FLAGSTAFF Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Flagstaff averaged
7.01%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.64% and
one month ago for the week of 2024-10-03, the
average rate was 6.14%.
Flagstaff's average rate one year ago was 7.78%.
For refis of the same type during the week of 2024-11-07, the average rate
was 7.28%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Flagstaff 30 Year Fixed Rate | 2024-11-07 | 7.01% |
| Flagstaff 30 Year Fixed Rate Refi | 2024-11-07 | 7.28% |
| Flagstaff 15 Year Fixed Rate | 2024-11-07 | 6.1% |
| Flagstaff 15 Year Fixed Rate Refi | 2024-11-07 | 6.5% |
| Flagstaff 30 Year FHA | 2024-11-07 | 6.24% |
| Flagstaff 30 Year FHA Refi | 2024-11-07 | 6.33% |
| Flagstaff 30 Year USDA | 2024-11-07 | 6.48% |
| Flagstaff 30 Year USDA Refi | 2024-11-07 | 6.28% |
| Flagstaff 30 Year VA | 2024-11-07 | 6.31% |
| Flagstaff 30 Year VA Refi | 2024-11-07 | 6.34% |
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 168 lenders originated 2,082
loans during 2023. The total origination value was $879,810,000, with an average loan value of
$422,579.
FLAGSTAFF's average closing costs are $5,824.
The top FLAGSTAFF lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
145 loans originated. Their average total fees are
$7,949, which is $2,179
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee FLAGSTAFF lenders (with over 10 loans originated) are
OneAZ Credit Union ($5,187), Wells Fargo Bank ($5,515), NOVA FINANCIAL & INVESTMENT CORPORATION ($6,428), STARBOARD FINANCIAL MANAGEMENT, LLC ($7,049) and GUILD MORTGAGE COMPANY ($7,164).
The lowest rate FLAGSTAFF lenders (with over 10 loans originated) are
Wells Fargo Bank (6.24%), HIGHLANDS RESIDENTIAL MORTGAGE, LTD. (6.30%), OneAZ Credit Union (6.31%), U.S. Bank (6.77%) and PRIMELENDING, A PLAINSCAPITAL COMPANY (6.77%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $105,940,000 | $85,695,000 | -19.1% | 9.7% |
| QUICKEN LOANS, LLC | $74,280,000 | $55,080,000 | -25.8% | 6.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $61,195,000 | $35,095,000 | -42.7% | 4.0% |
| WALKER & DUNLOP, LLC | $44,555,000 | $34,000,000 | -23.7% | 3.9% |
| OneAZ Credit Union | $35,975,000 | $33,040,000 | -8.2% | 3.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $28,825,000 | $33,035,000 | 14.6% | 3.8% |
| ACADEMY MORTGAGE CORPORATION | $52,455,000 | $30,580,000 | -41.7% | 3.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $56,750,000 | $25,690,000 | -54.7% | 2.9% |
| GREYSTONE FUNDING COMPANY LLC | $24,115,000 | n/a | 2.7% | |
| JPMorgan Chase Bank | $58,925,000 | $23,385,000 | -60.3% | 2.7% |
| V.I.P. MORTGAGE, INC. | $18,255,000 | $22,050,000 | 20.8% | 2.5% |
| Zions Bank | $51,040,000 | $21,945,000 | -57.0% | 2.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $19,565,000 | n/a | 2.2% | |
| U.S. Bank | $22,385,000 | $13,920,000 | -37.8% | 1.6% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $32,460,000 | $13,780,000 | -57.5% | 1.6% |
| Bank of America | $25,865,000 | $12,995,000 | -49.8% | 1.5% |
| Wallick & Volk, Inc. | $80,955,000 | $12,355,000 | -84.7% | 1.4% |
| DESERT FINANCIAL FEDERAL CREDIT UNION | $4,835,000 | $9,990,000 | 106.6% | 1.1% |
| BMO Harris Bank | $8,485,000 | $9,540,000 | 12.4% | 1.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $6,095,000 | $9,330,000 | 53.1% | 1.1% |
| Bell Bank | $11,220,000 | $8,930,000 | -20.4% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $10,855,000 | $8,260,000 | -23.9% | 0.9% |
| GUILD MORTGAGE COMPANY | $15,130,000 | $8,100,000 | -46.5% | 0.9% |
| Wells Fargo Bank | $32,335,000 | $8,040,000 | -75.1% | 0.9% |
| Mortgage Research Center, LLC | $3,430,000 | $7,155,000 | 108.6% | 0.8% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $13,540,000 | $6,865,000 | -49.3% | 0.8% |
