Mortgage lending in Maricopa County
111,789 mortgages were originated in Maricopa County, Arizona, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 111,789
- Median rate
- 6.500%
- Median lender fees
- $6,724
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $325,000
- Above the going rate (spread over APOR)
- 0.186
- Paid discount points
- 42.8%
- Received lender credits
- 21.6%
- Purchases / refinances
- 49.4% / 30.4%
- Conventional / FHA / VA
- 77.6% / 14.9% / 7.4%
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 71.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $557,750
- Median home price
- $485,000
- That home, 20% down
- $388,000
A median-priced home with 20% down leaves $444,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Maricopa County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 12,924 | $8,291 | 6.374% |
| Desert Financial Credit Union | 9,267 | $5,672 | 6.490% |
| Rocket Mortgage, LLC | 8,327 | $5,152 | 6.750% |
| Fairway Independent Mortgage Corporation | 2,689 | $8,556 | 6.625% |
| Pennymac Loan Services, LLC | 2,031 | $6,084 | 6.624% |
| Crosscountry Mortgage, Inc. | 2,022 | $10,922 | 6.575% |
| Loandepot.Com, LLC | 1,984 | $8,950 | 6.250% |
| Bank of America, National Association | 1,938 | $5,264 | 6.240% |
| JPMorgan Chase Bank, National Association | 1,910 | $3,861 | 6.500% |
| Arizona Financial Credit Union | 1,807 | — | 7.250% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Maricopa County — not a rule of thumb.
From 80,374 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers