FLAGSTAFF Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Flagstaff averaged
3.51%
for the week of 2021-11-24, compared to the national average of
3.1% for the same period.
The average rate for the prior week (2021-11-18) was
3.31% and
one month ago for the week of 2021-10-21, the
average rate was 3.5%.
Flagstaff's average rate one year ago was 2.83%.
For refis of the same type during the week of 2021-11-24, the average rate
was 3.18%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2021-11-24 | 3.1% |
| Flagstaff 30 Year Fixed Rate | 2021-11-24 | 3.51% |
| Flagstaff 30 Year Fixed Rate Refi | 2021-11-24 | 3.18% |
| Flagstaff 15 Year Fixed Rate | 2021-11-24 | 2.55% |
| Flagstaff 15 Year Fixed Rate Refi | 2021-11-24 | 2.63% |
| Flagstaff 30 Year FHA | 2021-11-24 | 3.65% |
| Flagstaff 30 Year FHA Refi | 2021-11-24 | 3.54% |
| Flagstaff 30 Year USDA | 2021-11-24 | 3.52% |
| Flagstaff 30 Year USDA Refi | 2021-11-24 | 3.67% |
| Flagstaff 30 Year VA | 2021-11-24 | 3.51% |
| Flagstaff 30 Year VA Refi | 2021-11-24 | 2.87% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within FLAGSTAFF, AZ.
FLAGSTAFF Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the FLAGSTAFF, AZ market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
FLAGSTAFF, AZ's 264 lenders originated 8,365
loans during 2020. The total origination value was $2,637,695,000, with an average loan value of
$315,325.
The top FLAGSTAFF lender as defined by loan originations is Wallick & Volk, Inc., with
549 loans originated. Their average total fees are
$4,430, which is $30
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee FLAGSTAFF lenders (with over 10 loans originated) are
SUN WEST MORTGAGE COMPANY, INC. ($1,402), FREEDOM MORTGAGE CORPORATION ($2,065), OneAZ Credit Union ($2,705), BETTER MORTGAGE CORPORATION ($2,834) and PROVIDENT FUNDING ASSOCIATES, L.P. ($2,865).
The lowest rate FLAGSTAFF lenders (with over 10 loans originated) are
AMERISAVE MORTGAGE CORPORATION (2.90%), ARIZONA CENTRAL (2.92%), DRAPER AND KRAMER MORTGAGE CORP. (2.97%), NFM, INC. (2.97%) and LEADERONE FINANCIAL CORPORATION (3.00%).
FLAGSTAFF, AZ Lender Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2019 Loan Value | 2020 Loan Value | % Change | 2020 Market Share |
|---|---|---|---|---|
| Quicken Loans | $84,565,000 | $208,845,000 | 147.0% | 7.9% |
| United Shore Financial Services LLC | $59,790,000 | $170,050,000 | 184.4% | 6.4% |
| PRIMELENDING | $85,820,000 | $161,025,000 | 87.6% | 6.1% |
| FAIRWAY INDEPENDENT MORT CORP | $60,005,000 | $125,205,000 | 108.7% | 4.7% |
| Sunstreet Mortgage LLC | $36,890,000 | $93,260,000 | 152.8% | 3.5% |
| LHM Financial DBA CNN Mortgage | $35,225,000 | $75,020,000 | 113.0% | 2.8% |
| Freedom Mortgage Corporation | $21,920,000 | $73,425,000 | 235.0% | 2.8% |
| NOVA Financial & Investment Corporation dba: Nova Home Loans | $31,770,000 | $73,295,000 | 130.7% | 2.8% |
| Academy Mortgage Corporation | $39,900,000 | $56,885,000 | 42.6% | 2.2% |
| WELLS FARGO BANK NA | $44,425,000 | $53,600,000 | 20.7% | 2.0% |
| JPMorgan Chase Bank, NA | $41,235,000 | $50,380,000 | 22.2% | 1.9% |
| Peoples Mortgage Company | $16,900,000 | $42,965,000 | 154.2% | 1.6% |
| KeyBank National Association | $112,430,000 | $42,955,000 | -61.8% | 1.6% |
| loanDepot LLC | $17,500,000 | $42,855,000 | 144.9% | 1.6% |
| ZB, N.A. | $32,705,000 | $42,230,000 | 29.1% | 1.6% |
| OneAZ Credit Union | $31,365,000 | $41,265,000 | 31.6% | 1.6% |
| US BANK, N.A. | $16,555,000 | $32,735,000 | 97.7% | 1.2% |
| Bank of America NA | $26,405,000 | $30,565,000 | 15.8% | 1.2% |
| WALKER & DUNLOP, LLC | $28,765,000 | n/a | 1.1% | |
| Greystone Servicing Corporation, Inc. | $28,280,000 | n/a | 1.1% | |
| V.I.P. Mortgage Inc. | $9,525,000 | $27,085,000 | 184.4% | 1.0% |
| Starboard Financial Management, LLC | $17,730,000 | $25,645,000 | 44.6% | 1.0% |
| Finance of America Mortgage LLC | $8,775,000 | $22,850,000 | 160.4% | 0.9% |
| Guild Mortgage Company | $8,540,000 | $20,675,000 | 142.1% | 0.8% |
| Better Mortgage Corporation | $4,630,000 | $20,280,000 | 338.0% | 0.8% |
| Arizona Central Credit Union | $9,975,000 | $20,185,000 | 102.4% | 0.8% |
| Flagstar Bank | $10,560,000 | $19,330,000 | 83.0% | 0.7% |
| MidFirst Bank | $3,720,000 | $18,935,000 | 409.0% | 0.7% |
| Loan Simple Inc | $5,950,000 | $16,920,000 | 184.4% | 0.6% |
| American Financial Network Inc. | $6,650,000 | $16,660,000 | 150.5% | 0.6% |
| Nationstar Mortgage | $8,310,000 | $16,605,000 | 99.8% | 0.6% |
| On Q Financial Inc. | $7,565,000 | $16,220,000 | 114.4% | 0.6% |
| COMPASS BANK | $6,760,000 | $16,200,000 | 139.6% | 0.6% |
| Amerisave Mortgage Corporation | $4,420,000 | $16,080,000 | 263.8% | 0.6% |
| PENNYMAC LOAN SERVICES LLC | $6,145,000 | $16,015,000 | 160.6% | 0.6% |
| Caliber Home Loans Inc | $7,825,000 | $14,595,000 | 86.5% | 0.6% |
| Cardinal Financial Company LP | $6,185,000 | $13,720,000 | 121.8% | 0.5% |
| Homeowners Financial Group | $4,610,000 | $13,420,000 | 191.1% | 0.5% |
| Lakeview Loan Servicing, LLC | $6,990,000 | $13,350,000 | 91.0% | 0.5% |
| Amerifirst Financial Inc. | $7,550,000 | $12,130,000 | 60.7% | 0.5% |
| NEWREZ LLC | $4,675,000 | $11,880,000 | 154.1% | 0.5% |
| USAA FEDERAL SAVINGS BANK | $13,605,000 | $10,805,000 | -20.6% | 0.4% |
| Sun West Mortgage Company Inc. | $1,440,000 | $10,760,000 | 647.2% | 0.4% |
| Geneva Financial LLC | $365,000 | $9,550,000 | 2,516.4% | 0.4% |
| New American Funding (dba for Broker Solutions Inc) | $4,030,000 | $9,165,000 | 127.4% | 0.3% |
| Bay Equity LLC | $3,445,000 | $9,005,000 | 161.4% | 0.3% |
| Stearns Lending | $22,085,000 | $8,975,000 | -59.4% | 0.3% |
| HomeBridge Financial Services, Inc. | $6,005,000 | $8,890,000 | 48.0% | 0.3% |
| Provident Funding Associates | $6,750,000 | $8,800,000 | 30.4% | 0.3% |
| Home Point Financial Corporation | $2,570,000 | $8,585,000 | 234.0% | 0.3% |
| UMB BANK NA | $805,000 | $8,565,000 | 964.0% | 0.3% |
| The Federal Savings Bank | $1,030,000 | $8,445,000 | 719.9% | 0.3% |
| CMG Mortgage Inc. | $4,430,000 | $8,190,000 | 84.9% | 0.3% |
| Mortgage Research Center LLC | $4,955,000 | $8,170,000 | 64.9% | 0.3% |
| Primary Residential Mortgage Inc. | $2,105,000 | $7,665,000 | 264.1% | 0.3% |
| Suburban Mortgage Inc. | $1,580,000 | $7,470,000 | 372.8% | 0.3% |
| Guaranteed Rate Inc. | $4,065,000 | $7,315,000 | 80.0% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $5,465,000 | $6,915,000 | 26.5% | 0.3% |
