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.).

Name # of Loans 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
Wallick & Volk, Inc. 549 3.26% $4,430
UNITED WHOLESALE MORTGAGE, LLC 398 3.03% $4,400
QUICKEN LOANS, LLC 393 3.21% $4,895
PRIMELENDING, A PLAINSCAPITAL COMPANY 374 3.60% $5,977
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 297 3.34% $4,540
SUNSTREET MORTGAGE, LLC 202 3.11% $3,132
LHM FINANCIAL CORPORATION 179 3.30% $4,228
NOVA FINANCIAL & INVESTMENT CORPORATION 169 3.22% $3,056
MORIA DEVELOPMENT, INC. 132 3.44% $5,661
ACADEMY MORTGAGE CORPORATION 132 3.50% $6,124
Wells Fargo Bank, National Association 97 3.31% $3,749
LOANDEPOT.COM, LLC 94 3.24% $4,704
OneAZ Credit Union 87 3.40% $2,705
JPMorgan Chase Bank, National Association 80 3.25% $4,339
V.I.P. MORTGAGE, INC. 68 3.12% $4,181
STARBOARD FINANCIAL MANAGEMENT, LLC 67 3.45% $3,474
FINANCE OF AMERICA MORTGAGE LLC 58 3.36% $4,052
GUILD MORTGAGE COMPANY 54 3.30% $4,659
Flagstar Bank, FSB 47 3.34% $3,612
ARIZONA CENTRAL 47 2.92% $3,360
U.S. Bank National Association 42 3.20% $4,332
BETTER MORTGAGE CORPORATION 42 3.04% $2,834
Bank of America, National Association 41 3.18% $4,357
HOMEOWNERS FINANCIAL GROUP USA, LLC 40 3.41% $3,682
Loan Simple, Inc. 38 3.23% $4,580
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 38 3.09% $4,623
AMERICAN FINANCIAL NETWORK, INC. 36 3.18% $4,977
ON Q FINANCIAL, INC. 35 3.51% $4,660
AMERISAVE MORTGAGE CORPORATION 34 2.90% $3,926
CALIBER HOME LOANS, INC. 34 3.29% $4,652
Amerifirst Financial, Inc. 34 3.17% $3,293
NATIONSTAR MORTGAGE LLC 26 3.26% $5,132
GENEVA FINANCIAL, LLC 25 3.32% $5,621
PENNYMAC LOAN SERVICES, LLC 25 3.09% $5,008
BROKER SOLUTIONS, INC. 23 3.32% $4,203
BBVA USA 23 3.41% $5,393
PRIMARY RESIDENTIAL MORTGAGE, INC. 23 3.10% $4,053
HOME POINT FINANCIAL CORPORATION 22 3.12% $4,570
FREEDOM MORTGAGE CORPORATION 22 3.33% $2,065
NEWREZ LLC 22 3.28% $4,169
BAY EQUITY LLC 21 3.32% $4,510
Zions Bancorporation, N.A. 21 3.51% $3,163
PROVIDENT FUNDING ASSOCIATES, L.P. 20 3.21% $2,865
CROSSCOUNTRY MORTGAGE, LLC 20 3.09% $4,615
STEARNS LENDING, LLC 19 3.26% $3,550
HOMEBRIDGE FINANCIAL SERVICES, INC. 18 3.01% $4,657
SUBURBAN MORTGAGE, INC. 18 3.10% $3,524
NFM, INC. 18 2.97% $4,758
DEFINE MORTGAGE SOLUTIONS, LLC 18 3.34% $5,342
SUN WEST MORTGAGE COMPANY, INC. 17 3.05% $1,402
GUARANTEED RATE, INC. 16 3.29% $4,559
SECURITYNATIONAL MORTGAGE COMPANY 16 3.30% $4,040
USAA Federal Savings Bank 15 3.52% $4,339
Bell Bank 15 3.23% $3,327
Sunflower Bank, National Association 14 3.31% $4,906
ARC HOME LLC 14 3.24% $4,269
BOKF, National Association 13 3.34% $3,760
MidFirst Bank 13 3.14% $4,908
FBC MORTGAGE, LLC 13 3.52% $5,137
LEADERONE FINANCIAL CORPORATION 12 3.00% $2,885
MOVEMENT MORTGAGE, LLC 12 3.04% $4,467
