Refinancing lenders in Coconino County
516 refinancing mortgages were made in Coconino County, Arizona, in 2025, by 162 lenders. The median rate their borrowers got was 6.250% on a median loan of $425,000. Of 664 decisions, 118 were denials — 17.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 108 | 5.999% | $455,000 | 8.2% |
| Rocket Mortgage, LLC | 40 | 5.990% | $480,000 | 20.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.250% | $455,000 | 0.0% |
| DESERT FINANCIAL CREDIT UNION | 21 | 7.250% | $185,000 | 27.3% |
| Zions Bancorporation, N.A. | 19 | 7.750% | $185,000 | 20.0% |
| NEWREZ LLC | 13 | 5.750% | $435,000 | 13.3% |
| OneAZ Credit Union | 13 | 7.250% | $205,000 | 11.8% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 6.250% | $480,000 | 20.0% |
| Fairway Independent Mortgage Corporation | 11 | 6.125% | $575,000 | 15.4% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.188% | $435,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 44.4% |
| GUILD MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 9.1% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MORIA DEVELOPMENT, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA FIRST Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Arizona Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mountain America Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Deseret First Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HILTON FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Crystal Lake Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AERO Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Banterra Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Malvern National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUWEST Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Synergy One Lending, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Sunflower Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Valley West Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CAKE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| LOANFLIGHT LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ARIZONA CENTRAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Granite Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Firefighters First Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Umpqua Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NMSI, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.