FLAGSTAFF Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Flagstaff averaged
7.28%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.34% and
one month ago for the week of 2026-10-01, the
average rate was 7.48%.
Flagstaff's average rate one year ago was 6.57%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.63%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Flagstaff 30 Year Fixed Rate | 2026-11-05 | 7.28% |
| Flagstaff 30 Year Fixed Rate Refi | 2026-11-05 | 7.63% |
| Flagstaff 15 Year Fixed Rate | 2026-11-05 | 6.47% |
| Flagstaff 15 Year Fixed Rate Refi | 2026-11-05 | 6.67% |
| Flagstaff 30 Year FHA | 2026-11-05 | 6.82% |
| Flagstaff 30 Year FHA Refi | 2026-11-05 | 6.83% |
| Flagstaff 30 Year USDA | 2026-11-05 | 6.8% |
| Flagstaff 30 Year USDA Refi | 2026-11-05 | 7.2% |
| Flagstaff 30 Year VA | 2026-11-05 | 7.1% |
| Flagstaff 30 Year VA Refi | 2026-11-05 | 6.56% |
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 lender, 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 Average Closing Costs & Other Stats
FLAGSTAFF, AZ's 153 lenders originated 2,905
loans during 2025. The total origination value was $1,358,575,000, with an average loan value of
$467,668.
FLAGSTAFF's average closing costs are $6,331.
The top FLAGSTAFF lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
194 loans originated. Their average total fees are
$7,644, which is $182
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee FLAGSTAFF lenders (with over 10 loans originated) are
NOVA FINANCIAL & INVESTMENT CORPORATION ($4,772), JPMorgan Chase Bank ($5,010), Morgan Stanley Private Bank ($5,412), OneAZ Credit Union ($5,662) and ARK-LA-TEX FINANCIAL SERVICES, LLC. ($5,819).
The lowest rate FLAGSTAFF lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.78%), Bank of America (6.22%), OneAZ Credit Union (6.26%), JPMorgan Chase Bank (6.27%) and U.S. Bank (6.38%).
FLAGSTAFF, AZ Mortgage 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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $115,850,000 | $159,795,000 | 37.9% | 11.8% |
| JPMorgan Chase Bank | $13,345,000 | $118,830,000 | 790.4% | 8.7% |
| QUICKEN LOANS, LLC | $111,455,000 | $76,615,000 | -31.3% | 5.6% |
| GUILD MORTGAGE COMPANY | $24,150,000 | $54,665,000 | 126.4% | 4.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $48,725,000 | $44,615,000 | -8.4% | 3.3% |
| OneAZ Credit Union | $28,950,000 | $41,705,000 | 44.1% | 3.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $28,715,000 | $40,210,000 | 40.0% | 3.0% |
| INTERCAP LENDING INC. | $28,815,000 | $36,410,000 | 26.4% | 2.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $17,090,000 | $32,240,000 | 88.6% | 2.4% |
| PENNYMAC LOAN SERVICES, LLC | $17,640,000 | $27,960,000 | 58.5% | 2.1% |
| Morgan Stanley Private Bank | $12,100,000 | $24,690,000 | 104.0% | 1.8% |
| The Loan Store, Inc. | $11,610,000 | $23,250,000 | 100.3% | 1.7% |
| CMG MORTGAGE, INC. | $8,200,000 | $23,090,000 | 181.6% | 1.7% |
| MidFirst Bank | $3,585,000 | $21,580,000 | 502.0% | 1.6% |
| U.S. Bank | $18,565,000 | $20,785,000 | 12.0% | 1.5% |
| V.I.P. MORTGAGE, INC. | $24,830,000 | $20,360,000 | -18.0% | 1.5% |
| Zions Bank | $25,215,000 | $20,320,000 | -19.4% | 1.5% |
| DESERT FINANCIAL FEDERAL CREDIT UNION | $11,635,000 | $18,940,000 | 62.8% | 1.4% |
| MORIA DEVELOPMENT, INC. | $14,680,000 | $15,115,000 | 3.0% | 1.1% |
| GUARANTEED RATE, INC. | $6,245,000 | $14,760,000 | 136.3% | 1.1% |
| NEWREZ LLC | $4,105,000 | $14,265,000 | 247.5% | 1.0% |
| Glacier Bank | $2,790,000 | $13,390,000 | 379.9% | 1.0% |
| BMO Harris Bank | $9,640,000 | $13,050,000 | 35.4% | 1.0% |
| Bank of America | $13,620,000 | $12,405,000 | -8.9% | 0.9% |
| UBS Bank USA | $2,770,000 | $10,450,000 | 277.3% | 0.8% |
| Mortgage Research Center, LLC | $9,870,000 | $9,575,000 | -3.0% | 0.7% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $9,400,000 | $9,490,000 | 1.0% | 0.7% |
| ARIZONA | $3,975,000 | $7,975,000 | 100.6% | 0.6% |
| Bell Bank | $8,395,000 | $7,825,000 | -6.8% | 0.6% |
| Sunflower Bank | $2,195,000 | $7,700,000 | 250.8% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,455,000 | $7,080,000 | 104.9% | 0.5% |
| OAKTREE FUNDING CORP. | $2,170,000 | $7,015,000 | 223.3% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $7,675,000 | $7,010,000 | -8.7% | 0.5% |
| LOANDEPOT.COM, LLC | $3,845,000 | $6,710,000 | 74.5% | 0.5% |
| S1L, Inc. | $1,325,000 | $6,235,000 | 370.6% | 0.5% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $9,295,000 | $6,100,000 | -34.4% | 0.4% |
| ALLIANT CREDIT UNION | $1,220,000 | $6,070,000 | 397.5% | 0.4% |
| Wells Fargo Bank | $73,495,000 | $5,940,000 | -91.9% | 0.4% |
| Alerus Financial | $805,000 | $5,860,000 | 628.0% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,680,000 | $5,840,000 | 117.9% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $4,365,000 | $5,605,000 | 28.4% | 0.4% |
| TRUWEST Credit Union | $2,610,000 | $5,570,000 | 113.4% | 0.4% |
| Century Mortgage Company DBA Century Lending Company | $2,790,000 | $5,335,000 | 91.2% | 0.4% |
| Cornerstone First Mortgage, Inc | $2,415,000 | $5,120,000 | 112.0% | 0.4% |
| HOMEXPRESS MORTGAGE CORP. | $5,775,000 | $5,115,000 | -11.4% | 0.4% |
| Citadel Servicing Corporation | $4,710,000 | $5,110,000 | 8.5% | 0.4% |
| Charles Schwab Bank, SSB | $7,180,000 | $5,030,000 | -29.9% | 0.4% |
| NexBank | $755,000 | $5,015,000 | 564.2% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $950,000 | $4,980,000 | 424.2% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $8,940,000 | $4,965,000 | -44.5% | 0.4% |
| NEXERA HOLDING LLC | $2,135,000 | $4,775,000 | 123.7% | 0.4% |
| Equity Prime Mortgage LLC | $2,700,000 | $4,760,000 | 76.3% | 0.4% |
| SUCCESS MORTGAGE PARTNERS, INC. | $4,740,000 | n/a | 0.3% | |
| PNC Bank | $5,340,000 | $4,475,000 | -16.2% | 0.3% |
| OCMBC, INC. | $3,505,000 | $4,450,000 | 27.0% | 0.3% |
| ALTITUDE FINANCIAL CORPORATION | $820,000 | $4,395,000 | 436.0% | 0.3% |
| Prosperity Home Mortgage, LLC | $3,450,000 | $4,365,000 | 26.5% | 0.3% |
| UMB Bank | $3,655,000 | $4,285,000 | 17.2% | 0.3% |
| GENEVA FINANCIAL, LLC | $6,245,000 | $4,280,000 | -31.5% | 0.3% |
| Stifel Bank and Trust | $2,335,000 | $4,260,000 | 82.4% | 0.3% |
| Carrington Mortgage Services, LLC | $2,035,000 | $4,255,000 | 109.1% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,960,000 | $4,145,000 | 40.0% | 0.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $2,440,000 | $3,950,000 | 61.9% | 0.3% |
| Merchants Mortgage & Trust Corporation | $195,000 | $3,795,000 | 1,846.2% | 0.3% |
| PHH Mortgage Corporation | $535,000 | $3,740,000 | 599.1% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,650,000 | $3,630,000 | -45.4% | 0.3% |
| BROKER SOLUTIONS, INC. | $2,235,000 | $3,590,000 | 60.6% | 0.3% |
| Bank of Colorado | $1,635,000 | $3,480,000 | 112.8% | 0.3% |
| UNION HOME MORTGAGE CORP. | $515,000 | $3,475,000 | 574.8% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $2,870,000 | $3,230,000 | 12.5% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $435,000 | $3,095,000 | 611.5% | 0.2% |
| Luxury Mortgage Corp. | $725,000 | $3,050,000 | 320.7% | 0.2% |
| A&D Mortgage LLC | $1,095,000 | $3,035,000 | 177.2% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,880,000 | $2,910,000 | -25.0% | 0.2% |
| AMWEST FUNDING CORP. | $925,000 | $2,835,000 | 206.5% | 0.2% |
| JMAC LENDING, INC. | $295,000 | $2,820,000 | 855.9% | 0.2% |
| Wallick & Volk, Inc. | $8,520,000 | $2,765,000 | -67.5% | 0.2% |
| MOUNTAIN AMERICA | $5,770,000 | $2,685,000 | -53.5% | 0.2% |
| BETTER MORTGAGE CORPORATION | $2,340,000 | $2,675,000 | 14.3% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $4,500,000 | $2,655,000 | -41.0% | 0.2% |
| Hometown Equity Mortgage, LLC | $2,585,000 | n/a | 0.2% | |
| NFM, INC. | $1,495,000 | $2,580,000 | 72.6% | 0.2% |
| AMERICA FIRST | $5,440,000 | $2,575,000 | -52.7% | 0.2% |
| ARIZONA CENTRAL | $2,150,000 | $2,575,000 | 19.8% | 0.2% |
| AMERITRUST MORTGAGE CORPORATION | $1,855,000 | $2,550,000 | 37.5% | 0.2% |
| SPRING EQ, LLC | $720,000 | $2,525,000 | 250.7% | 0.2% |
| DIRECT MORTGAGE LOANS, LLC | $745,000 | $2,520,000 | 238.3% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $1,380,000 | $2,360,000 | 71.0% | 0.2% |
| Franklin Loan Corporation | $870,000 | $2,310,000 | 165.5% | 0.2% |
| RESIDENTIAL MORTGAGE, LLC | $1,135,000 | $2,230,000 | 96.5% | 0.2% |
| 21ST MORTGAGE CORPORATION | $1,645,000 | $2,200,000 | 33.7% | 0.2% |
| BOKF | $1,860,000 | $2,195,000 | 18.0% | 0.2% |
| Beeline Loans, Inc. | $2,165,000 | n/a | 0.2% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,790,000 | $2,135,000 | -23.5% | 0.2% |
| Plains Commerce Bank | $7,035,000 | $2,125,000 | -69.8% | 0.2% |
| Northwest Farm Credit Services, FLCA | $305,000 | $2,105,000 | 590.2% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $6,790,000 | $2,040,000 | -70.0% | 0.2% |
| USAA Federal Savings Bank | $5,300,000 | $1,955,000 | -63.1% | 0.1% |
| Waterstone Mortgage Corporation | $1,380,000 | $1,905,000 | 38.0% | 0.1% |
| City National Bank | $605,000 | $1,870,000 | 209.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,675,000 | $1,850,000 | 10.4% | 0.1% |
| American Airlines Federal Credit Union | $165,000 | $1,845,000 | 1,018.2% | 0.1% |
| ADVANCIAL | $1,805,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $1,305,000 | $1,805,000 | 38.3% | 0.1% |
| Advisors Mortgage Group, L.L.C. | $275,000 | $1,755,000 | 538.2% | 0.1% |
| Flagstar Bank, FSB | $3,190,000 | $1,745,000 | -45.3% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,120,000 | $1,730,000 | -18.4% | 0.1% |
| Raymond James Bank | $1,695,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $2,810,000 | $1,680,000 | -40.2% | 0.1% |
| Watermark Capital, Inc. | $1,655,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $1,010,000 | $1,635,000 | 61.9% | 0.1% |
| LOANPAL, LLC | $1,605,000 | n/a | 0.1% | |
| Old National Bank | $1,585,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $1,255,000 | $1,520,000 | 21.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,635,000 | $1,520,000 | -7.0% | 0.1% |
| Axos Bank | $305,000 | $1,500,000 | 391.8% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $2,660,000 | $1,500,000 | -43.6% | 0.1% |
| Figure Lending LLC | $2,730,000 | $1,465,000 | -46.3% | 0.1% |
| Toyota Financial Savings Bank | $465,000 | $1,460,000 | 214.0% | 0.1% |
| ARC HOME LLC | $3,745,000 | $1,405,000 | -62.5% | 0.1% |
| SUN AMERICAN MORTGAGE COMPANY | $4,605,000 | $1,380,000 | -70.0% | 0.1% |
| GEORGIA'S OWN | $560,000 | $1,350,000 | 141.1% | 0.1% |
| Northpointe Bank | $725,000 | $1,350,000 | 86.2% | 0.1% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $1,340,000 | n/a | 0.1% | |
| Libertyville Bank & Trust | $1,155,000 | $1,255,000 | 8.7% | 0.1% |
| State Bank of Southern Utah | $565,000 | $1,215,000 | 115.0% | 0.1% |
| PREMIER LENDING, INC. | $1,950,000 | $1,210,000 | -37.9% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $335,000 | $1,190,000 | 255.2% | 0.1% |
| LENDSURE MORTGAGE CORP. | $315,000 | $1,180,000 | 274.6% | 0.1% |
| Strong Home Mortgage, LLC | $735,000 | $1,165,000 | 58.5% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,130,000 | $1,150,000 | 1.8% | 0.1% |
| Heritage Bank | $1,135,000 | n/a | 0.1% | |
| Banterra Bank | $1,130,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $545,000 | $1,130,000 | 107.3% | 0.1% |
| Fifth Third Bank | $1,130,000 | $1,065,000 | -5.8% | 0.1% |
| Logan Finance Corporation | $255,000 | $1,065,000 | 317.6% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $4,060,000 | $1,060,000 | -73.9% | 0.1% |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $1,055,000 | n/a | 0.1% | |
| HILTON FINANCIAL CORPORATION | $300,000 | $1,015,000 | 238.3% | 0.1% |
| Alaska USA Federal Credit Union | $990,000 | n/a | 0.1% | |
| University Bank | $405,000 | $965,000 | 138.3% | 0.1% |
| Crystal Lake Bank and Trust | $955,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,510,000 | $940,000 | -73.2% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $940,000 | n/a | 0.1% | |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $915,000 | n/a | 0.1% | |
| Umpqua Bank | $155,000 | $915,000 | 490.3% | 0.1% |
| Florida Capital Bank | $905,000 | n/a | 0.1% | |
| Magnolia Bank | $635,000 | $890,000 | 40.2% | 0.1% |
| CLIFFCO, INC. | $885,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,175,000 | $880,000 | -25.1% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $870,000 | n/a | 0.1% | |
| WALL STREET MORTGAGE BANKERS, LTD. | $865,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $35,000 | $860,000 | 2,357.1% | 0.1% |
| CARDINAL FINANCIAL | $145,000 | $860,000 | 493.1% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,190,000 | $805,000 | -32.4% | 0.1% |
| Loan Simple, Inc. | $2,405,000 | $805,000 | -66.5% | 0.1% |
| CLEARPATH LENDING | $800,000 | n/a | 0.1% | |
| NBKC BANK | $555,000 | $775,000 | 39.6% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $1,065,000 | $755,000 | -29.1% | 0.1% |
| Quontic Bank | $735,000 | n/a | 0.1% | |
| First Federal Bank | $1,940,000 | $725,000 | -62.6% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $725,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $305,000 | $710,000 | 132.8% | 0.1% |
| Nations Lending Corporation | $770,000 | $680,000 | -11.7% | 0.1% |
| Goldwater Bank, N.A. | $1,380,000 | $670,000 | -51.4% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,320,000 | $670,000 | -49.2% | 0.0% |
| Western State Bank | $665,000 | n/a | 0.0% | |
| Canyon State Credit Union | $85,000 | $655,000 | 670.6% | 0.0% |
| VANTAGE WEST | $960,000 | $620,000 | -35.4% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $2,455,000 | $610,000 | -75.2% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $345,000 | $585,000 | 69.6% | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | $585,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,840,000 | $570,000 | -69.0% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $270,000 | $560,000 | 107.4% | 0.0% |
| CHEVRON | $525,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $285,000 | $525,000 | 84.2% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $440,000 | $510,000 | 15.9% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $435,000 | $505,000 | 16.1% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $885,000 | $505,000 | -42.9% | 0.0% |
| Home Mortgage Alliance Corp | $505,000 | n/a | 0.0% | |
| SFMC, LP | $505,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $505,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $505,000 | n/a | 0.0% | |
| First Credit Union | $400,000 | $485,000 | 21.3% | 0.0% |
| HUGHES FEDERAL CREDIT UNION | $480,000 | n/a | 0.0% | |
| First Central State Bank | $475,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $475,000 | n/a | 0.0% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $475,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $105,000 | $465,000 | 342.9% | 0.0% |
| DATA MORTGAGE, INC. | $455,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $455,000 | n/a | 0.0% | |
| FUNDLOANS CAPITAL | $705,000 | $445,000 | -36.9% | 0.0% |
| NEW DAY FINANCIAL, LLC | $440,000 | n/a | 0.0% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $435,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $420,000 | n/a | 0.0% | |
| Unison Bank | $175,000 | $420,000 | 140.0% | 0.0% |
| Bankers Trust Company | $805,000 | $405,000 | -49.7% | 0.0% |
| EMBRACE HOME LOANS, INC. | $395,000 | n/a | 0.0% | |
| Golden Empire Mortgage, Inc. | $265,000 | $385,000 | 45.3% | 0.0% |
| RESIDENTIAL BANCORP | $565,000 | $380,000 | -32.7% | 0.0% |
| Deseret First Credit Union | $375,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $635,000 | $375,000 | -40.9% | 0.0% |
| AERO Federal Credit Union | $365,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $810,000 | $365,000 | -54.9% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $385,000 | $365,000 | -5.2% | 0.0% |
| Pacific Lending LLC | $425,000 | $365,000 | -14.1% | 0.0% |
| Coastal Community Bank | $90,000 | $355,000 | 294.4% | 0.0% |
| CLM MORTGAGE, INC | $335,000 | n/a | 0.0% | |
| DHI MORTGAGE COMPANY, LTD. | $335,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $395,000 | $335,000 | -15.2% | 0.0% |
| Greenbox Loans, Inc. | $325,000 | n/a | 0.0% | |
| Malvern National Bank | $335,000 | $315,000 | -6.0% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $305,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $305,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $305,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $1,545,000 | $295,000 | -80.9% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $275,000 | n/a | 0.0% | |
| First Western Trust Bank | $4,655,000 | $275,000 | -94.1% | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $275,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $255,000 | n/a | 0.0% | |
| NEW WEST LENDING, INC. | $1,120,000 | $255,000 | -77.2% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $675,000 | $240,000 | -64.4% | 0.0% |
| Discover Bank | $2,275,000 | $220,000 | -90.3% | 0.0% |
| Baxter Credit Union | $205,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $205,000 | n/a | 0.0% | |
| HomeTrust Bank | $85,000 | $205,000 | 141.2% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $815,000 | $205,000 | -74.8% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $280,000 | $190,000 | -32.1% | 0.0% |
| FIRST TECHNOLOGY | $975,000 | $185,000 | -81.0% | 0.0% |
| Farmers Bank & Trust | $1,090,000 | $170,000 | -84.4% | 0.0% |
| First United Bank and Trust Company | $155,000 | n/a | 0.0% | |
| CREDIT UNION WEST | $505,000 | $125,000 | -75.2% | 0.0% |
| INTELLILOAN, INC. | $115,000 | n/a | 0.0% | |
| Apex Bank | $95,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $880,000 | $85,000 | -90.3% | 0.0% |
| MERIWEST | $75,000 | n/a | 0.0% | |
| SWH FUNDING, LLC | $75,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $965,000 | $65,000 | -93.3% | 0.0% |
| Landings Credit Union | $55,000 | n/a | 0.0% |
FLAGSTAFF's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 11.8% market share. In second place, with 8.7%, is JPMorgan Chase Bank, having originated $118,830,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $76,615,000 in loans. In fourth place, with 4.0%, is GUILD MORTGAGE COMPANY, having originated $54,665,000 in loans. In fifth place, with 3.3%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $44,615,000 in loans.
FLAGSTAFF Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - FLAGSTAFF (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $494,185 (5.1%) | $630,132 (-3.7%) | 0.00 | 509 |
| 2018-02-01 | $517,000 (8.8%) | $641,219 (-3.2%) | 0.00 | 515 |
| 2018-03-01 | $499,000 (5.1%) | $659,059 (0.1%) | 0.00 | 539 |
| 2018-04-01 | $499,950 (6.7%) | $661,342 (3.7%) | 0.00 | 580 |
| 2018-05-01 | $499,000 (3.1%) | $661,888 (3.3%) | 0.00 | 626 |
| 2018-06-01 | $485,000 (5.6%) | $647,319 (3.3%) | 0.00 | 731 |
| 2018-07-01 | $471,350 (4.8%) | $636,095 (3.2%) | 0.00 | 780 |
| 2018-08-01 | $456,250 (1.4%) | $622,870 (1.3%) | 0.00 | 782 |
| 2018-09-01 | $450,000 (-1.1%) | $614,662 (-3.2%) | 0.00 | 785 |
| 2018-10-01 | $449,225 (-3.3%) | $599,006 (-8.0%) | 0.00 | 751 |
| 2018-11-01 | $451,225 (-8.2%) | $602,100 (-9.7%) | 0.00 | 695 |
| 2018-12-01 | $450,000 (-10.0%) | $609,854 (-6.2%) | 0.00 | 601 |
| 2019-01-01 | $449,375 (-9.1%) | $608,426 (-3.4%) | 0.00 | 558 |
| 2019-02-01 | $459,000 (-11.2%) | $635,858 (-0.8%) | 0.00 | 544 |
| 2019-03-01 | $459,643 (-7.9%) | $635,020 (-3.7%) | 0.00 | 565 |
| 2019-04-01 | $453,393 (-9.3%) | $625,565 (-5.4%) | 0.00 | 613 |
| 2019-05-01 | $449,925 (-9.8%) | $615,031 (-7.1%) | 0.00 | 685 |
| 2019-06-01 | $437,500 (-9.8%) | $608,924 (-5.9%) | 0.00 | 730 |
| 2019-07-01 | $436,250 (-7.5%) | $602,434 (-5.3%) | 0.00 | 787 |
| 2019-08-01 | $440,182 (-3.5%) | $610,430 (-2.0%) | 0.00 | 757 |
| 2019-09-01 | $445,705 (-1.0%) | $625,626 (1.8%) | 0.00 | 710 |
| 2019-10-01 | $450,000 (0.2%) | $639,753 (6.8%) | 0.00 | 671 |
| 2019-11-01 | $468,900 (3.9%) | $644,205 (7.0%) | 0.00 | 582 |
| 2019-12-01 | $484,753 (7.7%) | $662,456 (8.6%) | 0.00 | 486 |
| 2020-01-01 | $479,625 (6.7%) | $659,922 (8.5%) | 0.00 | 399 |
| 2020-02-01 | $509,000 (10.9%) | $692,135 (8.9%) | 0.00 | 368 |
| 2020-03-01 | $534,950 (16.4%) | $687,917 (8.3%) | 0.00 | 419 |
| 2020-04-01 | $515,725 (13.8%) | $662,703 (5.9%) | 0.00 | 481 |
| 2020-05-01 | $515,000 (14.5%) | $655,967 (6.7%) | 0.00 | 462 |
| 2020-06-01 | $491,450 (12.3%) | $649,251 (6.6%) | 0.00 | 407 |
| 2020-07-01 | $486,750 (11.6%) | $643,642 (6.8%) | 0.00 | 362 |
| 2020-08-01 | $535,000 (21.5%) | $680,410 (11.5%) | 0.00 | 279 |
| 2020-09-01 | $557,475 (25.1%) | $715,009 (14.3%) | 0.00 | 216 |
| 2020-10-01 | $564,000 (25.3%) | $766,520 (19.8%) | 0.00 | 180 |
| 2020-11-01 | $586,250 (25.0%) | $796,066 (23.6%) | 0.00 | 153 |
| 2020-12-01 | $575,250 (18.7%) | $762,840 (15.2%) | 0.00 | 129 |
| 2021-01-01 | $643,750 (34.2%) | $810,820 (22.9%) | 0.00 | 113 |
| 2021-02-01 | $635,975 (25.0%) | $820,442 (18.5%) | 0.00 | 109 |
| 2021-03-01 | $614,750 (14.9%) | $832,349 (21.0%) | 0.00 | 109 |
| 2021-04-01 | $637,450 (23.6%) | $834,230 (25.9%) | 0.00 | 148 |
| 2021-05-01 | $635,000 (23.3%) | $851,437 (29.8%) | 0.00 | 178 |
| 2021-06-01 | $649,900 (32.2%) | $854,033 (31.5%) | 0.00 | 217 |
| 2021-07-01 | $633,750 (30.2%) | $883,947 (37.3%) | 0.00 | 228 |
| 2021-08-01 | $646,000 (20.8%) | $895,640 (31.6%) | 0.00 | 239 |
| 2021-09-01 | $639,675 (14.8%) | $928,515 (29.9%) | 0.00 | 239 |
| 2021-10-01 | $650,000 (15.3%) | $962,107 (25.5%) | 0.00 | 180 |
| 2021-11-01 | $681,725 (16.3%) | $1,032,774 (29.7%) | 0.00 | 168 |
| 2021-12-01 | $645,475 (12.2%) | $993,386 (30.2%) | 0.00 | 153 |
| 2022-01-01 | $672,450 (4.5%) | $1,048,538 (29.3%) | 0.00 | 134 |
| 2022-02-01 | $674,611 (6.1%) | $1,039,074 (26.7%) | 0.00 | 128 |
| 2022-03-01 | $697,450 (13.5%) | $952,519 (14.4%) | 0.00 | 134 |
| 2022-04-01 | $715,000 (12.2%) | $953,887 (14.3%) | 0.00 | 192 |
| 2022-05-01 | $729,975 (15.0%) | $971,860 (14.1%) | 0.00 | 282 |
| 2022-06-01 | $725,000 (11.6%) | $964,538 (12.9%) | 0.00 | 389 |
| 2022-07-01 | $700,000 (10.5%) | $936,683 (6.0%) | 0.00 | 467 |
| 2022-08-01 | $718,875 (11.3%) | $964,247 (7.7%) | 0.00 | 437 |
| 2022-09-01 | $734,500 (14.8%) | $945,346 (1.8%) | 0.00 | 399 |
| 2022-10-01 | $750,000 (15.4%) | $984,791 (2.4%) | 0.00 | 412 |
| 2022-11-01 | $739,000 (8.4%) | $981,848 (-4.9%) | 0.00 | 365 |
| 2022-12-01 | $715,000 (10.8%) | $980,094 (-1.3%) | 0.00 | 331 |
| 2023-01-01 | $745,500 (10.9%) | $1,048,913 (0.0%) | 0.00 | 280 |
| 2023-02-01 | $738,250 (9.4%) | $1,087,352 (4.7%) | 0.00 | 276 |
| 2023-03-01 | $738,500 (5.9%) | $1,089,654 (14.4%) | 0.00 | 257 |
| 2023-04-01 | $732,500 (2.5%) | $1,134,335 (18.9%) | 0.00 | 279 |
| 2023-05-01 | $758,750 (3.9%) | $1,149,996 (18.3%) | 0.00 | 353 |
| 2023-06-01 | $735,000 (1.4%) | $1,074,734 (11.4%) | 0.00 | 399 |
| 2023-07-01 | $734,000 (4.9%) | $1,071,476 (14.4%) | 0.00 | 433 |
| 2023-08-01 | $714,950 (-0.6%) | $1,046,521 (8.5%) | 0.00 | 463 |
| 2023-09-01 | $722,030 (-1.7%) | $1,083,365 (14.6%) | 0.00 | 453 |
| 2023-10-01 | $733,500 (-2.2%) | $1,038,779 (5.5%) | 0.00 | 450 |
| 2023-11-01 | $735,000 (-0.5%) | $1,087,357 (10.8%) | 0.00 | 418 |
| 2023-12-01 | $740,000 (3.5%) | $1,094,617 (11.7%) | 0.00 | 360 |
| 2024-01-01 | $737,500 (-1.1%) | $1,074,937 (2.5%) | 0.00 | 307 |
| 2024-02-01 | $737,500 (-0.1%) | $1,074,635 (-1.2%) | 0.00 | 302 |
| 2024-03-01 | $750,000 (1.6%) | $1,123,066 (3.1%) | 0.00 | 337 |
| 2024-04-01 | $750,000 (2.4%) | $1,086,933 (-4.2%) | 0.00 | 390 |
| 2024-05-01 | $763,940 (0.7%) | $1,104,857 (-3.9%) | 0.00 | 481 |
| 2024-06-01 | $740,500 (0.8%) | $1,068,526 (-0.6%) | 0.00 | 548 |
| 2024-07-01 | $749,950 (2.2%) | $1,073,415 (0.2%) | 0.00 | 550 |
| 2024-08-01 | $739,900 (3.5%) | $1,041,014 (-0.5%) | 0.00 | 531 |
| 2024-09-01 | $746,725 (3.4%) | $1,042,886 (-3.7%) | 0.00 | 523 |
| 2024-10-01 | $744,475 (1.5%) | $1,095,680 (5.5%) | 0.00 | 509 |
| 2024-11-01 | $750,000 (2.0%) | $1,097,557 (0.9%) | 0.00 | 458 |
| 2024-12-01 | $751,534 (1.6%) | $1,132,521 (3.5%) | 0.00 | 392 |
| 2025-01-01 | $752,540 (2.0%) | $1,125,342 (4.7%) | 0.00 | 353 |
| 2025-02-01 | $750,458 (1.8%) | $1,176,636 (9.5%) | 0.00 | 356 |
| 2025-03-01 | $745,000 (-0.7%) | $1,177,168 (4.8%) | 0.00 | 427 |
| 2025-04-01 | $725,000 (-3.3%) | $1,102,921 (1.5%) | 0.00 | 534 |
| 2025-05-01 | $739,000 (-3.3%) | $1,099,040 (-0.5%) | 0.00 | 642 |
| 2025-06-01 | $730,759 (-1.3%) | $1,073,849 (0.5%) | 0.00 | 754 |
| 2025-07-01 | $725,000 (-3.3%) | $1,081,412 (0.8%) | 0.00 | 749 |
| 2025-08-01 | $720,000 (-2.7%) | $1,075,645 (3.3%) | 0.00 | 711 |
| 2025-09-01 | $709,950 (-4.9%) | $1,063,843 (2.0%) | 0.00 | 670 |
| 2025-10-01 | $699,000 (-6.1%) | $1,047,954 (-4.4%) | 0.00 | 652 |
| 2025-11-01 | $699,900 (-6.7%) | $1,077,057 (-1.9%) | 0.00 | 591 |
| 2025-12-01 | $725,632 (-3.5%) | $1,123,878 (-0.8%) | 0.00 | 499 |
| 2026-01-01 | $737,000 (-2.1%) | $1,146,534 (1.9%) | 0.00 | 454 |
| 2026-02-01 | $750,000 (-0.1%) | $1,187,419 (0.9%) | 0.00 | 441 |
| 2026-03-01 | $741,375 (-0.5%) | $1,122,540 (-4.6%) | 0.00 | 504 |
| 2026-04-01 | $757,188 (4.4%) | $1,096,394 (-0.6%) | 0.00 | 583 |
| 2026-05-01 | $775,000 (4.9%) | $1,129,056 (2.7%) | 0.00 | 648 |
| 2026-06-01 | $759,950 (4.0%) | $1,149,901 (7.1%) | 0.00 | 747 |
| 2026-07-01 | $747,250 (3.1%) | $1,115,083 (3.1%) | 0.00 | 778 |
| 2026-08-01 | $735,000 (2.1%) | $1,108,208 (3.0%) | 0.00 | 778 |
| 2026-09-01 | $741,000 (4.4%) | $1,122,594 (5.5%) | 0.00 | 765 |
| 2026-10-01 | $730,833 (4.6%) | $1,155,641 (10.3%) | 0.00 | 758 |
FLAGSTAFF's median listing price for 2026-10-01 was $730,833, a difference of
$31,833
(4.6%) versus the prior year and
$-10,167 versus the prior month.