Nations Lending Corporation 12 3.27% $8,674
CMG MORTGAGE, INC. 12 3.30% $6,071
NAVY FEDERAL CREDIT UNION 11 4.03% $5,410
DRAPER AND KRAMER MORTGAGE CORP. 11 2.97% $3,690
TIAA, FSB 10 3.34% $5,318
Paramount Residential Mortgage Group, Inc. 10 3.26% $5,208
MUTUAL OF OMAHA MORTGAGE, INC. 9 3.25% $4,247
AMERICAN PACIFIC MORTGAGE CORPORATION 9 3.32% $4,538
UMB Bank, National Association 9 3.16% $4,661
Morgan Stanley Private Bank, National Association 8 2.96% $5,293
Watermark Capital, Inc. 8 2.81% $3,075
UNION HOME MORTGAGE CORP. 8 3.78% $3,893
Axos Bank 8 3.14% $2,263
SUMMIT FUNDING, INC. 8 2.91% $7,455
Sierra Pacific Mortgage Company, Inc. 8 3.31% $3,042
NBKC BANK 8 3.20% $1,847
WINNPOINTE CORPORATION 7 3.48% $973
SUN AMERICAN MORTGAGE COMPANY 7 3.20% $3,377
Waterstone Mortgage Corporation 7 3.23% $7,813
MOUNTAIN AMERICA 7 3.07% $4,866
The Federal Savings Bank 7 3.63% $8,244
Strong Home Mortgage, LLC 7 3.25% $1,625
Wyndham Capital Mortgage, Inc. 7 3.00% $1,581
Glacier Bank 7 3.00% $4,459
GUARANTEED RATE AFFINITY, LLC 7 3.37% $5,542
EQUITABLE HOME MORTGAGE, INC. 6 4.00% $8,217
Stifel Bank and Trust 6 2.85% $2,717
Johnson Bank 6 3.15% $7,863
InterContinental Capital Group, Inc 6 3.48% $5,277
Hometown Lenders, Inc. 6 2.90% $3,671
AMERICAN FINANCIAL RESOURCES, INC. 6 3.48% $4,472
GSF Mortgage Corporation 6 3.02% $3,372
DAS Acquisition Company, LLC 6 3.39% $4,222
Colonial Savings, F.A. 6 3.10% $2,662
Citizens Bank, National Association 6 3.42% $3,544
LOANPAL, LLC 6 3.41% $3,211
Citibank, National Association 6 2.94% $7,730
North American Savings Bank, F.S.B. 6 3.08% $2,097
ROUNDPOINT MORTGAGE SERVICING CORPORATION 6 3.50% $1,516
BMO Harris Bank National Association 6 3.17% $3,629
CITYWIDE HOME LOANS, LLC 5 3.18% $3,639
Alerus Financial, National Association 5 2.85% $2,467
Ally Bank 5 2.98% $4,270
AXIA FINANCIAL, LLC 5 3.20% $5,375
Bank of England 5 3.28% $3,065
ENVOY MORTGAGE, LTD 5 3.35% $3,419
LADERA LENDING, INC. 5 3.38% $4,997
LAKEVIEW LOAN SERVICING, LLC 5 3.27% $1,539
Lend Smart Mortgage, LLC 5 3.30% $3,974
Neighborhood Loans, Inc. 5 3.05% $3,580
NETWORK CAPITAL FUNDING CORPORATION 5 2.98% $3,177
Northpointe Bank 5 3.48% $3,502
PLAZA HOME MORTGAGE, INC. 5 3.15% $3,932
SOFI LENDING CORP. 5 3.30% $3,607
SOVEREIGN LENDING GROUP INCORPORATED 5 3.22% $3,407
SPRING EQ, LLC 5 2.98% $2,427
Plains Commerce Bank 4 3.06% $1,868
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 4 2.75% $5,837
DIRECT MORTGAGE, CORP. 4 3.50% $11,039
The Loan Store, Inc. 4 2.97% $3,008
MICHIGAN MUTUAL, INC. 4 3.38% $4,537
PENTAGON FEDERAL CREDIT UNION 4 2.94% $2,946
City National Bank 4 3.02% $4,807
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 3.37% $4,469
Bank of the West 4 3.91% $4,027
PREMIA MORTGAGE, LLC 4 3.53% $4,499
EVERETT FINANCIAL, INC. 4 3.00% $3,154