| NFM, Inc. | $395,000 | $6,760,000 | 1,611.4% | 0.3% |
| SecurityNational Mortgage Company | $175,000 | $6,525,000 | 3,628.6% | 0.2% |
| BELL BANK | $3,190,000 | $6,190,000 | 94.0% | 0.2% |
| BOKF NA | $1,375,000 | $6,005,000 | 336.7% | 0.2% |
| Glacier Bank | $3,580,000 | $5,880,000 | 64.2% | 0.2% |
| TIAA, FSB | $7,745,000 | $5,880,000 | -24.1% | 0.2% |
| Morgan Stanley Private Bank NA | $2,845,000 | $5,850,000 | 105.6% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $1,000,000 | $5,710,000 | 471.0% | 0.2% |
| Define Mortgage Solutions, LLC | $3,675,000 | $5,580,000 | 51.8% | 0.2% |
| Mountain America Credit Union | $4,950,000 | $5,490,000 | 10.9% | 0.2% |
| WEI Mortgage LLC | $1,025,000 | $5,485,000 | 435.1% | 0.2% |
| BMO Harris Bank N.A. | $1,240,000 | $5,430,000 | 337.9% | 0.2% |
| Nations Lending Corporation | $3,030,000 | $5,190,000 | 71.3% | 0.2% |
| Citibank, N.A. | $385,000 | $5,040,000 | 1,209.1% | 0.2% |
| Sunflower Bank, N.A. | $1,910,000 | $4,995,000 | 161.5% | 0.2% |
| KS StateBank | $1,480,000 | $4,975,000 | 236.1% | 0.2% |
| Axos Bank | $1,855,000 | $4,810,000 | 159.3% | 0.2% |
| American Financial Resources Inc. | $2,540,000 | $4,745,000 | 86.8% | 0.2% |
| Draper and Kramer Mortgage Corp. | $4,505,000 | n/a | 0.2% | |
| NBKC Bank | $1,875,000 | $4,480,000 | 138.9% | 0.2% |
| Wyndham Capital Mortgage | $2,520,000 | $4,395,000 | 74.4% | 0.2% |
| FBC Mortgage LLC | $810,000 | $4,355,000 | 437.7% | 0.2% |
| JOHNSON BANK | $2,795,000 | $4,300,000 | 53.8% | 0.2% |
| Sun American Mortgage Company | $1,800,000 | $4,005,000 | 122.5% | 0.2% |
| CARRINGTON MORTGAGE SERVICES | $2,910,000 | $3,955,000 | 35.9% | 0.1% |
| Interactive Mortgage | $735,000 | $3,850,000 | 423.8% | 0.1% |
| Paramount Residential Mortgage Group Inc. | $6,885,000 | $3,775,000 | -45.2% | 0.1% |
| LeaderOne Financial Corp. | $2,440,000 | $3,620,000 | 48.4% | 0.1% |
| Intercontinental Capital Group, Inc. | $1,305,000 | $3,595,000 | 175.5% | 0.1% |
| Clearpath Lending | $1,000,000 | $3,575,000 | 257.5% | 0.1% |
| Watermark Home Loans | $1,900,000 | $3,490,000 | 83.7% | 0.1% |
| Equitable Home Mortgage Inc | $765,000 | $3,350,000 | 337.9% | 0.1% |
| TruWest Credit Union | $2,165,000 | $3,345,000 | 54.5% | 0.1% |
| Charles Schwab Bank | $2,345,000 | $3,335,000 | 42.2% | 0.1% |
| LoanPal | $2,005,000 | $3,200,000 | 59.6% | 0.1% |
| PNC BANK NA | $3,365,000 | $3,190,000 | -5.2% | 0.1% |
| American Pacific Mortgage Corporation | $3,715,000 | $3,155,000 | -15.1% | 0.1% |
| AimLoan.com | $1,105,000 | $3,125,000 | 182.8% | 0.1% |
| Supreme Lending/ Everett Financial Inc. | $1,715,000 | $3,110,000 | 81.3% | 0.1% |
| Bankers Trust Company | $505,000 | $3,070,000 | 507.9% | 0.1% |
| Sierra Pacific Mortgage | $2,615,000 | $3,005,000 | 14.9% | 0.1% |
| Synergy One Lending | $1,440,000 | $2,995,000 | 108.0% | 0.1% |
| TCF National Bank | $2,855,000 | $2,910,000 | 1.9% | 0.1% |
| UBS Bank USA | $2,140,000 | $2,910,000 | 36.0% | 0.1% |
| BANK OF THE WEST | $3,095,000 | $2,880,000 | -6.9% | 0.1% |
| Axia Financial LLC | $3,180,000 | $2,850,000 | -10.4% | 0.1% |
| Summit Funding Inc. | $2,420,000 | $2,835,000 | 17.1% | 0.1% |
