Mortgage lending in Coconino County
2,905 mortgages were originated in Coconino 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
- 2,905
- Median rate
- 6.750%
- Median lender fees
- $6,795
- Median loan amount
- $375,000
- Median spread over APOR
- 0.320
- Paid discount points
- 39.1%
- Received lender credits
- 26.1%
- Purchases / refinances
- 50.5% / 32.6%
- Conventional / FHA / VA
- 85.9% / 8.6% / 5.5%
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 71.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $609,500
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 Coconino County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 347 | $7,494 | 6.499% |
| Rocket Mortgage, LLC | 211 | $5,500 | 6.750% |
| OneAZ Credit Union | 177 | $4,187 | 7.250% |
| GUILD MORTGAGE COMPANY | 141 | $9,689 | 6.625% |
| DESERT FINANCIAL CREDIT UNION | 94 | — | 6.490% |
| CROSSCOUNTRY MORTGAGE, INC. | 85 | $8,266 | 6.625% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 82 | $5,447 | 6.625% |
| INTERCAP LENDING INC. | 70 | $6,769 | 6.500% |
| Zions Bancorporation, N.A. | 64 | — | 7.925% |
| Fairway Independent Mortgage Corporation | 62 | $7,849 | 6.625% |
What lenders charged here
Lender fees on a $375,000 loan, based on what was actually charged in Coconino County — not a rule of thumb.
From 2,080 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