPEN →
Moderate50.5%2,68299.3%OPEN →
Moderate75.3%4,80897.5%OPEN →
Upper167.7%1,81364.5%OPEN →
Moderate77.6%3,49859.2%OPEN →
Upper138.9%3,58060.0%OPEN →
Middle116.6%3,61855.1%OPEN →
Upper126.0%4,45373.4%OPEN →
Middle98.3%3,45428.6%OPEN →
Middle110.9%3,41428.5%OPEN →
Moderate73.9%3,66422.4%OPEN →
Middle89.5%1,56730.3%OPEN →
Upper134.8%1,28619.7%OPEN →
Upper121.1%5,09022.1%OPEN →
Middle112.5%3,47815.9%OPEN →
Middle98.8%1,85513.8%OPEN →
Upper144.9%4,50818.9%OPEN →
Middle96.4%1,86414.9%OPEN →
Upper131.5%1,55912.0%OPEN →
Upper157.3%2,72414.1%OPEN →
Middle105.7%1,87219.2%OPEN →
Upper171.9%1,04737.0%OPEN →
Upper221.5%94712.3%OPEN →
Upper122.6%2,44619.1%OPEN →
Middle103.8%2,76330.3%OPEN →
Middle108.8%1,52521.3%OPEN →
Middle91.7%3,15018.6%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

108,415

Median household income

$54,606

Median home value

$201,500

Median gross rent

$858

per month

Owner-occupied

73.2%

of occupied units

Housing units

57,230

30.0% vacant

Poverty rate

24.7%

Unemployment

8.8%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Moderate

score 88.1

Social vulnerability

Very High

Community resilience

Very Low

ELEVATED PERILS

Wildfire Relatively High · Winter weather Very High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

67

Declarations recorded

21

Incident types on record: Biological, Drought, Fire, Flood, Hurricane, Severe Storm.

Everything we hold on Navajo County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Navajo County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Navajo County →Every reported application and origination in FIPS 04017, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Navajo County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

212

—

Purchase share

46.2%

98 loans

IRRRL refinances

75

Cash-out refinances

39

2026212—987539
2025203—1134050
2024159—932640
2023122—93128
2022——10842103
2021537—16030374
2020515—18525872
2019237—1384554
2018245—1482275
2017257—1365962
2016227—1117244
2015180—995724

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Navajo County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Navajo County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

417

−7.5% vs 2024

Multifamily · 2025

24

−33.3% vs 2024

Total authorized · 2025

441

−9.4% vs 2024

Permit valuation · 2025

$133.3M

authorized construction value

Units authorized by year

Navajo County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025441 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Navajo County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Foreign - Other flows, FR———
inflow2223Foreign - Other flows, FR———
inflow2223Maricopa County, AZ1,0171,980$69.4M
outflow2223Maricopa County, AZ8701,564$47.2M
inflow2223Other flows - West, DS440814$28.5M
outflow2223Other flows - West, DS426772$27.5M
outflow2223Other flows - South, DS267516$17.1M
inflow2223Other flows - South, DS216433$13.9M
inflow2223Coconino County, AZ199404$9.1M
outflow2223Coconino County, AZ193369$7.3M
inflow2223Apache County, AZ187372$7.1M
outflow2223Apache County, AZ162339$5.6M
inflow2223Other flows - Midwest, DS148282$7.0M
inflow2223Pinal County, AZ144309$9.8M
outflow2223Pima County, AZ143235$12.1M
inflow2223Pima County, AZ138261$10.8M
outflow2223Pinal County, AZ130245$7.3M
outflow2223Other flows - Midwest, DS121232$4.9M
inflow2223Gila County, AZ53103$2.2M
outflow2223Yavapai County, AZ50100$3.1M
inflow2223Yavapai County, AZ4988$2.3M
outflow2223San Juan County, NM4798$2.3M
inflow2223San Diego County, CA4568$2.7M
inflow2223Other flows - Northeast, DS4479$2.2M
inflow2223McKinley County, NM3984$1.5M
inflow2223Clark County, NV3975$2.6M
inflow2223Mohave County, AZ3866$1.8M
outflow2223Gila County, AZ3561$1.5M
outflow2223Other flows - Northeast, DS3352$2.3M
inflow2223San Juan County, UT3070$878K
outflow2223Bernalillo County, NM2853$955K
inflow2223Bernalillo County, NM2648$1.5M
inflow2223San Juan County, NM2448$773K
outflow2223Clark County, NV2350$1.3M
outflow2223Mohave County, AZ2149$950K
inflow2223Los Angeles County, CA2141$928K
outflow2223Salt Lake County, UT2145$1.1M
outflow2223Utah County, UT2028$787K
outflow2223Graham County, AZ2042$968K
outflow2223San Diego County, CA2033$1.4M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
inflow2122Maricopa County, AZ1,1882,367$82.3M
outflow2122Maricopa County, AZ8131,446$44.4M
inflow2122Other flows - West, DS485935$32.2M
outflow2122Other flows - West, DS382712$23.7M
inflow2122Apache County, AZ375972$13.5M
outflow2122Other flows - South, DS312594$19.6M
inflow2122Pinal County, AZ204434$14.8M
inflow2122Coconino County, AZ201377$8.7M
inflow2122Pima County, AZ199381$15.5M
inflow2122Other flows - South, DS190362$12.7M
outflow2122Coconino County, AZ184343$7.2M
outflow2122Apache County, AZ161331$6.9M
outflow2122Other flows - Midwest, DS146284$7.9M
outflow2122Pinal County, AZ125246$7.5M
inflow2122Other flows - Midwest, DS117225$6.1M
outflow2122Pima County, AZ116208$5.1M
outflow2122Yavapai County, AZ69127$3.7M
inflow2122Yavapai County, AZ62116$4.1M
inflow2122San Diego County, CA4888$3.0M
inflow2122Gila County, AZ4887$2.3M
outflow2122Gila County, AZ3865$1.7M
inflow2122Clark County, NV3781$2.0M
inflow2122Riverside County, CA3763$2.2M
outflow2122Other flows - Northeast, DS3758$1.5M
inflow2122Other flows - Northeast, DS3563$1.6M
inflow2122McKinley County, NM3571$1.2M
outflow2122San Juan County, NM3483$1.4M
inflow2122Los Angeles County, CA3147$2.1M
outflow2122McKinley County, NM3169$1.4M
outflow2122Clark County, NV2952$2.1M
inflow2122San Bernardino County, CA2852$1.3M
outflow2122Mohave County, AZ2749$842K
outflow2122Bernalillo County, NM2747$1.4M
inflow2122Mohave County, AZ2646$1.8M
outflow2122Utah County, UT2660$899K
inflow2122Bernalillo County, NM2243$991K
outflow2122Graham County, AZ2244$1.5M
inflow2122Graham County, AZ2046$736K
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
