Mortgage lenders in Yavapai County
7,253 mortgages were made in Yavapai County, Arizona, in 2025, by 450 lenders. The median rate their borrowers got was 6.625% on a median loan of $295,000. Of 9,832 decisions, 2,071 were denials — 21.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 679 | 6.375% | $355,000 | 13.5% |
| Rocket Mortgage, LLC | 566 | 6.625% | $255,000 | 15.6% |
| OneAZ Credit Union | 384 | 7.250% | $105,000 | 35.2% |
| Fairway Independent Mortgage Corporation | 231 | 6.875% | $335,000 | 4.5% |
| GUILD MORTGAGE COMPANY | 218 | 6.625% | $295,000 | 4.7% |
| DESERT FINANCIAL CREDIT UNION | 192 | 6.490% | $105,000 | 31.4% |
| GARDNER FINANCIAL SERVICES, LTD. | 177 | 6.625% | $335,000 | 3.1% |
| V.I.P. MORTGAGE, INC. | 134 | 6.625% | $325,000 | 2.2% |
| Zions Bancorporation, N.A. | 126 | 7.750% | $160,000 | 32.6% |
| PENNYMAC LOAN SERVICES, LLC | 122 | 6.625% | $335,000 | 21.0% |
| JPMorgan Chase Bank, National Association | 112 | 6.375% | $280,000 | 15.0% |
| CMG MORTGAGE, INC. | 108 | 6.875% | $345,000 | 4.0% |
| THE LOAN STORE, INC. | 103 | 6.625% | $335,000 | 12.1% |
| CREDIT UNION WEST | 99 | 7.750% | $95,000 | 23.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 93 | 6.875% | $355,000 | 4.0% |
| Mortgage Research Center, LLC | 91 | 6.125% | $355,000 | 26.8% |
| U.S. Bank National Association | 91 | 7.125% | $335,000 | 37.5% |
| Loandepot.Com, LLC | 84 | 7.058% | $180,000 | 24.1% |
| NEWREZ LLC | 80 | 6.375% | $330,000 | 27.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 79 | 6.500% | $395,000 | 2.5% |
| GUARANTEED RATE, INC. | 78 | 6.775% | $295,000 | 14.0% |
| Bank of America, National Association | 77 | 6.490% | $165,000 | 36.9% |
| FREEDOM MORTGAGE CORPORATION | 70 | 6.188% | $375,000 | 17.3% |
| Paramount Residential Mortgage Group, Inc. | 69 | 6.375% | $375,000 | 2.8% |
| Glacier Bank | 66 | 6.950% | $385,000 | 19.8% |
| Nations Lending Corporation | 63 | 6.500% | $285,000 | 1.3% |
| Bank of Colorado | 61 | 6.625% | $395,000 | 3.1% |
| BMO Bank National Association | 59 | 8.080% | $155,000 | 43.4% |
| NATIONSTAR MORTGAGE LLC | 56 | 6.990% | $155,000 | 23.0% |
| Navy Federal Credit Union | 55 | 7.750% | $195,000 | 40.4% |
| SPRING EQ, LLC | 52 | 8.600% | $100,000 | 56.2% |
| FIGURE LENDING LLC | 52 | 8.525% | $65,000 | 24.7% |
| INSPIRE HOME LOANS INC. | 52 | 6.125% | $340,000 | 3.3% |
| GENEVA FINANCIAL, LLC | 51 | 6.875% | $285,000 | 3.8% |
| MORIA DEVELOPMENT, INC. | 50 | 6.688% | $300,000 | 3.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 50 | 6.750% | $330,000 | 9.1% |
| Broker Solutions, Inc. | 46 | 6.750% | $315,000 | 27.7% |
| FINANCE OF AMERICA REVERSE LLC | 46 | 6.313% | $235,000 | 4.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 45 | 6.625% | $295,000 | 15.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 43 | 6.125% | $295,000 | 15.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 43 | 6.750% | $295,000 | 17.3% |
| Wells Fargo Bank, National Association | 42 | 6.375% | $420,000 | 20.4% |
| Heritage Mortgage, LLC | 42 | 6.625% | $390,000 | 0.0% |
| Synergy One Lending, Inc. | 41 | 6.875% | $315,000 | 8.9% |
| PNC Bank, National Association | 40 | 8.060% | $155,000 | 24.5% |
| MOVEMENT MORTGAGE, LLC | 39 | 6.500% | $315,000 | 3.7% |
| UNION HOME MORTGAGE CORP. | 38 | 6.625% | $335,000 | 4.7% |
| CORNERSTONE CAPITAL BANK, SSB | 37 | 6.490% | $375,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 36 | 6.625% | $240,000 | 25.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 36 | 6.625% | $340,000 | 2.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 36 | 6.490% | $315,000 | 5.3% |
