What people paid for mortgages in Santa Cruz County, AZ (2025)
Across 417 closed home-purchase loans in 2025, the median interest rate in Santa Cruz was 6.375%, and the middle half of borrowers got between 6% and 6.75%. Median total loan costs ran $9,175 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 6%–6.75%
- Median total loan costs
- $9,175
- Median loan amount
- $275,000
417 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $6,789
- Median loan amount
- $245,000
259 loans, 2025.
Lowest median rates in Santa Cruz (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.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.125%28 loans, median costs $10,245
- 2.AMERICAN PACIFIC MORTGAGE CORPORATION6.25%89 loans, median costs $10,486
- 3.THE LOAN STORE, INC.broker only6.25%24 loans, median costs $8,863
- 4.CROSSCOUNTRY MORTGAGE, INC.6.25%23 loans, median costs $10,739
- 5.Mortgage Research Center, LLC6.25%16 loans, median costs $4,983
Among lenders with at least 10 closed purchase loans in Santa Cruz County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.
Refinance
- 1.PENNYMAC LOAN SERVICES, LLC5.875%13 loans, median costs $9,415
- 2.FREEDOM MORTGAGE CORPORATION6%21 loans, median costs $3,988
- 3.Rocket Mortgage, LLC6.125%31 loans, median costs $8,097
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.125%21 loans, median costs $5,811
- 5.AMERICAN PACIFIC MORTGAGE CORPORATION6.5%35 loans, median costs $7,102
Among lenders with at least 10 closed refinance loans in Santa Cruz County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.
Lender by lender in Santa Cruz
Every lender that closed at least 5 qualifying loans in Santa Cruz 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 | AMERICAN PACIFIC MORTGAGE CORPORATION | 89 | 6.25% | $10,486 | $4,989 | $3,733 |
| 2 | NOVA FINANCIAL & INVESTMENT CORPORATION | 28 | 6.433% | $4,948 | $0 | $1,499 |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 28 | 6.125% | $10,245 | $4,084 | $2,487 |
| 4 | THE LOAN STORE, INC.broker only | 24 | 6.25% | $8,863 | $3,224 | $2,165 |
| 5 | CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.25% | $10,739 | $4,159 | $3,610 |
| 6 | Fairway Independent Mortgage Corporation | 17 | 6.625% | $10,547 | $4,178 | $3,145 |
| 7 | Mortgage Research Center, LLC | 16 | 6.25% | $4,983 | $0 | $1,668 |
| 8 | MORIA DEVELOPMENT, INC. | 16 | 6.688% | $6,604 | $2,061 | $1,922 |
| 9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 6.25% | $9,344 | $2,125 | $882 |
| 10 | ALTITUDE FINANCIAL CORPORATION | 11 | 6.25% | $4,728 | $0 | $4,248 |
| 11 | GUILD MORTGAGE COMPANY | 11 | 6.625% | $13,221 | $7,510 | $3,518 |
| 12 | EFINITY FINANCIAL INC. | 9 | 6.5% | $11,387 | $3,145 | $2,074 |
| 13 | JPMorgan Chase Bank, National Association | 9 | 6.5% | $8,973 | $5,345 | $3,916 |
| 14 | V.I.P. MORTGAGE, INC. | 8 | 6.75% | $8,053 | $2,365 | $1,407 |
| 15 | CMG MORTGAGE, INC. | 6 | 6.75% | $6,865 | $4,026 | $1,395 |
| 16 | Paramount Residential Mortgage Group, Inc. | 5 | 5.75% | $10,939 | $2,811 | $2,741 |
| 17 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 6.125% | $12,777 | $5,710 | $1,766 |
| 18 | Loandepot.Com, LLC | 5 | 6.625% | $9,670 | $4,738 | $3,122 |
| 19 | OneAZ Credit Union | 5 | 6.25% | $8,896 | $2,995 | $1,724 |
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 Santa Cruz figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Santa Cruz County in 2025?
The median interest rate on closed home-purchase loans in Santa Cruz County, Arizona in 2025 was 6.375%, across 417 first-lien, owner-occupied loans. The middle half of borrowers got between 6% 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.