Mortgage lending in Cochise County
2,817 mortgages were originated in Cochise County, Arizona, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,817
- Median rate
- 6.500%
- Median lender fees
- $5,657
- Median loan amount
- $215,000
- Median spread over APOR
- 0.280
- Paid discount points
- 54.4%
- Received lender credits
- 26.1%
- Purchases / refinances
- 48.5% / 38.3%
- Conventional / FHA / VA
- 47.7% / 17% / 33.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 81.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Cochise County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 453 | $5,321 | 6.250% |
| Rocket Mortgage, LLC | 220 | $5,827 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 194 | $6,460 | 6.104% |
| GUILD MORTGAGE COMPANY | 127 | $6,819 | 6.625% |
| Mortgage Research Center, LLC | 103 | $4,336 | 6.125% |
| BoxCar Mortgage, LLC | 99 | — | 6.490% |
| Navy Federal Credit Union | 95 | $2,000 | 7.500% |
| Fairway Independent Mortgage Corporation | 78 | $7,472 | 6.490% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 75 | $4,073 | 6.490% |
| Loandepot.Com, LLC | 67 | $6,882 | 7.000% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Cochise County — not a rule of thumb.
From 2,285 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers