Mortgage lending in Flagstaff, AZ

2,906 mortgages were originated in the Flagstaff, AZ area in 2025, and here is what they cost.

Loans originated

2,906

Median rate

6.750%

Median lender fees

$6,795

Median loan amount

$375,000

Median spread over APOR

0.321

Paid discount points

39.1%

Received lender credits

26.1%

Purchases / refinances

50.5% / 32.6%

Conventional / FHA / VA

85.9% / 8.6% / 5.5%

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 71.6% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Flagstaff, AZ area, ranked by volume.