Mortgage lending in Phoenix-Mesa-Chandler, AZ
129,891 mortgages were originated in the Phoenix-Mesa-Chandler, AZ area in 2025, and here is what they cost.
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
- 129,891
- Median rate
- 6.500%
- Median lender fees
- $6,857
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
- $325,000
- Above the going rate (spread over APOR)
- 0.173
- Paid discount points
- 44.5%
- Received lender credits
- 21.9%
- Purchases / refinances
- 51.3% / 29.5%
- Conventional / FHA / VA
- 74.7% / 17% / 8%
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 73.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Phoenix-Mesa-Chandler, AZ area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 14,650 | $8,369 | 6.250% |
| Desert Financial Credit Union | 9,981 | $5,729 | 6.490% |
| Rocket Mortgage, LLC | 9,507 | $5,294 | 6.750% |
| Fairway Independent Mortgage Corporation | 3,147 | $8,671 | 6.625% |
| Loandepot.Com, LLC | 2,722 | $9,869 | 5.875% |
| Pennymac Loan Services, LLC | 2,320 | $6,178 | 6.500% |
| Crosscountry Mortgage, Inc. | 2,263 | $10,935 | 6.575% |
| Lennar Mortgage, LLC | 2,126 | $7,226 | 4.250% |
| JPMorgan Chase Bank, National Association | 2,084 | $3,840 | 6.500% |
| Bank of America, National Association | 2,072 | $5,153 | 6.240% |