Mortgage lending in Yavapai County
7,253 mortgages were originated in Yavapai 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
- 7,253
- Median rate
- 6.625%
- Median lender fees
- $6,463
- Median loan amount
- $295,000
- Median spread over APOR
- 0.322
- Paid discount points
- 45.2%
- Received lender credits
- 24.9%
- Purchases / refinances
- 49.9% / 31.5%
- Conventional / FHA / VA
- 75.7% / 13.5% / 10.7%
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 74.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Yavapai County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 679 | $7,581 | 6.375% |
| Rocket Mortgage, LLC | 566 | $5,717 | 6.625% |
| OneAZ Credit Union | 384 | $3,568 | 7.250% |
| Fairway Independent Mortgage Corporation | 231 | $7,269 | 6.875% |
| GUILD MORTGAGE COMPANY | 218 | $7,182 | 6.625% |
| DESERT FINANCIAL CREDIT UNION | 192 | — | 6.490% |
| GARDNER FINANCIAL SERVICES, LTD. | 177 | $9,190 | 6.625% |
| V.I.P. MORTGAGE, INC. | 134 | $8,904 | 6.625% |
| Zions Bancorporation, N.A. | 126 | — | 7.750% |
| PENNYMAC LOAN SERVICES, LLC | 122 | $5,092 | 6.625% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Yavapai County — not a rule of thumb.
From 5,416 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