| AmeriSave Mortgage Corporation | 35 | 7.500% | $95,000 | 69.0% |
| Coastal Community Bank | 34 | 9.740% | $55,000 | 3.5% |
| LAKEVIEW LOAN SERVICING, LLC | 33 | 6.490% | $315,000 | 50.6% |
| Equity Prime Mortgage LLC | 32 | 6.500% | $310,000 | 8.6% |
| INTERCAP LENDING INC. | 29 | 6.375% | $505,000 | 0.0% |
| AMERICA FIRST Federal Credit Union | 28 | 7.240% | $80,000 | 21.1% |
| Arizona Financial Credit Union | 27 | 7.000% | $105,000 | 22.9% |
| Sierra Pacific Mortgage Company, Inc. | 27 | 6.625% | $325,000 | 3.3% |
| 21st Mortgage Corporation | 26 | 9.370% | $125,000 | 66.7% |
| ALLIANT CREDIT UNION | 26 | 8.250% | $120,000 | 30.8% |
| Commerce Home Mortgage, Inc. | 26 | 7.563% | $355,000 | 7.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 25 | 8.200% | $95,000 | 29.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 25 | 6.750% | $355,000 | 13.8% |
| Waterstone Mortgage Corporation | 25 | 6.990% | $285,000 | 7.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 25 | 9.600% | $155,000 | 16.1% |
| ENVOY MORTGAGE, LTD | 24 | 6.625% | $305,000 | 25.0% |
| TRIAD FINANCIAL SERVICES, INC. | 23 | 8.650% | $125,000 | 50.7% |
| FBC MORTGAGE, LLC | 23 | 6.490% | $385,000 | 0.0% |
| OCMBC, INC. | 23 | 6.999% | $345,000 | 8.0% |
| KIND LENDING, LLC | 22 | 6.563% | $360,000 | 35.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 22 | 6.438% | $370,000 | 15.4% |
| GUARANTEED RATE AFFINITY, LLC | 21 | 6.750% | $335,000 | 12.0% |
| Plains Commerce Bank | 21 | 6.625% | $395,000 | 8.7% |
| LONGBRIDGE FINANCIAL, LLC | 21 | 6.250% | $215,000 | 8.0% |
| Mountain America Federal Credit Union | 20 | 6.933% | $255,000 | 60.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 20 | 5.750% | $380,000 | 31.0% |
| USAA Federal Savings Bank | 18 | 6.188% | $475,000 | 25.0% |
| Flagstar Bank, N.A. | 18 | 6.250% | $355,000 | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.370% | $370,000 | 5.3% |
| Lendage, LLC | 18 | 9.875% | $65,000 | 18.2% |
| PLANET HOME LENDING, LLC | 18 | 6.250% | $360,000 | 10.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 17 | 6.500% | $225,000 | 49.0% |
| CLM MORTGAGE, INC. | 17 | 6.250% | $535,000 | 4.2% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 17 | 6.750% | $295,000 | 0.0% |
| Shea Mortgage Inc. | 17 | 6.625% | $355,000 | 0.0% |
| Charles Schwab Bank, SSB | 17 | 5.675% | $505,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 16 | 5.990% | $335,000 | 59.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 7.140% | $190,000 | 26.1% |
| Prosperity Home Mortgage, LLC | 16 | 6.625% | $480,000 | 15.8% |
| GoodLeap, LLC | 16 | 6.588% | $140,000 | 19.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 15 | 9.750% | $215,000 | 56.8% |
| NEW DAY FINANCIAL, LLC | 15 | 6.750% | $375,000 | 43.3% |
| BETTER MORTGAGE CORPORATION | 15 | 7.125% | $285,000 | 30.4% |
| PHH Mortgage Corporation | 15 | 5.990% | $285,000 | 31.8% |
| Click n' Close, Inc. | 14 | 7.063% | $340,000 | 12.5% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 7.563% | $105,000 | 37.5% |
| Adams Bank & Trust | 14 | 7.750% | $580,000 | 0.0% |
| Citadel Servicing Corporation | 13 | 8.375% | $255,000 | 5.3% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.990% | $105,000 | 27.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 6.750% | $275,000 | 6.3% |
| RESICENTRAL, LLC | 13 | 6.750% | $365,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 12 | 6.308% | $250,000 | 25.0% |
| LoanUnited.com, LLC | 12 | 6.188% | $375,000 | 14.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 5.983% | $320,000 | 16.7% |
| ARIZONA CENTRAL | 12 | 7.250% | $125,000 | 7.7% |