inflow2021Maricopa County, AZ1,3462,531$85.2M
outflow2021Maricopa County, AZ7911,471$31.2M
inflow2021Other flows - West, DS5091,040$29.1M
outflow2021Other flows - West, DS433830$21.1M
outflow2021Other flows - South, DS261510$13.1M
inflow2021Apache County, AZ249534$8.9M
outflow2021Apache County, AZ223466$7.7M
inflow2021Other flows - South, DS221436$12.0M
inflow2021Pinal County, AZ219437$13.6M
outflow2021Coconino County, AZ208420$8.4M
inflow2021Coconino County, AZ202385$7.2M
inflow2021Pima County, AZ186342$13.2M
outflow2021Pinal County, AZ144278$6.8M
outflow2021Pima County, AZ135253$7.1M
inflow2021Other flows - Midwest, DS124231$7.0M
outflow2021Other flows - Midwest, DS103202$5.8M
inflow2021Yavapai County, AZ72139$3.7M
inflow2021Gila County, AZ61139$3.5M
outflow2021Yavapai County, AZ60100$3.1M
outflow2021Gila County, AZ4886$2.3M
inflow2021McKinley County, NM45112$1.9M
inflow2021Other flows - Northeast, DS4375$2.4M
inflow2021San Diego County, CA4280$4.0M
inflow2021Riverside County, CA4293$3.1M
inflow2021Clark County, NV3870$2.4M
inflow2021Mohave County, AZ3771$1.7M
inflow2021Los Angeles County, CA3758$2.9M
inflow2021Graham County, AZ3475$1.4M
outflow2021Other flows - Northeast, DS3257$1.9M
outflow2021San Juan County, NM3060$943K
outflow2021Clark County, NV2951$1.9M
inflow2021San Bernardino County, CA2946$2.4M
outflow2021McKinley County, NM2748$927K
outflow2021San Juan County, UT2763$807K
outflow2021Cochise County, AZ2649$1.1M
inflow2021Yuma County, AZ2539$1.3M
inflow2021San Juan County, NM2459$1.1M
outflow2021Mohave County, AZ2351$1.0M
outflow2021Graham County, AZ2263$1.0M
inflow2021Bernalillo County, NM2134$1.1M
inflow2021San Juan County, UT2039$481K
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
inflow1920Maricopa County, AZ1,1552,357$71.9M
outflow1920Maricopa County, AZ7821,569$37.2M
inflow1920Other flows - West, DS4831,080$26.1M
outflow1920Other flows - West, DS406896$19.2M
inflow1920Apache County, AZ252684$9.5M
inflow1920Coconino County, AZ236491$8.6M
inflow1920Other flows - South, DS227508$13.1M
outflow1920Other flows - South, DS215489$10.4M
outflow1920Apache County, AZ213540$7.5M
outflow1920Coconino County, AZ202409$8.1M
inflow1920Pinal County, AZ178426$10.8M
inflow1920Pima County, AZ175326$10.7M
outflow1920Pima County, AZ152295$7.1M
inflow1920Other flows - Midwest, DS130271$9.0M
outflow1920Other flows - Midwest, DS116254$6.0M
outflow1920Pinal County, AZ105234$5.8M
inflow1920Yavapai County, AZ75137$3.5M
outflow1920Yavapai County, AZ59112$3.0M
inflow1920Gila County, AZ53113$2.4M
inflow1920San Diego County, CA5297$4.1M
inflow1920Other flows - Northeast, DS5095$3.7M
outflow1920San Juan County, NM43149$1.8M
inflow1920McKinley County, NM43102$1.7M
outflow1920Other flows - Northeast, DS4271$2.1M
outflow1920Gila County, AZ4284$2.4M
inflow1920Riverside County, CA4196$2.7M
outflow1920Mohave County, AZ3591$1.9M
outflow1920McKinley County, NM3473$1.1M
inflow1920San Bernardino County, CA3465$1.8M
inflow1920Bernalillo County, NM3352$1.0M
inflow1920Los Angeles County, CA3256$5.1M
inflow1920Mohave County, AZ2964$2.2M
inflow1920San Juan County, NM2860$955K
inflow1920Clark County, NV2743$1.5M
outflow1920San Juan County, UT2552$648K
outflow1920Clark County, NV2555$1.2M
inflow1920Yuma County, AZ2345$1.1M
inflow1920Orange County, CA2237$1.8M
outflow1920Graham County, AZ2158$668K
outflow1920Cochise County, AZ2041$928K
inflow1920Cochise County, AZ2031$1.1M
outflow1819Foreign - Other flows, FR———
inflow1819Foreign - Other flows, FR———
inflow1819Maricopa County, AZ8671,735$50.7M
outflow1819Maricopa County, AZ7781,555$39.2M
inflow1819Other flows - West, DS393767$19.1M
outflow1819Other flows - West, DS388787$20.4M
inflow1819Apache County, AZ274765$9.1M
inflow1819Coconino County, AZ210419$8.5M
outflow1819Other flows - South, DS198441$8.4M
outflow1819Apache County, AZ193470$6.6M
outflow1819Coconino County, AZ162350$7.5M
inflow1819Other flows - South, DS158318$9.1M
inflow1819Pima County, AZ155289$9.0M
outflow1819Pima County, AZ127235$8.4M
outflow1819Other flows - Midwest, DS119238$5.4M
inflow1819Pinal County, AZ113250$7.2M
inflow1819Other flows - Midwest, DS102205$4.8M
outflow1819Pinal County, AZ95223$6.4M
outflow1819Yavapai County, AZ65146$2.7M
inflow1819Yavapai County, AZ62133$2.8M
inflow1819McKinley County, NM52120$2.4M
inflow1819San Juan County, NM46117$1.6M
inflow1819San Diego County, CA4577$2.5M
inflow1819Other flows - Northeast, DS4472$2.0M
outflow1819Gila County, AZ4194$1.7M
inflow1819Mohave County, AZ3773$1.6M
inflow1819Gila County, AZ3682$1.3M
inflow1819Riverside County, CA3673$2.2M
inflow1819Los Angeles County, CA3354$2.0M
inflow1819San Bernardino County, CA3365$2.2M
outflow1819Graham County, AZ3277$1.4M
outflow1819San Juan County, NM2960$1.6M
inflow1819Clark County, NV2950$1.6M
outflow1819Other flows - Northeast, DS2860$1.8M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Navajo County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals596.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals288.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals884.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals410,000.0
2023BothNo CharacteristicAll Appraisals420,000.0
2023PurchaseNo CharacteristicAll Appraisals425,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals390,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals390,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals600.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals385,000.0
2022BothNo CharacteristicAll Appraisals1,448.0
2022PurchaseNo CharacteristicAll Appraisals848.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals338,500.0
2021BothNo CharacteristicAll Appraisals2,391.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals1,189.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals1,202.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals349,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals356,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals2,373.0
2020PurchaseNo CharacteristicAll Appraisals1,157.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals291,000.0
2020RefinanceNo CharacteristicAll Appraisals295,000.0
2020RefinanceNo CharacteristicAll Appraisals1,216.0
2020PurchaseNo CharacteristicAll Appraisals286,900.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals262,000.0
2019PurchaseNo CharacteristicAll Appraisals894.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals278,900.0
2019BothNo CharacteristicAll Appraisals1,561.0
2019RefinanceNo CharacteristicAll Appraisals667.0
2019PurchaseNo CharacteristicAll Appraisals250,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals240,000.0
2018BothNo CharacteristicAll Appraisals1,289.0
2018PurchaseNo CharacteristicAll Appraisals878.0
2018RefinanceNo CharacteristicAll Appraisals411.0
2018BothNo CharacteristicAll Appraisals230,000.0
2018PurchaseNo CharacteristicAll Appraisals222,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals233,300.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals1,313.0
2017PurchaseNo CharacteristicAll Appraisals817.0
2017PurchaseNo CharacteristicAll Appraisals226,000.0
2017RefinanceNo CharacteristicAll Appraisals496.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals230,000.0
2016PurchaseNo CharacteristicAll Appraisals719.0