FLAGSTAFF's median listing price comes in at 0% of the national average.
FLAGSTAFF's average listing price for 2026-10-01 was $1,155,641, a difference of $107,687 (10.3%) versus the prior year and $33,047 versus the prior month.
For the 2026-10-01 period, FLAGSTAFF had 758 MLS listings, a difference of -7 listings (-1%) versus the prior month and 106 listings (16%) versus the prior year.
FLAGSTAFF's median listing price comes in at 0% of the national average.
FLAGSTAFF's average listing price for 2026-10-01 was $1,155,641, a difference of $107,687 (10.3%) versus the prior year and $33,047 versus the prior month.
For the 2026-10-01 period, FLAGSTAFF had 758 MLS listings, a difference of -7 listings (-1%) versus the prior month and 106 listings (16%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - FLAGSTAFF (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,411 sqft |
| 2018-02-01 | 0 days | 2,422 sqft |
| 2018-03-01 | 0 days | 2,440 sqft |
| 2018-04-01 | 0 days | 2,438 sqft |
| 2018-05-01 | 0 days | 2,421 sqft |
| 2018-06-01 | 0 days | 2,402 sqft |
| 2018-07-01 | 0 days | 2,352 sqft |
| 2018-08-01 | 0 days | 2,305 sqft |
| 2018-09-01 | 0 days | 2,279 sqft |
| 2018-10-01 | 0 days | 2,266 sqft |
| 2018-11-01 | 0 days | 2,288 sqft |
| 2018-12-01 | 0 days | 2,240 sqft |
| 2019-01-01 | 0 days | 2,199 sqft |
| 2019-02-01 | 0 days | 2,200 sqft |
| 2019-03-01 | 0 days | 2,181 sqft |
| 2019-04-01 | 0 days | 2,164 sqft |
| 2019-05-01 | 0 days | 2,131 sqft |
| 2019-06-01 | 0 days | 2,111 sqft |
| 2019-07-01 | 0 days | 2,074 sqft |
| 2019-08-01 | 0 days | 2,104 sqft |
| 2019-09-01 | 0 days | 2,149 sqft |
| 2019-10-01 | 0 days | 2,184 sqft |
| 2019-11-01 | 0 days | 2,193 sqft |
| 2019-12-01 | 0 days | 2,200 sqft |
| 2020-01-01 | 0 days | 2,166 sqft |
| 2020-02-01 | 0 days | 2,296 sqft |
| 2020-03-01 | 0 days | 2,317 sqft |
| 2020-04-01 | 0 days | 2,200 sqft |
| 2020-05-01 | 0 days | 2,193 sqft |
| 2020-06-01 | 0 days | 2,175 sqft |
| 2020-07-01 | 0 days | 2,181 sqft |
| 2020-08-01 | 0 days | 2,147 sqft |
| 2020-09-01 | 0 days | 2,186 sqft |
| 2020-10-01 | 0 days | 2,196 sqft |
| 2020-11-01 | 0 days | 2,218 sqft |
| 2020-12-01 | 0 days | 2,124 sqft |
| 2021-01-01 | 0 days | 2,202 sqft |
| 2021-02-01 | 0 days | 2,056 sqft |
| 2021-03-01 | 0 days | 2,163 sqft |
| 2021-04-01 | 0 days | 2,092 sqft |
| 2021-05-01 | 0 days | 2,077 sqft |
| 2021-06-01 | 0 days | 2,052 sqft |
| 2021-07-01 | 0 days | 2,005 sqft |
| 2021-08-01 | 0 days | 2,013 sqft |
| 2021-09-01 | 0 days | 2,031 sqft |
| 2021-10-01 | 0 days | 2,071 sqft |
| 2021-11-01 | 0 days | 2,108 sqft |
| 2021-12-01 | 0 days | 2,061 sqft |
| 2022-01-01 | 0 days | 2,063 sqft |
| 2022-02-01 | 0 days | 2,068 sqft |
| 2022-03-01 | 0 days | 2,074 sqft |
| 2022-04-01 | 0 days | 2,004 sqft |
| 2022-05-01 | 0 days | 2,030 sqft |
| 2022-06-01 | 0 days | 2,044 sqft |
| 2022-07-01 | 0 days | 2,007 sqft |
| 2022-08-01 | 0 days | 2,055 sqft |
| 2022-09-01 | 0 days | 2,095 sqft |
| 2022-10-01 | 0 days | 2,130 sqft |
| 2022-11-01 | 0 days | 2,051 sqft |
| 2022-12-01 | 0 days | 2,004 sqft |
| 2023-01-01 | 0 days | 2,051 sqft |
| 2023-02-01 | 0 days | 2,028 sqft |
| 2023-03-01 | 0 days | 2,024 sqft |
| 2023-04-01 | 0 days | 2,033 sqft |
| 2023-05-01 | 0 days | 2,101 sqft |
| 2023-06-01 | 0 days | 2,052 sqft |
| 2023-07-01 | 0 days | 2,065 sqft |
| 2023-08-01 | 0 days | 2,093 sqft |
| 2023-09-01 | 0 days | 2,104 sqft |
| 2023-10-01 | 0 days | 2,087 sqft |
| 2023-11-01 | 0 days | 2,120 sqft |