| Morgan Stanley Private Bank, National Association | 12 | 6.088% | $695,000 | 17.7% |
| CHAMPIONS FUNDING, LLC | 12 | 7.875% | $305,000 | 0.0% |
| Discover Bank | 11 | 9.010% | $75,000 | 78.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | 11 | 6.875% | $295,000 | 42.1% |
| Kiavi Funding, Inc. | 11 | 11.500% | $385,000 | 15.4% |
| EFINITY FINANCIAL INC. | 11 | 6.500% | $295,000 | 15.4% |
| UMB Bank, National Association | 11 | 5.990% | $205,000 | 26.7% |
| Copper State Credit Union | 11 | 6.500% | $125,000 | 20.0% |
| HILTON FINANCIAL CORPORATION | 11 | 12.000% | $205,000 | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 11 | 6.875% | $375,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 11 | 6.500% | $345,000 | 0.0% |
| The Federal Savings Bank | 10 | 6.500% | $435,000 | 28.6% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.499% | $455,000 | 50.0% |
| Bell Bank | 10 | 6.688% | $500,000 | 16.7% |
| A&D Mortgage LLC | 10 | 6.625% | $370,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 10 | 8.438% | $90,000 | 23.1% |
| Northpointe Bank | 10 | 6.625% | $505,000 | 9.1% |
| Valon Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Firefighters First Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Cornerstone First Mortgage, Inc | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SUN AMERICAN MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Sunflower Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CLEARPATH LENDING | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wallick & Volk, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Boeing Employees Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Simple, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| United Trust Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KS StateBank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TRUWEST Credit Union | 4 | Under 10 loans | Under 10 loans | 60.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Global Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GTE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DIRECT MORTGAGE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Old Second National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AERO Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE WEST | 3 | Under 10 loans | Under 10 loans | 44.4% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 37.5% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 66.7% |
| BAY-VALLEY MORTGAGE GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 25.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 250 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Yavapai County
43 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| JPMorgan Chase Bank, National Association | 9 | $1.7 billion |
| Zions Bancorporation, N.A. | 7 | $649.0 million |
| Wells Fargo Bank, National Association | 5 | $1.1 billion |
| Glacier Bank | 4 | $464.3 million |
| BMO Bank National Association | 4 | $263.1 million |
| Flagstar Bank, National Association | 3 | $291.4 million |
| Bank of Colorado | 3 | $165.7 million |
| Bank of America, National Association | 2 | $526.0 million |
| PNC Bank, National Association | 2 | $144.2 million |
| U.S. Bank National Association | 1 | $156.1 million |
| WaFd Bank | 1 | $45.1 million |
| First National Bank Texas | 1 | $5.9 million |
| Adams Bank & Trust | 1 | $1.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Wells Fargo Bank, National Association, 1831 E State Route 69, Prescott
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When the next year’s lending figures are out for Yavapai County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.