Mortgage lending in Prescott Valley-Prescott, AZ
7,254 mortgages were originated in the Prescott Valley-Prescott, 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
- 7,254
- Median rate
- 6.625%
- Median lender fees
- $6,463
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
- $295,000
- Above the going rate (spread over APOR)
- 0.323
- Paid discount points
- 45.1%
- 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.
Who lent here
Lenders with at least 50 loans in the Prescott Valley-Prescott, AZ area, 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% |