ALTITUDE FINANCIAL CORPORATION 4 3.06% $2,596
SFMC, LP 4 3.28% $4,694
FirstBank 4 3.00% $2,141
CHERRY CREEK MORTGAGE, LLC 4 3.22% $777
KeyBank National Association 3 3.12% $4,004
PNC Bank, National Association 3 3.42% $4,139
Prime Choice Funding Inc. 3 3.17% $2,085
Carrington Mortgage Services, LLC 3 3.54% $5,832
KS StateBank 3 3.29% $2,437
HOMESTEAD FUNDING CORP. 3 2.63% $3,052
CORNERSTONE HOME LENDING, INC. 3 2.99% $6,266
First Credit Union 3 3.00% $2,606
State Bank of Southern Utah 3 3.21% $3,885
Bankers Trust Company 3 2.75% $4,117
Arvest Bank 3 3.50% $3,317
FirstBank 3 3.38% $5,868
EMBRACE HOME LOANS, INC. 3 3.33% $4,679
The Northern Trust Company 3 3.33% $3,813
FIRST CHOICE LOAN SERVICES INC. 3 3.71% $2,429
NEXERA HOLDING LLC 3 3.75% $15,909
CHURCHILL MORTGAGE CORPORATION 3 3.12% $5,074
TRUWEST Credit Union 3 3.17% $4,228
UBS Bank USA 3 2.88% $4,000
FIRST CENTENNIAL MORTGAGE CORPORATION 3 3.25% $4,874
AMERICAN INTERNET MORTGAGE, INC. 3 3.25% $3,084
AMERICAN FINANCING CORPORATION 3 3.33% $4,890
Charles Schwab Bank, SSB 3 3.16% $6,349
Cf Bank, National Association 3 3.29% $1,225
First National Bank Texas 3 3.04% $3,276
First International Bank & Trust 3 4.21% $9,467
AMERICA FIRST 2 2.94% $5,216
ZILLOW HOME LOANS, LLC 2 2.94% $3,594
S1L, Inc. 2 3.25% $3,897
CELEBRITY HOME LOANS, LLC 2 3.50% $4,008
Canyon State Credit Union 2 3.00% $2,552
Western State Bank 2 2.69% $2,702
Carrollton Bank 2 3.44% $2,236
LOGIX FEDERAL CREDIT UNION 2 3.18% $4,092
MEGASTAR FINANCIAL CORP. 2 3.19% $3,579
Bank of Colorado 2 3.19% $7,170
NuVision Federal Credit Union 2 3.63% $3,758
LAND HOME FINANCIAL SERVICES, INC. 2 4.06% $2,779
LENDUS, LLC 2 3.75% $4,392
Commerce Home Mortgage, Inc. 2 2.87% $4,663
First Home Bank 2 2.81% $8,470
IDEAL HOME LOANS LLC 2 3.00% $3,661
Barrington Bank & Trust Company, N.A. 2 3.06% $3,689
Firefighters First Federal Credit Union 2 3.25% $1,560
The Huntington National Bank 2 3.34% $3,855
LENDERFI, INC. 2 2.75% $1,089
MANN FINANCIAL INC. 2 3.50% $7,986
DEEPHAVEN MORTGAGE LLC 2 6.44% $8,878
JMAC LENDING, INC. 2 3.99% $3,099
AmeriHome Mortgage Company, LLC 2 4.18% $3,272
TJC Mortgage, Inc. 2 2.88% $1,493
TOP FLITE FINANCIAL, INC. 2 3.31% $5,247
American Mortgage Bank, LLC 1 3.50% $2,810
United Community Bank 1 2.45% $3,948
AMERICAN HERITAGE LENDING, INC. 1 2.88% $1,790
USAlliance Federal Credit Union 1 3.25% $4,635
Utah Power 1 4.50% $3,665
VANTAGE WEST 1 3.25% $2,796
Victorian Finance, LLC 1 2.75% $3,804
FIRST TECHNOLOGY 1 3.63% $3,706
First State Bank of St. Charles, Missouri 1 2.75% $2,407
Franklin Loan Corporation 1 2.63% $2,684
Goldman Sachs Bank USA 1 2.75% $3,046
Greenbox Loans, Inc. 1 6.00% $33,864
First Federal Bank 1 3.25% $3,765
First Guaranty Mortgage Corporation 1 2.88% $1,815
