What people paid for mortgages in Maricopa County, AZ (2025)
Across 46,982 closed home-purchase loans in 2025, the median interest rate in Maricopa was 6.25%, and the middle half of borrowers got between 5.75% and 6.75%. Median total loan costs ran $8,540 on a median loan of $415,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $8,540
- Median loan amount
- $415,000
46,982 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $6,625
- Median loan amount
- $375,000
20,307 loans, 2025.
Lowest median rates in Maricopa (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.DHI MORTGAGE COMPANY, LTD.3.99%821 loans, median costs $11,118
- 2.LENNAR MORTGAGE, LLC4.25%1,353 loans, median costs $7,781
- 3.VELOCIO MORTGAGE L.L.C.4.25%731 loans, median costs $14,255
- 4.NEST HOME LENDING, LLC4.49%40 loans, median costs $11,280
- 5.HOMEAMERICAN MORTGAGE CORPORATION4.5%517 loans, median costs $4,176
Among lenders with at least 30 closed purchase loans in Maricopa County in 2025.
Refinance
- 1.SayGO Home Loans, LLC5.25%37 loans, median costs $24,289
- 2.CREDIT UNION WEST5.308%42 loans, median costs $3,810
- 3.NBKC BANK5.625%33 loans, median costs $2,266
- 4.VILLAGE CAPITAL & INVESTMENT LLC5.75%135 loans, median costs $6,724
- 5.Mortgage Research Center, LLC5.75%95 loans, median costs $6,594
Among lenders with at least 30 closed refinance loans in Maricopa County in 2025.
Lender by lender in Maricopa
Every lender that closed at least 5 qualifying loans in Maricopa County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 6,839 | 6.471% | $9,573 | $3,924 | $3,458 |
| 2 | Rocket Mortgage, LLC | 2,704 | 6.375% | $7,816 | $3,663 | $3,571 |
| 3 | Fairway Independent Mortgage Corporation | 1,760 | 6.625% | $9,428 | $3,723 | $3,588 |
| 4 | Taylor Morrison Home Funding, Inc. | 1,459 | 5.625% | $5,489 | $126 | $11,309 |
| 5 | CROSSCOUNTRY MORTGAGE, INC. | 1,372 | 6.5% | $12,283 | $5,001 | $5,602 |
| 6 | LENNAR MORTGAGE, LLC | 1,353 | 4.25% | $7,781 | $1,648 | $13,923 |
| 7 | V.I.P. MORTGAGE, INC. | 1,002 | 6.49% | $8,717 | $2,140 | $5,548 |
| 8 | Loandepot.Com, LLC | 931 | 4.99% | $13,767 | $4,403 | $5,715 |
| 9 | GUILD MORTGAGE COMPANY | 915 | 6.625% | $10,122 | $4,896 | $4,457 |
| 10 | DHI MORTGAGE COMPANY, LTD. | 821 | 3.99% | $11,118 | $0 | $3,508 |
| 11 | JPMorgan Chase Bank, National Association | 753 | 6.375% | $4,155 | $650 | $3,136 |
| 12 | Plains Commerce Bank | 744 | 6.375% | $9,823 | $4,421 | $3,432 |
| 13 | VELOCIO MORTGAGE L.L.C. | 731 | 4.25% | $14,255 | $2,507 | $9,039 |
| 14 | PULTE MORTGAGE LLC | 715 | 5% | $1,739 | $0 | $13,049 |
| 15 | CMG MORTGAGE, INC. | 690 | 6.375% | $10,694 | $3,305 | $2,865 |
| 16 | NFM, INC. | 679 | 4.99% | $13,400 | $1,790 | $6,217 |
| 17 | THE LOAN STORE, INC.broker only | 627 | 6.49% | $7,569 | $2,753 | $2,583 |
| 18 | PENNYMAC LOAN SERVICES, LLC | 619 | 6.375% | $8,241 | $2,348 | $2,705 |
| 19 | GUARANTEED RATE, INC. | 608 | 6.49% | $6,739 | $1,712 | $4,600 |
| 20 | NOVA FINANCIAL & INVESTMENT CORPORATION | 579 | 6.49% | $6,419 | $0 | $3,787 |
| 21 | Paramount Residential Mortgage Group, Inc. | 517 | 6.375% | $10,515 | $3,348 | $3,285 |
| 22 | HOMEAMERICAN MORTGAGE CORPORATION | 517 | 4.5% | $4,176 | $0 | $10,050 |
| 23 | KBHS HOME LOANS, LLC | 498 | 5.625% | $11,863 | $1,380 | $15,431 |
| 24 | Mortgage Research Center, LLC | 488 | 6.125% | $4,654 | $0 | $2,012 |
| 25 | Bell Bank | 466 | 6.625% | $6,092 | $2,404 | $2,274 |
| 26 | ZILLOW HOME LOANS, LLC | 444 | 6.5% | $7,144 | $3,170 | $3,190 |
| 27 | EFINITY FINANCIAL INC. | 410 | 6.5% | $14,966 | $5,955 | $4,995 |
| 28 | Click n' Close, Inc. | 399 | 6.75% | $7,612 | $8,663 | $4,267 |
| 29 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 397 | 6.5% | $8,655 | $3,719 | $4,801 |
| 30 | Bank of America, National Association | 383 | 6% | $5,666 | $1,770 | $4,334 |
| 31 | AMERICAN PACIFIC MORTGAGE CORPORATION | 368 | 6.625% | $10,526 | $5,251 | $4,444 |
| 32 | NEWREZ LLC | 357 | 6.25% | $11,968 | $2,768 | $3,843 |
| 33 | DESERT FINANCIAL CREDIT UNION | 344 | 6.49% | $7,206 | $3,419 | $3,726 |
| 34 | MOVEMENT MORTGAGE, LLC | 331 | 6.625% | $8,860 | $4,031 | $4,036 |
| 35 | Broker Solutions, Inc. | 319 | 6.625% | $11,254 | $4,923 | $4,211 |
| 36 | K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 310 | 4.99% | $10,397 | $1,800 | $11,680 |
| 37 | MATTAMY HOME FUNDING, LLC | 305 | 5.375% | $5,781 | $101 | $16,553 |
| 38 | Wells Fargo Bank, National Association | 298 | 6.25% | $6,034 | $2,202 | $2,925 |
| 39 | Tripointe Connect, LLC | 286 | 6.75% | $7,414 | $1,490 | $5,816 |
| 40 | Shea Mortgage Inc. | 281 | 6% | $0 | $0 | $10,553 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Maricopa figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Maricopa County in 2025?
The median interest rate on closed home-purchase loans in Maricopa County, Arizona in 2025 was 6.25%, across 46,982 first-lien, owner-occupied loans. The middle half of borrowers got between 5.75% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.