Refinancing lenders in Pima County
3,066 refinancing mortgages were made in Pima County, Arizona, in 2025, by 286 lenders. The median rate their borrowers got was 6.115% on a median loan of $305,000. Of 4,133 decisions, 753 were denials — 18.2%, most often for credit application incomplete.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 448 | 5.625% | $345,000 | 11.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 234 | 6.125% | $315,000 | 1.2% |
| FREEDOM MORTGAGE CORPORATION | 232 | 5.750% | $325,000 | 3.2% |
| Rocket Mortgage, LLC | 207 | 5.875% | $285,000 | 19.4% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 154 | 6.250% | $285,000 | 19.7% |
| MORIA DEVELOPMENT, INC. | 81 | 6.490% | $265,000 | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | 80 | 5.750% | $315,000 | 10.1% |
| V.I.P. MORTGAGE, INC. | 79 | 6.500% | $355,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 78 | 5.995% | $335,000 | 4.8% |
| NEWREZ LLC | 62 | 5.933% | $325,000 | 25.0% |
| Bank of America, National Association | 61 | 6.240% | $105,000 | 30.3% |
| Kiavi Funding, Inc. | 61 | 8.000% | $225,000 | 4.6% |
| Prosperity Home Mortgage, LLC | 59 | 5.990% | $305,000 | 7.8% |
| ALTITUDE FINANCIAL CORPORATION | 47 | 6.375% | $315,000 | 2.1% |
| GUILD MORTGAGE COMPANY | 44 | 5.990% | $280,000 | 2.0% |
| JPMorgan Chase Bank, National Association | 42 | 6.125% | $265,000 | 6.5% |
| Zions Bancorporation, N.A. | 40 | 7.750% | $225,000 | 30.2% |
| NATIONSTAR MORTGAGE LLC | 39 | 5.990% | $315,000 | 8.7% |
| Loandepot.Com, LLC | 38 | 5.875% | $325,000 | 26.8% |
| LAKEVIEW LOAN SERVICING, LLC | 37 | 5.990% | $355,000 | 57.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 35 | 5.750% | $335,000 | 7.4% |
| Mortgage Research Center, LLC | 34 | 5.750% | $340,000 | 63.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 30 | 6.750% | $295,000 | 44.4% |
| FINANCE OF AMERICA REVERSE LLC | 28 | 6.313% | $150,000 | 3.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 27 | 6.250% | $225,000 | 15.6% |
| PLANET HOME LENDING, LLC | 25 | 5.750% | $305,000 | 13.8% |
| PNC Bank, National Association | 20 | 7.840% | $155,000 | 42.1% |
| CLEARPATH LENDING | 19 | 5.490% | $285,000 | 5.0% |
| LoanUnited.com, LLC | 17 | 5.625% | $365,000 | 10.5% |
| DESERT FINANCIAL CREDIT UNION | 16 | 6.490% | $145,000 | 35.7% |
| AMERICA FIRST Federal Credit Union | 16 | 7.240% | $140,000 | 21.7% |
| LONGBRIDGE FINANCIAL, LLC | 16 | 6.188% | $170,000 | 15.8% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 16 | 6.000% | $150,000 | 5.9% |
| THE LOAN STORE, INC. | 15 | 6.125% | $245,000 | 4.8% |
| ONY GLO, INC. | 15 | 5.875% | $295,000 | 31.8% |
| PHH Mortgage Corporation | 14 | 5.688% | $315,000 | 21.1% |
| OneAZ Credit Union | 14 | 7.250% | $95,000 | 30.4% |
| OCMBC, INC. | 14 | 7.375% | $255,000 | 10.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 5.875% | $365,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 14 | 5.875% | $350,000 | 0.0% |
| VANTAGE WEST | 13 | 5.625% | $305,000 | 38.1% |
| Navy Federal Credit Union | 13 | 6.000% | $295,000 | 23.5% |
| Nations Lending Corporation | 13 | 5.875% | $275,000 | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 12 | 6.500% | $105,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.125% | $315,000 | 13.3% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 6.125% | $375,000 | 0.0% |
| Wells Fargo Bank, National Association | 11 | 6.125% | $155,000 | 15.4% |
| Discover Bank | 10 | 8.465% | $100,000 | 68.6% |
| CMG MORTGAGE, INC. | 10 | 7.250% | $195,000 | 15.4% |
| Third Federal Savings and Loan Association of Cleveland | 10 | 6.990% | $175,000 | 47.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 5.620% | $340,000 | 28.6% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 8.3% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 54.6% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PIMA Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 42.9% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 27.3% |
| First-Citizens Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 9.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LADERA LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| IDAHO CENTRAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 10.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 37.5% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Allied First Bank,sb | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 58.3% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN SOUTHWEST | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Arizona Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Pacific Premier Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Fidelity Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 92.9% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Mountain America Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 83.3% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 83.3% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PYRAMID | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Liberty Mortgage, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Five Nine | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AERO Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 86 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.