| 2023-12-01 | 0 days | 2,120 sqft |
| 2024-01-01 | 0 days | 2,117 sqft |
| 2024-02-01 | 0 days | 2,057 sqft |
| 2024-03-01 | 0 days | 2,118 sqft |
| 2024-04-01 | 0 days | 2,066 sqft |
| 2024-05-01 | 0 days | 2,099 sqft |
| 2024-06-01 | 0 days | 2,042 sqft |
| 2024-07-01 | 0 days | 2,060 sqft |
| 2024-08-01 | 0 days | 2,048 sqft |
| 2024-09-01 | 0 days | 2,018 sqft |
| 2024-10-01 | 0 days | 2,028 sqft |
| 2024-11-01 | 0 days | 2,000 sqft |
| 2024-12-01 | 0 days | 2,000 sqft |
| 2025-01-01 | 0 days | 2,005 sqft |
| 2025-02-01 | 0 days | 1,993 sqft |
| 2025-03-01 | 0 days | 1,943 sqft |
| 2025-04-01 | 0 days | 1,899 sqft |
| 2025-05-01 | 0 days | 1,938 sqft |
| 2025-06-01 | 0 days | 1,923 sqft |
| 2025-07-01 | 0 days | 1,920 sqft |
| 2025-08-01 | 0 days | 1,919 sqft |
| 2025-09-01 | 0 days | 1,875 sqft |
| 2025-10-01 | 0 days | 1,856 sqft |
| 2025-11-01 | 0 days | 1,896 sqft |
| 2025-12-01 | 0 days | 1,905 sqft |
| 2026-01-01 | 0 days | 1,912 sqft |
| 2026-02-01 | 0 days | 1,934 sqft |
| 2026-03-01 | 0 days | 1,883 sqft |
| 2026-04-01 | 0 days | 1,931 sqft |
| 2026-05-01 | 0 days | 1,985 sqft |
| 2026-06-01 | 0 days | 1,996 sqft |
| 2026-07-01 | 0 days | 1,985 sqft |
| 2026-08-01 | 0 days | 1,987 sqft |
| 2026-09-01 | 0 days | 1,997 sqft |
| 2026-10-01 | 0 days | 1,988 sqft |
FLAGSTAFF's median listing age (time on market) for 2026-10-01 was 0 days.
FLAGSTAFF's median square footage for active listings during the 2026-10-01 period was 1,988 sqft. One year prior, the average listing was 1,856 sqft.
FLAGSTAFF's median square footage for active listings during the 2026-10-01 period was 1,988 sqft. One year prior, the average listing was 1,856 sqft.
FLAGSTAFF, AZ Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,467 | $751,785,000 | $512,464 |
| Refi | 516 | $250,620,000 | $485,698 |
| Cash Out Refi | 430 | $245,260,000 | $570,372 |
| Other | 254 | $61,080,000 | $240,472 |
| Home Improvement | 238 | $49,830,000 | $209,370 |
Flagstaff's most frequently cited loan purpose was Home Purchase, with 1,467 originations. The 2nd most popular reason was Refi, with 516 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,269 | $583,935,000 | $460,154 |
| 7-8% | 711 | $287,475,000 | $404,325 |
| 5-6% | 521 | $384,595,000 | $738,186 |
| Over 8% | 355 | $78,425,000 | $220,915 |
| 4-5% | 19 | $12,745,000 | $670,789 |
| 3-4% | 6 | $1,880,000 | $313,333 |
| 2.5-3% | 5 | $1,845,000 | $369,000 |
| <2.5% | 5 | $395,000 | $79,000 |
During 2025, Flagstaff's most frequently originated rate bucket was 6-7%, with 1,269 originations.
Loan Sizing (FLAGSTAFF, AZ MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 870 | $261,950,000 | $301,092 |
| $400k-600k | 771 | $376,385,000 | $488,178 |
| $600k-1000k | 404 | $298,370,000 | $738,540 |
| $100k-200k | 376 | $53,260,000 | $141,649 |
| $100,000 or less | 321 | $18,875,000 | $58,801 |
| $Over $1MM | 163 | $349,735,000 | $2,145,613 |
FLAGSTAFF's loan sizing saw the bucket of loans from $200k-400k with 870 originations, totaling $261,950,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 885 | $624,715,000 | $705,893 |
| 80-100% | 784 | $394,080,000 | $502,653 |
| Under 20% | 420 | $39,160,000 | $93,238 |
| 40-60% | 389 | $171,515,000 | $440,913 |
| 20-40% | 360 | $90,860,000 | $252,389 |
| Over 100% | 22 | $13,480,000 | $612,727 |
FLAGSTAFF's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 885 originations, totaling $624,715,000 in origination value.