| Ark-La-Tex Financial Services LLC | $185,000 | $2,830,000 | 1,429.7% | 0.1% |
| DAS Acquisition Company, LLC | $2,820,000 | n/a | 0.1% | |
| Waterstone Mortgage Corp | $2,755,000 | n/a | 0.1% | |
| City National Bank | $3,200,000 | $2,720,000 | -15.0% | 0.1% |
| Mid America Mortgage Inc. | $930,000 | $2,695,000 | 189.8% | 0.1% |
| Guaranteed Rate Affinity LLC | $1,020,000 | $2,655,000 | 160.3% | 0.1% |
| Hilton Financial Corporation | $2,650,000 | n/a | 0.1% | |
| Pentagon Federal Credit Union | $360,000 | $2,575,000 | 615.3% | 0.1% |
| American Financing Corporation | $225,000 | $2,565,000 | 1,040.0% | 0.1% |
| First International Bank & Trust | $2,975,000 | $2,440,000 | -18.0% | 0.1% |
| Citywide Home Loans A Utah Corporation | $1,300,000 | $2,425,000 | 86.5% | 0.1% |
| Sovereign Lending Group, Inc | $1,485,000 | $2,420,000 | 63.0% | 0.1% |
| Union Home Mortgage Company | $2,495,000 | $2,405,000 | -3.6% | 0.1% |
| FineMark National Bank & Trust | $715,000 | $2,365,000 | 230.8% | 0.1% |
| North American Savings Bank | $2,300,000 | $2,255,000 | -2.0% | 0.1% |
| Michigan Mutual, Inc. DBA MiMutual Mortgage | $1,150,000 | $2,200,000 | 91.3% | 0.1% |
| Planet Home Lending LLC | $2,180,000 | n/a | 0.1% | |
| Churchill Mortgage Corporation | $1,595,000 | $2,165,000 | 35.7% | 0.1% |
| Colonial Savings | $2,160,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $2,100,000 | n/a | 0.1% | |
| Nexera Holding LLC | $2,045,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $470,000 | $1,990,000 | 323.4% | 0.1% |
| Envoy Mortgage Ltd. | $315,000 | $1,975,000 | 527.0% | 0.1% |
| CBNA | $1,725,000 | $1,970,000 | 14.2% | 0.1% |
| Village Capital & Investment | $805,000 | $1,955,000 | 142.9% | 0.1% |
| Desert Financial Federal CU | $475,000 | $1,950,000 | 310.5% | 0.1% |
| SPRING EQ, LLC | $290,000 | $1,940,000 | 569.0% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $1,260,000 | $1,930,000 | 53.2% | 0.1% |
| American Bank of the North | $1,910,000 | n/a | 0.1% | |
| Bank of England | $135,000 | $1,905,000 | 1,311.1% | 0.1% |
| Lend Smart Mortgage | $315,000 | $1,900,000 | 503.2% | 0.1% |
| Plaza Home Mortgage Inc. | $1,205,000 | $1,870,000 | 55.2% | 0.1% |
| Northpointe Bank | $1,440,000 | $1,860,000 | 29.2% | 0.1% |
| Washington Federal | $1,460,000 | $1,850,000 | 26.7% | 0.1% |
| ALERUS FINANCIAL NA | $995,000 | $1,815,000 | 82.4% | 0.1% |
| Neighborhood Loans | $1,800,000 | n/a | 0.1% | |
| NewDay Financial LLC dba NewDay USA | $965,000 | $1,795,000 | 86.0% | 0.1% |
| 21ST MORTGAGE | $1,655,000 | $1,765,000 | 6.6% | 0.1% |
| Cherry Creek Mortgage Co. Inc. | $1,385,000 | $1,720,000 | 24.2% | 0.1% |
| Plains Commerce Bank | $1,715,000 | n/a | 0.1% | |
| The Northern Trust Company | $510,000 | $1,705,000 | 234.3% | 0.1% |
| AmeriHomeMortgageCompany,LL | $580,000 | $1,685,000 | 190.5% | 0.1% |
| FIRST FIDELITY BANK | $1,210,000 | $1,655,000 | 36.8% | 0.1% |
| First Guaranty Mortgage Corporation | $1,545,000 | $1,625,000 | 5.2% | 0.1% |
| Premia Mortgage, LLC | $1,075,000 | $1,620,000 | 50.7% | 0.1% |
| Ladera Lending, Inc. | $670,000 | $1,615,000 | 141.0% | 0.1% |
| Alliant Credit Union | $1,065,000 | $1,595,000 | 49.8% | 0.1% |
| FirstBank | $735,000 | $1,575,000 | 114.3% | 0.1% |
| Barrington Bank & Trust | $1,015,000 | $1,455,000 | 43.3% | 0.1% |
| FirstBank | $735,000 | $1,450,000 | 97.3% | 0.1% |
| Ethos Lending LLC | $1,370,000 | n/a | 0.1% | |
| SoFi Lending Corp | $1,280,000 | $1,365,000 | 6.6% | 0.1% |
| Network Capital Funding Corporation | $1,190,000 | $1,360,000 | 14.3% | 0.1% |
| Alaska USA Federal Credit Union | $610,000 | $1,325,000 | 117.2% | 0.1% |
| Magnolia Bank Incorporated | $185,000 | $1,310,000 | 608.1% | 0.0% |
| AAG | $655,000 | $1,305,000 | 99.2% | 0.0% |
| Lakeview Community Capital, LLC | $1,290,000 | n/a | 0.0% | |
| Canyon StateCredit Union | $730,000 | $1,270,000 | 74.0% | 0.0% |
| Low VA Rates | $725,000 | $1,270,000 | 75.2% | 0.0% |
| First Choice Loan Services Inc. | $2,460,000 | $1,250,000 | -49.2% | 0.0% |
| Hometown Lenders LLC | $840,000 | $1,240,000 | 47.6% | 0.0% |
| Gold Star Mortgage Financial Group, Corporation | $985,000 | $1,210,000 | 22.8% | 0.0% |
| America First Federal Credit Union | $1,375,000 | $1,205,000 | -12.4% | 0.0% |
| Prime Choice Funding, Inc. | $600,000 | $1,180,000 | 96.7% | 0.0% |
| Ideal Home Loans LLC | $1,160,000 | n/a | 0.0% | |
| Cf Bank National Association | $435,000 | $1,135,000 | 160.9% | 0.0% |
| Homestead Funding Corp. | $1,130,000 | n/a | 0.0% | |
| ARVEST BANK | $725,000 | $1,055,000 | 45.5% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC | $1,160,000 | $1,055,000 | -9.1% | 0.0% |
| Finance of America Reverse LLC | $1,000,000 | $1,010,000 | 1.0% | 0.0% |
| Goldman Sachs Bank USA | $2,100,000 | $1,005,000 | -52.1% | 0.0% |
| Nations Reliable Lending, LLC | $995,000 | n/a | 0.0% | |
| PHH MORTGAGE CORPORATION | $310,000 | $990,000 | 219.4% | 0.0% |
| Commerce Home Mortgage Inc. | $765,000 | $955,000 | 24.8% | 0.0% |
| Bank of Colorado | $940,000 | n/a | 0.0% | |
| Prosperity Home Mortgage LLC | $935,000 | n/a | 0.0% | |
| First National Bank Texas | $385,000 | $915,000 | 137.7% | 0.0% |
| Greenbox Loans Inc. | $905,000 | n/a | 0.0% | |
| Embrace Home Loans, Inc. | $885,000 | n/a | 0.0% | |
| Mortgage Lenders of America LLC | $885,000 | n/a | 0.0% | |
| top flite financial, inc. | $1,285,000 | $885,000 | -31.1% | 0.0% |
| Mann Mortgage LLC | $880,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $835,000 | n/a | 0.0% | |
| Logix Federal Credit Union | $830,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $820,000 | n/a | 0.0% | |
| BNC NATIONAL BANK | $935,000 | $810,000 | -13.4% | 0.0% |
| Carrollton Bank | $810,000 | n/a | 0.0% | |
| Arizona Federal Credit Union | $90,000 | $795,000 | 783.3% | 0.0% |
| CITY 1ST MORTGAGE SERVICES, LC | $415,000 | $780,000 | 88.0% | 0.0% |
| First Centennial Mortgage Corp. | $365,000 | $775,000 | 112.3% | 0.0% |
| ANGEL OAK HOME LOANS LLC | $755,000 | n/a | 0.0% | |
| NationsChoice Mortgage | $470,000 | $710,000 | 51.1% | 0.0% |
| First Technology Credit Union | $550,000 | $700,000 | 27.3% | 0.0% |
| First Credit Union | $95,000 | $695,000 | 631.6% | 0.0% |
| Midwest Equity Mortgage LLC | $265,000 | $695,000 | 162.3% | 0.0% |
| Credit Union West | $85,000 | $680,000 | 700.0% | 0.0% |
| Inland Bank and Trust | $750,000 | $680,000 | -9.3% | 0.0% |
| Firefighters First Credit Union | $130,000 | $670,000 | 415.4% | 0.0% |
| First Home Bank | $185,000 | $665,000 | 259.5% | 0.0% |
| Intercap Lending Inc | $665,000 | n/a | 0.0% | |
| Hometown Equity Mortgage LLC | $415,000 | $660,000 | 59.0% | 0.0% |
| Land Home Financial Services Inc. | $315,000 | $645,000 | 104.8% | 0.0% |
| LendSure Mortgage Corp | $1,235,000 | $645,000 | -47.8% | 0.0% |
| Cascade Financial Services | $105,000 | $640,000 | 509.5% | 0.0% |
| DIRECT MORTGAGE CORP | $640,000 | n/a | 0.0% | |
| Western State Bank | $640,000 | n/a | 0.0% | |
| Credit Human Federal Credit Union | $195,000 | $625,000 | 220.5% | 0.0% |
| LenderFi, Inc. | $620,000 | n/a | 0.0% | |
| IBERIABANK | $605,000 | n/a | 0.0% | |
| NuVision Federal Credit Union | $850,000 | $550,000 | -35.3% | 0.0% |
| JMAC Lending Incorporated | $770,000 | $540,000 | -29.9% | 0.0% |
| Advancial Federal Credit Union | $535,000 | n/a | 0.0% | |
| First Colony Mortgage Corporation | $525,000 | n/a | 0.0% | |
| PLAINSCAPITAL BANK | $525,000 | n/a | 0.0% | |
| First State Bank Of St. Charles Missouri | $720,000 | $520,000 | -27.8% | 0.0% |
| Keller Mortgage LLC | $515,000 | n/a | 0.0% | |
| The Park National Bank | $515,000 | n/a | 0.0% | |
| HighTechLending Inc. | $185,000 | $510,000 | 175.7% | 0.0% |
| AMERIS BANK | $505,000 | n/a | 0.0% | |
| Huntington National Bank | $500,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $500,000 | n/a | 0.0% | |
| First Community Mortgage Inc. | $495,000 | n/a | 0.0% | |
| Fortifi Bank | $495,000 | n/a | 0.0% | |
| Meridian Bank | $495,000 | n/a | 0.0% | |
| Think Mutual Bank | $260,000 | $495,000 | 90.4% | 0.0% |
| American Mortgage Bank | $485,000 | $485,000 | 0.0% | 0.0% |
| LendUS LLC dba RPM Mortgage | $175,000 | $480,000 | 174.3% | 0.0% |
| Megastar Financial Corporation | $320,000 | $480,000 | 50.0% | 0.0% |
| Quorum Federal Credit Union | $600,000 | $465,000 | -22.5% | 0.0% |
| State Bank of Southern Utah | $95,000 | $465,000 | 389.5% | 0.0% |
| Discover Bank | $405,000 | $455,000 | 12.3% | 0.0% |
| Farmers Bank & Trust | $455,000 | n/a | 0.0% | |
| AmWest Funding Corp. | $445,000 | n/a | 0.0% | |
| Reverse Mortgage Funding LLC | $205,000 | $445,000 | 117.1% | 0.0% |
| Crescent Mortgage Company | $435,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $435,000 | n/a | 0.0% | |
| Mountain West Financial Inc. | $345,000 | $435,000 | 26.1% | 0.0% |
| Longbridge Financial, LLC | $425,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $415,000 | n/a | 0.0% | |
| LINCOLN FEDERAL SVGS BK OF NE | $415,000 | $415,000 | 0.0% | 0.0% |
| First State Bank | $405,000 | n/a | 0.0% | |
| Lenox Financial Mortgage Corp. | $355,000 | $405,000 | 14.1% | 0.0% |
| Tri-Emerald Financial Group Inc. | $405,000 | n/a | 0.0% | |
| Bank of Whittier, Na | $395,000 | n/a | 0.0% | |
| Chicago Financial Services, In | $800,000 | $395,000 | -50.6% | 0.0% |
| BM REAL ESTATE SERVICES, INC. | $390,000 | n/a | 0.0% | |
| Charter West Bank | $385,000 | n/a | 0.0% | |
| Evergreen Moneysource Mortgage Company | $385,000 | n/a | 0.0% | |
| NBH Bank | $315,000 | $385,000 | 22.2% | 0.0% |
| GATEWAY MORTGAGE GROUP | $430,000 | $375,000 | -12.8% | 0.0% |
| Truity Credit Union | $375,000 | n/a | 0.0% | |