| MORIA DEVELOPMENT, INC. | $15,465,000 | $6,735,000 | -56.5% | 0.8% |
| CMG MORTGAGE, INC. | $6,580,000 | $6,665,000 | 1.3% | 0.8% |
| INTERCAP LENDING INC. | $710,000 | $6,475,000 | 812.0% | 0.7% |
| Charles Schwab Bank, SSB | $8,035,000 | $6,270,000 | -22.0% | 0.7% |
| Bank of Colorado | $4,125,000 | $6,110,000 | 48.1% | 0.7% |
| Raymond James Bank | $3,200,000 | $6,065,000 | 89.5% | 0.7% |
| MOUNTAIN AMERICA | $13,580,000 | $6,025,000 | -55.6% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $11,005,000 | $5,960,000 | -45.8% | 0.7% |
| Flagstar Bank, FSB | $9,335,000 | $5,935,000 | -36.4% | 0.7% |
| MidFirst Bank | $8,185,000 | $5,835,000 | -28.7% | 0.7% |
| Cedar Rapids Bank and Trust Company | $5,580,000 | n/a | 0.6% | |
| Citibank | $1,475,000 | $5,190,000 | 251.9% | 0.6% |
| PNC Bank | $63,510,000 | $5,115,000 | -91.9% | 0.6% |
| Morgan Stanley Private Bank | $5,455,000 | $4,800,000 | -12.0% | 0.5% |
| NexBank | $2,730,000 | $3,900,000 | 42.9% | 0.4% |
| GENEVA FINANCIAL, LLC | $5,570,000 | $3,755,000 | -32.6% | 0.4% |
| Glacier Bank | $9,710,000 | $3,705,000 | -61.8% | 0.4% |
| First Fidelity Bank | $1,855,000 | $3,605,000 | 94.3% | 0.4% |
| BROKER SOLUTIONS, INC. | $5,620,000 | $3,510,000 | -37.5% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,730,000 | $3,485,000 | 27.7% | 0.4% |
| FirstBank | $285,000 | $3,460,000 | 1,114.0% | 0.4% |
| ARIZONA CENTRAL | $5,350,000 | $3,425,000 | -36.0% | 0.4% |
| BNY Mellon | $685,000 | $3,350,000 | 389.1% | 0.4% |
| ALTITUDE FINANCIAL CORPORATION | $2,090,000 | $3,310,000 | 58.4% | 0.4% |
| LOANDEPOT.COM, LLC | $20,445,000 | $3,290,000 | -83.9% | 0.4% |
| Comerica Bank | $2,700,000 | $3,285,000 | 21.7% | 0.4% |
| GUARANTEED RATE AFFINITY, LLC | $3,735,000 | $3,230,000 | -13.5% | 0.4% |
| SUN AMERICAN MORTGAGE COMPANY | $5,790,000 | $3,150,000 | -45.6% | 0.4% |
| FineMark National Bank & Trust | $4,225,000 | $2,955,000 | -30.1% | 0.3% |
| GUARANTEED RATE, INC. | $4,640,000 | $2,925,000 | -37.0% | 0.3% |
| ON Q FINANCIAL, INC. | $7,555,000 | $2,680,000 | -64.5% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $9,230,000 | $2,625,000 | -71.6% | 0.3% |
| 21ST MORTGAGE CORPORATION | $2,780,000 | $2,590,000 | -6.8% | 0.3% |
| UMB Bank | $2,310,000 | $2,535,000 | 9.7% | 0.3% |
| HOMEXPRESS MORTGAGE CORP. | $1,985,000 | $2,525,000 | 27.2% | 0.3% |
| AMERICA FIRST | $2,645,000 | $2,510,000 | -5.1% | 0.3% |
| The Northern Trust Company | $2,815,000 | $2,505,000 | -11.0% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $1,350,000 | $2,490,000 | 84.4% | 0.3% |
| Washington Federal Bank | $11,250,000 | $2,170,000 | -80.7% | 0.2% |
| The State Bank | $2,115,000 | n/a | 0.2% | |
| NFM, INC. | $3,550,000 | $2,060,000 | -42.0% | 0.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $4,815,000 | $2,010,000 | -58.3% | 0.2% |
| USAA Federal Savings Bank | $2,030,000 | $1,965,000 | -3.2% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $9,610,000 | $1,890,000 | -80.3% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $1,835,000 | n/a | 0.2% | |
| UBS Bank USA | $6,030,000 | $1,830,000 | -69.7% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $1,460,000 | $1,800,000 | 23.3% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,215,000 | $1,785,000 | -19.4% | 0.2% |
| ARC HOME LLC | $535,000 | $1,780,000 | 232.7% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $8,850,000 | $1,775,000 | -79.9% | 0.2% |
| Equity Prime Mortgage LLC | $740,000 | $1,760,000 | 137.8% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,810,000 | $1,680,000 | -55.9% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,645,000 | n/a | 0.2% | |
| Citadel Servicing Corporation | $2,625,000 | $1,640,000 | -37.5% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $1,490,000 | $1,590,000 | 6.7% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $625,000 | $1,585,000 | 153.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $5,205,000 | $1,550,000 | -70.2% | 0.2% |
| WaterStone Bank, SSB | $1,505,000 | n/a | 0.2% | |
| GEORGIA'S OWN | $725,000 | $1,500,000 | 106.9% | 0.2% |
| The Federal Savings Bank | $2,630,000 | $1,465,000 | -44.3% | 0.2% |
| Figure Lending LLC | $2,475,000 | $1,460,000 | -41.0% | 0.2% |
| Waterstone Mortgage Corporation | $2,080,000 | $1,460,000 | -29.8% | 0.2% |
| Florida Capital Bank | $1,450,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,145,000 | $1,450,000 | -65.0% | 0.2% |
| FirstBank | $285,000 | $1,435,000 | 403.5% | 0.2% |
| Discover Bank | $520,000 | $1,390,000 | 167.3% | 0.2% |
| SUMMIT FUNDING, INC. | $1,090,000 | $1,360,000 | 24.8% | 0.2% |
| Plains Commerce Bank | $1,410,000 | $1,325,000 | -6.0% | 0.2% |
| AmeriHome Mortgage Company, LLC | $1,475,000 | $1,320,000 | -10.5% | 0.2% |
| The Huntington National Bank | $3,045,000 | $1,320,000 | -56.7% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $5,630,000 | $1,295,000 | -77.0% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,070,000 | $1,285,000 | 20.1% | 0.1% |
| BOKF | $5,425,000 | $1,275,000 | -76.5% | 0.1% |
| NEW WEST LENDING, INC. | $325,000 | $1,225,000 | 276.9% | 0.1% |
| TrustBank | $2,820,000 | $1,205,000 | -57.3% | 0.1% |
| Bankers Trust Company | $1,085,000 | $1,200,000 | 10.6% | 0.1% |
| FBC MORTGAGE, LLC | $870,000 | $1,165,000 | 33.9% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,620,000 | $1,145,000 | -29.3% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,055,000 | $1,140,000 | 8.1% | 0.1% |
| The Loan Store, Inc. | $335,000 | $1,115,000 | 232.8% | 0.1% |
| ARIZONA | $2,425,000 | $1,110,000 | -54.2% | 0.1% |
| Choice Financial Group | $1,875,000 | $1,080,000 | -42.4% | 0.1% |
| First-Citizens Bank & Trust Company | $3,705,000 | $1,080,000 | -70.9% | 0.1% |
| UNION HOME MORTGAGE CORP. | $1,460,000 | $1,045,000 | -28.4% | 0.1% |
| Canyon State Credit Union | $75,000 | $1,035,000 | 1,280.0% | 0.1% |
| RESIDENTIAL MORTGAGE, LLC | $1,030,000 | n/a | 0.1% | |
| NEWREZ LLC | $6,220,000 | $1,025,000 | -83.5% | 0.1% |
| OCMBC, INC. | $355,000 | $1,020,000 | 187.3% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $1,765,000 | $1,005,000 | -43.1% | 0.1% |
| LENDSURE MORTGAGE CORP. | $3,290,000 | $1,005,000 | -69.5% | 0.1% |
| M&T Bank | $1,005,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $2,285,000 | $990,000 | -56.7% | 0.1% |
| NBKC BANK | $265,000 | $970,000 | 266.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $4,620,000 | $970,000 | -79.0% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $880,000 | $965,000 | 9.7% | 0.1% |
| Neighborhood Loans, Inc. | $1,405,000 | $950,000 | -32.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $3,285,000 | $940,000 | -71.4% | 0.1% |
| Commerce Home Mortgage, Inc. | $3,890,000 | $910,000 | -76.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,555,000 | $900,000 | -42.1% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $2,540,000 | $895,000 | -64.8% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $880,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $2,510,000 | $875,000 | -65.1% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $465,000 | $870,000 | 87.1% | 0.1% |
| JMAC LENDING, INC. | $885,000 | $855,000 | -3.4% | 0.1% |
| Heritage Bank | $895,000 | $835,000 | -6.7% | 0.1% |
| NP, Inc. | $285,000 | $835,000 | 193.0% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $830,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $4,870,000 | $825,000 | -83.1% | 0.1% |
