Mortgage lending in Mohave County
6,605 mortgages were originated in Mohave 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
- 6,605
- Median rate
- 6.625%
- Median lender fees
- $6,247
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
- $225,000
- Above the going rate (spread over APOR)
- 0.425
- Paid discount points
- 51.5%
- Received lender credits
- 28.8%
- Purchases / refinances
- 54.6% / 31.8%
- Conventional / FHA / VA
- 68.3% / 16.6% / 14%
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 80.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $267,000
- That home, 20% down
- $213,600
A median-priced home with 20% down leaves $619,150 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 Mohave County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 865 | $8,035 | 6.500% |
| Rocket Mortgage, LLC | 597 | $5,355 | 6.750% |
| Broker Solutions, Inc. | 342 | $7,594 | 6.750% |
| American Financial Network, Inc. | 185 | $7,221 | 6.500% |
| American Pacific Mortgage Corporation | 166 | $6,263 | 6.625% |
| Inspire Home Loans Inc. | 150 | $5,347 | 6.125% |
| Arizona Financial Credit Union | 148 | $4,841 | 6.750% |
| Mortgage Research Center, LLC | 138 | $3,832 | 6.250% |
| Loandepot.Com, LLC | 133 | $5,649 | 6.990% |
| The Loan Store, Inc. | 123 | $6,030 | 6.990% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Mohave County — not a rule of thumb.
From 5,292 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