Mortgage lending in Santa Cruz County
952 mortgages were originated in Santa Cruz 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
- 952
- Median rate
- 6.500%
- Median lender fees
- $7,096
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
- $235,000
- Above the going rate (spread over APOR)
- 0.348
- Paid discount points
- 61%
- Received lender credits
- 25.1%
- Purchases / refinances
- 49.7% / 36.8%
- Conventional / FHA / VA
- 57.9% / 25.4% / 11.7%
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 83.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $275,000
- That home, 20% down
- $220,000
A median-priced home with 20% down leaves $612,750 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 Santa Cruz County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| American Pacific Mortgage Corporation | 129 | $9,618 | 6.250% |
| Rocket Mortgage, LLC | 58 | $6,156 | 6.813% |
| United Shore Financial Services, LLC | 53 | $8,996 | 6.250% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Santa Cruz County — not a rule of thumb.
From 794 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