FIRST COLONY MORTGAGE CORPORATION 1 4.00% $3,686
HighTechLending Inc 1 3.00% $2,570
Hometown Equity Mortgage, LLC 1 2.63% $3,182
HUNT MORTGAGE CORPORATION 1 2.63% $2,208
Iberiabank 1 3.00% $61,078
INLAND BANK & TRUST 1 3.88% $4,636
INSIGHT 1 3.88% $6,223
INTELLILOAN, INC. 1 3.00% $2,020
INTERCAP LENDING INC. 1 2.50% $3,776
ISERVE RESIDENTIAL LENDING, LLC 1 3.25% $2,494
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 2.99% $5,262
KELLER MORTGAGE, LLC 1 3.00% $4,506
Washington Federal Bank, National Association 1 3.63% $4,074
EMM LOANS LLC 1 3.25% $10,454
Alaska USA Federal Credit Union 1 3.00% $1,729
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.25% $2,757
LIBERTY HOME MORTGAGE CORPORATION 1 2.99% $4,785
Discover Bank 1 3.99% $0
LOANFLIGHT LENDING, LLC 1 2.75% $1,794
DELTA COMMUNITY CREDIT UNION 1 3.75% $4,226
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 3.00% $5,578
MEGA CAPITAL FUNDING, INC. 1 3.38% $3,137
MERIWEST MORTGAGE COMPANY, LLC 1 3.25% $2,340
CRESCENT MORTGAGE COMPANY 1 3.25% $2,458
CREDIT UNION WEST 1 2.75% $5,372
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.63% $4,582
MOUNTAIN WEST FINANCIAL, INC. 1 3.13% $9,603
COUNTRYPLACE MORTGAGE, LTD. 1 3.50% $6,257
NATIONS DIRECT MORTGAGE, LLC 1 3.50% $966
Cornerstone First Mortgage, Inc 1 3.50% $2,605
NATIONS RELIABLE LENDING, LLC 1 3.88% $10,052
Colten Mortgage, LLC 1 3.38% $2,820
NBH Bank 1 2.63% $4,567
ALAMEDA MORTGAGE CORPORATION 1 3.00% $3,723
AHL FUNDING 1 2.75% $4,614
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 2.88% $2,865
Citadel Servicing Corporation 1 4.38% $11,039
Northwest Bank 1 3.00% $5,950
Chicago Financial Services, Inc. 1 2.99% $0
Pacific Lending LLC 1 3.38% $3,309
PARKSIDE LENDING, LLC 1 2.99% $9,992
PIMA Federal Credit Union 1 3.75% $1,981
PLANET HOME LENDING, LLC 1 3.63% $958
ADVANCIAL 1 4.25% $6,495
CASTLE & COOKE MORTGAGE, LLC 1 3.63% $6,140
Prosperity Home Mortgage, LLC 1 3.50% $4,449
CANOPY MORTGAGE, LLC 1 3.38% $2,690
BNC National Bank 1 3.00% $4,253
BLACK HILLS FEDERAL CREDIT UNION 1 2.63% $5,917
Simmons Bank 1 3.38% $3,875
A&D Mortgage LLC 1 3.00% $1,842
Southwest Airlines Federal Credit Union 1 2.88% $4,758
Access Bank 1 2.63% $2,285
Baxter Credit Union 1 3.63% $2,913
Bank of Whittier, National Association 1 2.80% $2,409
ARIZONA 1 2.75% $4,581
ANGEL OAK HOME LOANS LLC 1 2.99% $7,159
TCF National Bank 1 3.38% $3,338
THE ANDERSON FINANCIAL GROUP, INC. 1 3.25% $2,976
Ameris Bank 1 3.13% $3,122
The Park National Bank 1 2.75% $3,285
Think Mutual Bank 1 2.88% $3,772
TOWNE MORTGAGE COMPANY 1 2.50% $6,504
TRI-EMERALD FINANCIAL GROUP, INC. 1 3.00% $2,049
Truity Federal Credit Union 1 2.75% $3,163
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.25% $5,458

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.