| COMERICA BANK | $365,000 | n/a | 0.0% | |
| Liberty Home Mortgage Corp | $155,000 | $365,000 | 135.5% | 0.0% |
| Simmons Bank | $365,000 | n/a | 0.0% | |
| Vantage West Credit Union | $595,000 | $360,000 | -39.5% | 0.0% |
| Citadel Servicing Corporation | $525,000 | $335,000 | -36.2% | 0.0% |
| Northwest Bank | $335,000 | n/a | 0.0% | |
| Oceanside Mortgage Company | $330,000 | n/a | 0.0% | |
| SWH Funding, LLC | $200,000 | $330,000 | 65.0% | 0.0% |
| A&D Mortgage LLC | $325,000 | n/a | 0.0% | |
| Cstone Mortgage Inc | $325,000 | n/a | 0.0% | |
| Parkside Lending LLC | $125,000 | $325,000 | 160.0% | 0.0% |
| Black Hills Federal Credit Union | $305,000 | $315,000 | 3.3% | 0.0% |
| Citizens Equity First Credit Union (CEFCU) | $315,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $175,000 | $315,000 | 80.0% | 0.0% |
| Credit Union Mortgage Association Inc. | $310,000 | n/a | 0.0% | |
| Clearview Federal Credit Union | $305,000 | n/a | 0.0% | |
| Towne Mortgage Company | $305,000 | n/a | 0.0% | |
| Alameda Mortgage Corporation | $295,000 | n/a | 0.0% | |
| American Neighborhood Mortgage dba AnnieMac Home Mortgage | $710,000 | $295,000 | -58.5% | 0.0% |
| E Mortgage Management LLC | $295,000 | n/a | 0.0% | |
| Victorian Finance, LLC | $295,000 | n/a | 0.0% | |
| Branch Banking And Trust Co | $285,000 | n/a | 0.0% | |
| Mortgage Solutions of Colorado LLC | $275,000 | $285,000 | 3.6% | 0.0% |
| Connexus Credit Union | $110,000 | $280,000 | 154.5% | 0.0% |
| Essex Mortgage | $450,000 | $275,000 | -38.9% | 0.0% |
| Horizon Community Bank | $385,000 | $275,000 | -28.6% | 0.0% |
| Impac Mortgage Corp. dba CashCall Mortgage | $4,285,000 | $275,000 | -93.6% | 0.0% |
| THE BANK OF MISSOURI | $275,000 | n/a | 0.0% | |
| UNITED COMMUNITY BANK | $275,000 | n/a | 0.0% | |
| Bank 2 | $125,000 | $265,000 | 112.0% | 0.0% |
| Castle & Cooke Mortgage LLC | $315,000 | $265,000 | -15.9% | 0.0% |
| Colten Mortgage | $265,000 | n/a | 0.0% | |
| Inwood National Bank | $255,000 | n/a | 0.0% | |
| Liberty Home Equity Solutions, Inc. | $255,000 | n/a | 0.0% | |
| Nudge Funding LLC | $255,000 | n/a | 0.0% | |
| iServe Residential Lending LLC | $245,000 | n/a | 0.0% | |
| Meadowbrook Financial Mortgage | $245,000 | n/a | 0.0% | |
| Pima Federal Credit Union | $700,000 | $245,000 | -65.0% | 0.0% |
| Access Bank | $235,000 | n/a | 0.0% | |
| Baxter Credit Union | $235,000 | n/a | 0.0% | |
| NRL Federal Credit Union | $235,000 | n/a | 0.0% | |
| Delta Community Credit Union | $225,000 | n/a | 0.0% | |
| FIRST BANK & TRUST | $225,000 | n/a | 0.0% | |
| Insight Credit Union | $225,000 | n/a | 0.0% | |
| Nations Direct Mortgage LLC | $225,000 | n/a | 0.0% | |
| Open Mortgage LLC | $225,000 | n/a | 0.0% | |
| Capital Mortgage Services of Texas | $215,000 | n/a | 0.0% | |
| The Anderson Financial Group Inc | $215,000 | $215,000 | 0.0% | 0.0% |
| Utah Power Credit Union | $35,000 | $215,000 | 514.3% | 0.0% |
| Consumers Credit Union | $205,000 | n/a | 0.0% | |
| Merchants Bank of Indiana | $205,000 | n/a | 0.0% | |
| Sirva Mortgage Inc. | $205,000 | n/a | 0.0% | |
| Angel Oak Mortgage Solutions | $530,000 | $185,000 | -65.1% | 0.0% |
