Home purchase lenders in Yavapai County
3,618 home purchase mortgages were made in Yavapai County, Arizona, in 2025, by 347 lenders. The median rate their borrowers got was 6.625% on a median loan of $355,000. Of 4,279 decisions, 467 were denials — 10.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 366 | 6.573% | $355,000 | 9.5% |
| Fairway Independent Mortgage Corporation | 179 | 6.875% | $345,000 | 2.1% |
| GUILD MORTGAGE COMPANY | 167 | 6.625% | $305,000 | 5.0% |
| Rocket Mortgage, LLC | 165 | 6.490% | $365,000 | 8.7% |
| GARDNER FINANCIAL SERVICES, LTD. | 146 | 6.625% | $335,000 | 3.2% |
| V.I.P. MORTGAGE, INC. | 118 | 6.625% | $325,000 | 1.7% |
| OneAZ Credit Union | 75 | 6.375% | $325,000 | 14.6% |
| THE LOAN STORE, INC. | 74 | 6.500% | $370,000 | 8.3% |
| CMG MORTGAGE, INC. | 70 | 6.625% | $355,000 | 2.4% |
| Mortgage Research Center, LLC | 64 | 6.250% | $355,000 | 10.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 60 | 6.970% | $380,000 | 1.6% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 57 | 6.625% | $395,000 | 3.4% |
| GUARANTEED RATE, INC. | 55 | 6.875% | $295,000 | 3.5% |
| Paramount Residential Mortgage Group, Inc. | 54 | 6.438% | $380,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 52 | 6.125% | $340,000 | 3.3% |
| JPMorgan Chase Bank, National Association | 51 | 6.250% | $355,000 | 5.5% |
| PENNYMAC LOAN SERVICES, LLC | 49 | 6.750% | $405,000 | 22.2% |
| Nations Lending Corporation | 45 | 6.500% | $295,000 | 1.8% |
| Bank of Colorado | 44 | 6.625% | $475,000 | 0.0% |
| GENEVA FINANCIAL, LLC | 43 | 6.875% | $305,000 | 4.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 43 | 6.750% | $325,000 | 6.5% |
| Glacier Bank | 42 | 6.888% | $455,000 | 12.0% |
| Heritage Mortgage, LLC | 42 | 6.625% | $390,000 | 0.0% |
| MORIA DEVELOPMENT, INC. | 40 | 6.625% | $290,000 | 4.8% |
| U.S. Bank National Association | 37 | 6.500% | $655,000 | 24.5% |
| CORNERSTONE CAPITAL BANK, SSB | 36 | 6.490% | $375,000 | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 34 | 6.750% | $335,000 | 15.0% |
| MOVEMENT MORTGAGE, LLC | 33 | 6.500% | $345,000 | 2.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 32 | 6.625% | $300,000 | 19.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 31 | 6.250% | $345,000 | 3.1% |
| UNION HOME MORTGAGE CORP. | 28 | 6.625% | $365,000 | 6.7% |
| Wells Fargo Bank, National Association | 26 | 6.313% | $430,000 | 10.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 26 | 6.625% | $340,000 | 3.2% |
| Synergy One Lending, Inc. | 25 | 6.875% | $325,000 | 7.4% |
| Loandepot.Com, LLC | 24 | 6.688% | $285,000 | 7.7% |
| 21st Mortgage Corporation | 23 | 9.170% | $125,000 | 65.7% |
| TRIAD FINANCIAL SERVICES, INC. | 23 | 8.650% | $125,000 | 49.3% |
| DESERT FINANCIAL CREDIT UNION | 23 | 6.490% | $205,000 | 38.5% |
| Bank of America, National Association | 23 | 6.375% | $445,000 | 14.8% |
| ENVOY MORTGAGE, LTD | 23 | 6.625% | $315,000 | 14.8% |
| FBC MORTGAGE, LLC | 23 | 6.490% | $385,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 23 | 6.625% | $245,000 | 23.3% |
| INTERCAP LENDING INC. | 23 | 6.375% | $505,000 | 0.0% |
| Waterstone Mortgage Corporation | 22 | 6.990% | $285,000 | 4.4% |
| KIND LENDING, LLC | 22 | 6.563% | $360,000 | 18.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 21 | 8.000% | $105,000 | 26.2% |
| Broker Solutions, Inc. | 21 | 6.875% | $325,000 | 12.5% |
| NEWREZ LLC | 20 | 6.245% | $345,000 | 20.0% |
| Plains Commerce Bank | 20 | 6.563% | $385,000 | 9.1% |
| Navy Federal Credit Union | 19 | 6.125% | $405,000 | 20.8% |
| GUARANTEED RATE AFFINITY, LLC | 19 | 6.625% | $355,000 | 5.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 18 | 6.750% | $305,000 | 14.3% |
| Zions Bancorporation, N.A. | 17 | 6.750% | $475,000 | 20.4% |
| CLM MORTGAGE, INC. | 17 | 6.250% | $535,000 | 4.2% |
| OCMBC, INC. | 17 | 6.999% | $375,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 16 | 6.688% | $355,000 | 5.9% |
| Shea Mortgage Inc. | 16 | 6.750% | $355,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 16 | 7.688% | $355,000 | 5.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 15 | 9.750% | $215,000 | 56.8% |
| Equity Prime Mortgage LLC | 15 | 6.875% | $335,000 | 6.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 15 | 6.625% | $355,000 | 16.7% |
| USAA Federal Savings Bank | 14 | 6.313% | $565,000 | 22.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 14 | 6.370% | $380,000 | 6.7% |
| Prosperity Home Mortgage, LLC | 13 | 6.625% | $505,000 | 0.0% |
| Charles Schwab Bank, SSB | 13 | 5.625% | $505,000 | 0.0% |
| Click n' Close, Inc. | 12 | 7.063% | $340,000 | 14.3% |
| Adams Bank & Trust | 11 | 7.750% | $605,000 | 0.0% |
| Kiavi Funding, Inc. | 11 | 11.500% | $385,000 | 15.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | 11 | 6.875% | $295,000 | 26.7% |
| ZILLOW HOME LOANS, LLC | 11 | 6.500% | $345,000 | 0.0% |
| CREDIT UNION WEST | 10 | 6.188% | $305,000 | 9.1% |
| PNC Bank, National Association | 10 | 6.500% | $270,000 | 9.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 6.563% | $285,000 | 8.3% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 9.1% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Arizona Financial Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mountain America Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Bell Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| EFINITY FINANCIAL INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Wallick & Volk, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARIZONA CENTRAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Loan Simple, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HUNT MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Global Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EVO HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KS StateBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 37.5% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWH FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Copper State Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Boeing Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HILTON FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kirkwood Bank & Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WEST LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 87.5% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA FIRST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National 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% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 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 147 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.