Refinancing lenders in Pinal County
2,231 refinancing mortgages were made in Pinal County, Arizona, in 2025, by 281 lenders. The median rate their borrowers got was 6.124% on a median loan of $315,000. Of 3,184 decisions, 703 were denials — 22.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 482 | 5.651% | $355,000 | 15.7% |
| FREEDOM MORTGAGE CORPORATION | 218 | 6.000% | $345,000 | 4.9% |
| Rocket Mortgage, LLC | 175 | 5.875% | $335,000 | 23.8% |
| DESERT FINANCIAL CREDIT UNION | 164 | 7.500% | $105,000 | 27.8% |
| PENNYMAC LOAN SERVICES, LLC | 68 | 5.990% | $360,000 | 15.9% |
| NEWREZ LLC | 55 | 5.990% | $345,000 | 22.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 37 | 5.750% | $355,000 | 19.5% |
| LAKEVIEW LOAN SERVICING, LLC | 36 | 6.125% | $410,000 | 51.8% |
| Mountain America Federal Credit Union | 34 | 6.995% | $90,000 | 55.0% |
| Fairway Independent Mortgage Corporation | 33 | 6.250% | $315,000 | 2.9% |
| GUILD MORTGAGE COMPANY | 28 | 6.250% | $345,000 | 9.1% |
| NATIONSTAR MORTGAGE LLC | 27 | 6.250% | $305,000 | 15.6% |
| Mortgage Research Center, LLC | 22 | 5.750% | $315,000 | 51.1% |
| PLANET HOME LENDING, LLC | 22 | 5.990% | $310,000 | 17.9% |
| Bank of America, National Association | 21 | 6.240% | $105,000 | 33.3% |
| CMG MORTGAGE, INC. | 20 | 6.500% | $365,000 | 3.7% |
| UNION HOME MORTGAGE CORP. | 20 | 5.990% | $370,000 | 14.8% |
| JPMorgan Chase Bank, National Association | 18 | 5.995% | $305,000 | 28.0% |
| FINANCE OF AMERICA REVERSE LLC | 18 | 5.875% | $170,000 | 5.3% |
| AMERICA FIRST Federal Credit Union | 18 | 7.490% | $105,000 | 4.8% |
| Loandepot.Com, LLC | 17 | 5.875% | $425,000 | 35.7% |
| THE LOAN STORE, INC. | 17 | 6.625% | $335,000 | 0.0% |
| LoanUnited.com, LLC | 15 | 5.875% | $355,000 | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 5.750% | $335,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.375% | $365,000 | 5.9% |
| V.I.P. MORTGAGE, INC. | 15 | 6.250% | $305,000 | 0.0% |
| Broker Solutions, Inc. | 14 | 6.250% | $265,000 | 30.0% |
| PNC Bank, National Association | 13 | 8.100% | $105,000 | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 5.875% | $395,000 | 20.0% |
| Arizona Financial Credit Union | 13 | 7.250% | $65,000 | 16.7% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 13 | 6.990% | $345,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 5.875% | $145,000 | 7.1% |
| PHH Mortgage Corporation | 12 | 5.990% | $435,000 | 7.1% |
| MORIA DEVELOPMENT, INC. | 12 | 6.188% | $285,000 | 7.1% |
| Plains Commerce Bank | 12 | 5.813% | $345,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 11 | 6.125% | $145,000 | 0.0% |
| Bell Bank | 11 | 6.125% | $285,000 | 21.4% |
| HILTON FINANCIAL CORPORATION | 11 | 12.000% | $275,000 | 0.0% |
| Equity Prime Mortgage LLC | 10 | 6.438% | $345,000 | 23.1% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.688% | $310,000 | 9.1% |
| U.S. Bank National Association | 10 | 6.308% | $345,000 | 23.1% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 28.6% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 72.4% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Cornerstone First Mortgage, Inc | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CLEARPATH LENDING | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 68.8% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 12.5% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Loan Simple, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| TRUSTONE FINANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 61.5% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 3 | Under 10 loans | Under 10 loans | 44.4% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 20.0% |
| OneAZ Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MidFirst Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Western State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FISHER FINANCIAL GROUP, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE WEST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 71.4% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION WEST | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIMA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, 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% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Deseret First Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST UNITED BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PINAL COUNTY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NUMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equitable Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security First Bank of North Dakota | 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 81 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.