| CountryPlace Mortgage Ltd. | $470,000 | $185,000 | -60.6% | 0.0% |
| Southwest Airlines Federal Credit Union | $185,000 | n/a | 0.0% | |
| Franklin Loan Center | $175,000 | n/a | 0.0% | |
| Hunt Mortgage Corporation | $175,000 | n/a | 0.0% | |
| Paramount Bank | $680,000 | $175,000 | -74.3% | 0.0% |
| METROPOLITAN HOME MORTGAGE | $165,000 | n/a | 0.0% | |
| RANLife, Inc. | $225,000 | $155,000 | -31.1% | 0.0% |
| Meriwest Mortgage Co. LLC | $555,000 | $145,000 | -73.9% | 0.0% |
| Residential Wholesale Mortgage | $145,000 | n/a | 0.0% | |
| Royal United Mortgage LLC | $135,000 | n/a | 0.0% | |
| FedEx Employees Credit Association | $125,000 | n/a | 0.0% | |
| M&T Bank | $125,000 | n/a | 0.0% | |
| AUSTIN CAPITAL BANK SSB | $115,000 | n/a | 0.0% | |
| Cache Valley Bank | $115,000 | n/a | 0.0% | |
| Home Loan Investment Bank | $40,000 | $50,000 | 25.0% | 0.0% |
| Advantis Credit Union | $25,000 | n/a | 0.0% |
FLAGSTAFF's top lender by overall market share is Quicken Loans, with 7.9% market share. In second place, with 6.4%, is United Shore Financial Services LLC, having originated $170,050,000 in loans. In third place, with 6.1%, is PRIMELENDING, having originated $161,025,000 in loans. In third place, with 4.7%, is FAIRWAY INDEPENDENT MORT CORP, having originated $125,205,000 in loans. In third place, with 3.5%, is Sunstreet Mortgage LLC, having originated $93,260,000 in loans.
FLAGSTAFF, AZ Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 4,287 | $1,309,715,000 | $305,509 |
| Home Purchase | 2,579 | $932,365,000 | $361,522 |
| Cash Out Refi | 1,155 | $326,795,000 | $282,939 |
| Home Improvement | 176 | $27,630,000 | $156,989 |
| Other | 168 | $41,190,000 | $245,179 |
Flagstaff's most frequently cited loan purpose was Refi, with 4,287 originations. The 2nd most popular reason was Home Purchase, with 2,579 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 3,745 | $1,194,565,000 | $318,976 |
| 2.5-3% | 3,153 | $1,023,455,000 | $324,597 |
| <2.5% | 808 | $238,620,000 | $295,322 |
| 4-5% | 447 | $109,305,000 | $244,530 |
| 5-6% | 103 | $21,495,000 | $208,689 |
| 6-7% | 32 | $4,450,000 | $139,063 |
| Over 8% | 32 | $5,010,000 | $156,563 |
| 7-8% | 22 | $2,520,000 | $114,545 |
During 2020, Flagstaff's most frequently originated rate bucket was 3-4%, with 3,745 originations.
Loan Sizing (FLAGSTAFF, AZ MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 5,060 | $1,474,700,000 | $291,443 |
| $100k-200k | 1,501 | $239,065,000 | $159,270 |
| $400k-600k | 1,291 | $599,815,000 | $464,613 |
| $100,000 or less | 278 | $16,360,000 | $58,849 |
| $600k-1000k | 175 | $130,265,000 | $744,371 |
| $Over $1MM | 60 | $177,490,000 | $2,958,167 |
FLAGSTAFF's loan sizing saw the bucket of loans from $200k-400k with 5,060 originations, totaling $1,474,700,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 3,311 | $1,170,945,000 | $353,653 |
| 80-100% | 2,275 | $781,685,000 | $343,598 |
| 40-60% | 1,664 | $447,440,000 | $268,894 |
| 20-40% | 520 | $98,080,000 | $188,615 |
| Under 20% | 205 | $14,165,000 | $69,098 |
| Over 100% | 66 | $24,440,000 | $370,303 |
FLAGSTAFF's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 3,311 originations, totaling $1,170,945,000 in origination value.