Mortgage lending in Pinal County
18,081 mortgages were originated in Pinal 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
- 18,081
- Median rate
- 6.250%
- Median lender fees
- $7,792
- Median loan amount
- $305,000
- Median spread over APOR
- 0.075
- Paid discount points
- 55%
- Received lender credits
- 23.4%
- Purchases / refinances
- 62.8% / 24.3%
- Conventional / FHA / VA
- 56.8% / 30% / 11.9%
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 82.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $557,750
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 Pinal County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,726 | $8,884 | 6.125% |
| Rocket Mortgage, LLC | 1,180 | $6,149 | 6.500% |
| DHI MORTGAGE COMPANY, LTD. | 1,105 | $10,305 | 3.990% |
| Loandepot.Com, LLC | 738 | $11,296 | 4.990% |
| DESERT FINANCIAL CREDIT UNION | 714 | $6,061 | 6.490% |
| LENNAR MORTGAGE, LLC | 647 | $9,006 | 4.250% |
| VELOCIO MORTGAGE L.L.C. | 621 | $13,038 | 3.990% |
| Fairway Independent Mortgage Corporation | 458 | $9,478 | 6.625% |
| GUILD MORTGAGE COMPANY | 400 | $9,249 | 6.625% |
| FREEDOM MORTGAGE CORPORATION | 299 | $6,275 | 6.125% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Pinal County — not a rule of thumb.
From 14,977 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