2016RefinanceNo CharacteristicAll Appraisals224,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals203,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals215,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals1,343.0
2016RefinanceNo CharacteristicAll Appraisals624.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals198,800.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals224,300.0
2015BothNo CharacteristicAll Appraisals1,108.0
2015RefinanceNo CharacteristicAll Appraisals550.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals558.0
2015BothNo CharacteristicAll Appraisals209,500.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals192,500.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Navajo County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-0537,00134,6132,3886.5%
2026-0436,42334,2362,1876.0%
2026-0337,15234,7502,4026.5%
2026-0236,94634,2702,6767.2%
2026-0138,02635,1992,8277.4%
2025-1237,44735,1162,3316.2%
2025-1137,64435,2322,4126.4%
2025-0938,75936,2222,5376.5%
2025-0838,81936,1922,6276.8%
2025-0737,74335,0292,7147.2%
2025-0638,07935,4882,5916.8%
2025-0538,20435,9542,2505.9%
2025-0437,96435,8422,1225.6%
2025-0337,99935,7512,2485.9%
2025-0237,59935,2142,3856.3%
2025-0138,13335,7012,4326.4%
2024-1237,56235,4152,1475.7%
2024-1137,83035,6052,2255.9%
2024-1038,26636,0482,2185.8%
2024-0938,85236,6482,2045.7%
2024-0838,93436,5662,3686.1%
2024-0738,11935,5902,5296.6%
2024-0638,24435,9492,2956.0%
2024-0538,16036,2721,8884.9%
2024-0437,14335,4511,6924.6%
2024-0337,80935,9401,8694.9%
2024-0237,31635,2972,0195.4%
2024-0137,47635,3502,1265.7%
2023-1236,99335,0201,9735.3%
2023-1137,45235,5181,9345.2%
2023-1037,61435,5132,1015.6%
2023-0937,89235,7432,1495.7%
2023-0837,95635,6102,3466.2%
2023-0737,00634,6182,3886.5%
2023-0636,83834,4882,3506.4%
2023-0537,00234,9442,0585.6%
2023-0436,42034,5411,8795.2%
2023-0337,15335,0582,0955.6%
2023-0236,49034,3462,1445.9%
2023-0137,01634,8902,1265.7%
2022-1236,84834,9621,8865.1%
2022-1136,97535,0281,9475.3%
2022-1037,11135,1231,9885.4%
2022-0937,46135,4781,9835.3%
2022-0837,30835,1102,1985.9%
2022-0735,45933,1922,2676.4%
2022-0636,24433,9412,3036.4%
2022-0536,47134,6081,8635.1%
2022-0435,89534,1391,7564.9%
2022-0336,41334,6441,7694.9%
2022-0236,29234,3511,9415.3%
2022-0136,65534,6032,0525.6%
2021-1236,10034,4701,6304.5%
2021-1136,18534,4561,7294.8%
2021-1036,48434,5661,9185.3%
2021-0936,82334,6112,2126.0%
2021-0836,77434,3012,4736.7%
2021-0736,09933,2942,8057.8%
2021-0636,82633,6483,1788.6%
2021-0536,87934,0752,8047.6%
2021-0436,56433,7352,8297.7%
2021-0336,46533,5112,9548.1%
2021-0236,26133,0403,2218.9%
2021-0136,29533,0453,2509.0%
2020-1236,83033,6253,2058.7%
2020-1136,95533,8643,0918.4%
2020-1037,27534,1353,1408.4%
2020-0938,02334,2533,7709.9%
2020-0837,69933,5924,10710.9%
2020-0736,51331,7134,80013.1%
2020-0636,45731,5234,93413.5%
2020-0536,07131,3764,69513.0%
2020-0435,64930,1555,49415.4%
2020-0336,40932,8163,5939.9%
2020-0236,09533,0623,0338.4%
2020-0136,31333,0793,2348.9%
2019-1236,19533,3952,8007.7%
2019-1136,32333,6952,6287.2%
2019-1036,87834,2222,6567.2%
2019-0937,56934,9082,6617.1%
2019-0837,40834,5082,9007.8%
2019-0735,78632,5603,2269.0%
2019-0637,69534,5313,1648.4%
2019-0536,95534,2332,7227.4%
2019-0436,32033,5802,7407.5%
2019-0336,61733,5413,0768.4%
2019-0236,39333,2173,1768.7%
2019-0136,87133,2593,6129.8%
2018-1236,47233,2793,1938.8%
2018-1136,40433,6292,7757.6%
2018-1036,82434,0492,7757.5%
2018-0936,98634,1682,8187.6%
2018-0837,18334,1693,0148.1%
2018-0735,84232,5303,3129.2%
2018-0637,51734,2393,2788.7%
2018-0536,77234,1712,6017.1%
2018-0435,96333,1782,7857.7%
2018-0336,02733,0482,9798.3%
2018-0235,71732,5753,1428.8%
2018-0135,83632,4713,3659.4%

BEA Personal Income

2024$5.10B109,516$47K
2023$4.92B109,281$45K
2022$4.67B108,771$43K
2021$4.57B107,736$42K
2020$4.12B106,773$39K
2019$3.56B106,255$33K
2018$3.48B106,224$33K
2017$3.28B105,397$31K
2016$3.12B105,337$30K
2015$2.96B104,982$28K
2014$2.86B105,544$27K
2013$2.80B105,483$27K
2012$2.74B106,171$26K
2011$2.73B106,914$25K
2010$2.65B107,565$25K
2009$2.65B107,571$25K
2008$2.56B107,626$24K
2007$2.41B106,927$23K
2006$2.26B105,624$21K
2005$2.10B104,184$20K
2004$1.95B102,774$19K
2003$1.92B101,529$19K
2002$1.75B100,123$17K
2001$1.63B97,849$17K
2000$1.47B97,689$15K
1999$1.43B96,100$15K
1998$1.35B94,824$14K
1997$1.26B92,910$14K
1996$1.21B90,646$13K
1995$1.12B88,432$13K
1994$1.06B85,422$12K
1993$988.8M83,642$12K
1992$932.0M80,350$12K
1991——$11K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Navajo County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-03-15$824.24$824.24$0Yes
2023-03-23$0——Yes
2022-08-23$3K$3K$0No
2021-07-27$0$0$0Yes
2021-07-23$5K$5K$0Yes
2021-07-22$116K$116K$0No
2020-07-23$1K$1K$0No
2020-07-12$0$0$0No
2017-08-11$0——Yes
2017-07-17$0——No
2017-03-22$0——Yes
2017-02-28$0——Yes
2015-08-07$6K$6K$0No
2013-08-18$242.23$242.23$0Yes
2012-08-23$12K$12K$0Yes
2012-08-16$0——Yes
2008-09-13$0——Yes
2008-01-28$3K$2K$336.68Yes
2008-01-28$8K$8K$497.44Yes
2007-08-16$0——Yes
2007-08-06$24K$13K$11KYes
2007-08-06$6K$4K$2KYes
2007-08-06$1K$1K$0Yes
2007-07-21$35K$34K$2KYes
2006-08-02$0——No
2006-07-31$14K$14K$0Yes
2006-07-31$11K$2K$9KYes
2006-07-31$4K$4K$0Yes
2006-07-31$41K$38K$2KYes
2006-07-30$2K$2K$0Yes
2004-06-29$0——Yes
2003-08-14$0——Yes
2002-09-10$0——Yes
2001-07-29$3K$3K$0No
2001-04-01$0——Yes
2000-08-11$7K$6K$402.55No
1999-08-18$4K$4K$0No
1999-07-24$12K$10K$2KYes
1998-07-31$28K$28K$0Yes
1997-08-15$4K$4K$0No
1997-04-15$0——No
1994-03-01$0——No
1993-01-17$275$275$0No
1993-01-09$0——No
1993-01-09$0——No
1993-01-09$0——No
1993-01-08$20K$17K$3KNo
1993-01-08$27K$27K$0No
1993-01-08$3K$3K$0No
1993-01-08$56K$44K$12KNo
1993-01-08$35K$35K$0No
1993-01-08$16K$16K$0No
1993-01-08$0——No
1993-01-08$16K$16K$0No
1993-01-08$12K$12K$0No
1993-01-08$13K$13K$0Yes
1993-01-08$71K$71K$0No
1993-01-08$6K$6K$0Yes
1993-01-08$20K$10K$9KNo
1993-01-08$10K$9K$706.58Yes
1992-12-29$3K$3K$0No
1992-08-26$1K$1K$0No
1991-08-24$0——Yes
1987-11-05$0——No
1987-10-30$0——No
1986-09-23$0——No
1981-05-28$126$126$0No
1980-04-13$2K$2K$0No
1980-02-16$0——No
1978-12-19$0——No
1978-12-19$3K$1K$2KNo
1978-12-19$2K$2K$0No
1978-12-19$9K$9K$0No
1978-12-19$18K$18K$0No
1978-12-19$7K$6K$981.5No
1978-12-19$4K$4K$0No
1978-12-19$24K$21K$3KNo
1978-12-19$4K$4K$0No
1978-12-19$4K$4K$0No
1978-12-19$943.2$943.2$0No
1978-12-19$28K$28K$0No
1978-12-19$22K$22K$0No
1978-12-19$10K$10K$0No
1978-12-19$6K$3K$2KNo
1978-12-19$0——No
1978-12-19$9K$9K$0No
1978-12-19$360$360$0No
1978-12-19$13K$10K$3KNo
1978-12-19$31K$31K$0No
1978-12-19$4K$4K$0No
1978-12-19$934.63$934.63$0No
1978-12-19$350$350$0No
1978-12-19$22K$15K$8KNo
1978-12-19$4K$4K$0No
1978-12-19$11K$11K$0No
1978-12-19$12K$12K$0No
1978-12-19$4K$4K$0No
1978-12-19$12K$12K$0No
1978-12-19$13K$13K$0No
1978-12-19$4K$4K$0No

ALSO CHECKED

18 more data areas were checked for Navajo County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the AZ state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN NAVAJO COUNTY →Opens the loan explorer already filtered to county FIPS 04017.

See the Arizona state market profile for the statewide picture, the Arizona state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.