What people paid for mortgages in Pinal County, AZ (2025)
Across 10,051 closed home-purchase loans in 2025, the median interest rate in Pinal was 5.99%, and the middle half of borrowers got between 4.75% and 6.625%. Median total loan costs ran $9,759 on a median loan of $355,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 5.99%
- Middle half of rates
- 4.75%–6.625%
- Median total loan costs
- $9,759
- Median loan amount
- $355,000
10,051 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $7,369
- Median loan amount
- $315,000
3,099 loans, 2025.
Lowest median rates in Pinal (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%1,074 loans, median costs $10,408
- 2.VELOCIO MORTGAGE L.L.C.3.99%592 loans, median costs $13,174
- 3.LENNAR MORTGAGE, LLC4.125%610 loans, median costs $9,553
- 4.HOMEAMERICAN MORTGAGE CORPORATION4.375%165 loans, median costs $5,353
- 5.Loandepot.Com, LLC4.99%541 loans, median costs $12,578
Among lenders with at least 30 closed purchase loans in Pinal County in 2025.
Refinance
- 1.VILLAGE CAPITAL & INVESTMENT LLC5.87%40 loans, median costs $5,432
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.875%647 loans, median costs $7,609
- 3.SUN WEST MORTGAGE COMPANY, INC.5.875%32 loans, median costs $16,422
- 4.Mortgage Research Center, LLC5.875%31 loans, median costs $4,310
- 5.Rocket Mortgage, LLC5.99%393 loans, median costs $8,024
Among lenders with at least 30 closed refinance loans in Pinal County in 2025.
Lender by lender in Pinal
Every lender that closed at least 5 qualifying loans in Pinal 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 | DHI MORTGAGE COMPANY, LTD. | 1,074 | 3.99% | $10,408 | $0 | $4,467 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 941 | 6.25% | $10,123 | $3,411 | $3,303 |
| 3 | LENNAR MORTGAGE, LLC | 610 | 4.125% | $9,553 | $1,648 | $10,054 |
| 4 | VELOCIO MORTGAGE L.L.C. | 592 | 3.99% | $13,174 | $1,915 | $5,597 |
| 5 | Loandepot.Com, LLC | 541 | 4.99% | $12,578 | $2,972 | $4,769 |
| 6 | Rocket Mortgage, LLC | 395 | 6.375% | $8,790 | $3,974 | $3,406 |
| 7 | Fairway Independent Mortgage Corporation | 303 | 6.5% | $10,315 | $4,232 | $2,958 |
| 8 | GUILD MORTGAGE COMPANY | 247 | 6.625% | $11,557 | $5,084 | $3,342 |
| 9 | INSPIRE HOME LOANS INC. | 246 | 5.5% | $9,603 | $1,500 | $7,910 |
| 10 | PULTE MORTGAGE LLC | 189 | 4.99% | $1,628 | $0 | $11,462 |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 183 | 6.49% | $12,273 | $4,394 | $4,658 |
| 12 | HOMEAMERICAN MORTGAGE CORPORATION | 165 | 4.375% | $5,353 | $0 | $7,429 |
| 13 | Taylor Morrison Home Funding, Inc. | 153 | 5.625% | $4,989 | $126 | $7,632 |
| 14 | Mortgage Research Center, LLC | 143 | 6.25% | $1,985 | $0 | $1,564 |
| 15 | KBHS HOME LOANS, LLC | 131 | 5.7% | $10,671 | $1,549 | $10,166 |
| 16 | NFM, INC. | 131 | 4.99% | $12,886 | $1,790 | $7,549 |
| 17 | V.I.P. MORTGAGE, INC. | 129 | 6.5% | $9,363 | $2,640 | $4,187 |
| 18 | K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 127 | 4.99% | $9,485 | $1,800 | $11,700 |
| 19 | NOVA FINANCIAL & INVESTMENT CORPORATION | 127 | 6.49% | $5,884 | $0 | $2,301 |
| 20 | GENEVA FINANCIAL, LLC | 124 | 6.5% | $11,037 | $4,187 | $8,046 |
| 21 | THE LOAN STORE, INC.broker only | 96 | 6.49% | $8,169 | $3,076 | $2,365 |
| 22 | Click n' Close, Inc. | 94 | 6.75% | $6,943 | $7,975 | $3,196 |
| 23 | Paramount Residential Mortgage Group, Inc. | 87 | 6.125% | $11,213 | $3,978 | $3,781 |
| 24 | AMERICAN PACIFIC MORTGAGE CORPORATION | 85 | 6.75% | $14,327 | $6,645 | $5,008 |
| 25 | Tripointe Connect, LLC | 82 | 6.375% | $7,032 | $1,490 | $7,650 |
| 26 | CMG MORTGAGE, INC. | 82 | 6.438% | $11,986 | $3,479 | $2,807 |
| 27 | NEWREZ LLC | 74 | 6.245% | $10,967 | $2,441 | $3,289 |
| 28 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 71 | 6.25% | $15,735 | $8,539 | $10,082 |
| 29 | Bell Bank | 69 | 6.625% | $6,320 | $2,845 | $1,778 |
| 30 | MATTAMY HOME FUNDING, LLC | 66 | 5.312% | $4,913 | $101 | $15,911 |
| 31 | PENNYMAC LOAN SERVICES, LLC | 66 | 6.25% | $8,356 | $2,486 | $2,747 |
| 32 | GUARANTEED RATE, INC. | 64 | 6.25% | $6,811 | $2,058 | $3,320 |
| 33 | Shea Mortgage Inc. | 63 | 6.5% | $779 | $0 | $6,049 |
| 34 | Plains Commerce Bank | 62 | 6.375% | $9,705 | $3,866 | $2,992 |
| 35 | JPMorgan Chase Bank, National Association | 62 | 6.49% | $3,424 | $500 | $1,574 |
| 36 | ZILLOW HOME LOANS, LLC | 61 | 6.5% | $6,665 | $3,242 | $2,669 |
| 37 | DIRECT MORTGAGE LOANS, LLC | 57 | 6.49% | $13,132 | $4,745 | $3,724 |
| 38 | Waterstone Mortgage Corporation | 53 | 5.99% | $13,838 | $5,426 | $7,380 |
| 39 | CREDIT HUMAN FEDERAL CREDIT UNION | 53 | 8.5% | $7,569 | $4,624 | n/a |
| 40 | AMERICAN FINANCIAL NETWORK, INC. | 51 | 6.99% | $13,892 | $5,883 | n/a |
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 Pinal figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Pinal County in 2025?
The median interest rate on closed home-purchase loans in Pinal County, Arizona in 2025 was 5.99%, across 10,051 first-lien, owner-occupied loans. The middle half of borrowers got between 4.75% and 6.625%.
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.