| Goldman Sachs Bank USA | $805,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $2,035,000 | $800,000 | -60.7% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $905,000 | $800,000 | -11.6% | 0.1% |
| DIRECTORS MORTGAGE, INC. | $2,430,000 | $770,000 | -68.3% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $770,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $1,175,000 | $750,000 | -36.2% | 0.1% |
| FISHER FINANCIAL GROUP, INCORPORATED | $740,000 | n/a | 0.1% | |
| TRUWEST Credit Union | $6,195,000 | $735,000 | -88.1% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,350,000 | $730,000 | -45.9% | 0.1% |
| AMWEST FUNDING CORP. | $2,105,000 | $725,000 | -65.6% | 0.1% |
| AXIA FINANCIAL, LLC | $725,000 | n/a | 0.1% | |
| First Credit Union | $15,000 | $725,000 | 4,733.3% | 0.1% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | $725,000 | n/a | 0.1% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $725,000 | n/a | 0.1% | |
| UNITED | $885,000 | $725,000 | -18.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $3,835,000 | $710,000 | -81.5% | 0.1% |
| Nations Lending Corporation | $805,000 | $705,000 | -12.4% | 0.1% |
| Truist | $10,575,000 | $705,000 | -93.3% | 0.1% |
| MICHIGAN MUTUAL, INC. | $1,080,000 | $700,000 | -35.2% | 0.1% |
| Alerus Financial | $640,000 | $695,000 | 8.6% | 0.1% |
| DEFINE MORTGAGE SOLUTIONS, LLC | $2,820,000 | $670,000 | -76.2% | 0.1% |
| Alaska USA Federal Credit Union | $650,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $265,000 | $645,000 | 143.4% | 0.1% |
| EMBRACE HOME LOANS, INC. | $545,000 | $635,000 | 16.5% | 0.1% |
| Hometown Equity Mortgage, LLC | $840,000 | $635,000 | -24.4% | 0.1% |
| AMERICAN FINANCING CORPORATION | $2,475,000 | $610,000 | -75.4% | 0.1% |
| KS StateBank | $405,000 | $605,000 | 49.4% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $600,000 | n/a | 0.1% | |
| ALAMEDA MORTGAGE CORPORATION | $595,000 | n/a | 0.1% | |
| BELEM SERVICING LLC | $585,000 | n/a | 0.1% | |
| First Federal Bank | $525,000 | $575,000 | 9.5% | 0.1% |
| LOANPAL, LLC | $2,865,000 | $570,000 | -80.1% | 0.1% |
| VANTAGE WEST | $570,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $3,590,000 | $565,000 | -84.3% | 0.1% |
| MANN FINANCIAL INC. | $1,095,000 | $560,000 | -48.9% | 0.1% |
| Magnolia Bank | $555,000 | n/a | 0.1% | |
| Union Savings Bank | $535,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $750,000 | $525,000 | -30.0% | 0.1% |
| City National Bank | $45,190,000 | $525,000 | -98.8% | 0.1% |
| Independent Bank | $525,000 | n/a | 0.1% | |
| Banterra Bank | $515,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $490,000 | $515,000 | 5.1% | 0.1% |
| Coastal Community Bank | $510,000 | n/a | 0.1% | |
| Ally Bank | $2,955,000 | $505,000 | -82.9% | 0.1% |
| Northpointe Bank | $3,390,000 | $505,000 | -85.1% | 0.1% |
| Northwest Farm Credit Services, FLCA | $325,000 | $505,000 | 55.4% | 0.1% |
| S1L, Inc. | $505,000 | n/a | 0.1% | |
| CASTLE & COOKE MORTGAGE, LLC | $235,000 | $495,000 | 110.6% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $495,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $3,070,000 | $485,000 | -84.2% | 0.1% |
| NEW DAY FINANCIAL, LLC | $760,000 | $485,000 | -36.2% | 0.1% |
| PREMIA MORTGAGE, LLC | $515,000 | $485,000 | -5.8% | 0.1% |
| CITYWIDE HOME LOANS, LLC | $1,110,000 | $455,000 | -59.0% | 0.1% |
| EVERETT FINANCIAL, INC. | $445,000 | n/a | 0.1% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $435,000 | n/a | 0.0% | |
| VILLAGE CAPITAL MORTGAGE | $1,220,000 | $435,000 | -64.3% | 0.0% |
| State Bank of Southern Utah | $940,000 | $430,000 | -54.3% | 0.0% |
| SWH FUNDING, LLC | $415,000 | n/a | 0.0% | |
| BENCH EQUITY L.L.C. | $205,000 | $405,000 | 97.6% | 0.0% |
| N R L Federal Credit Union | $1,450,000 | $385,000 | -73.4% | 0.0% |
| PLANET HOME LENDING, LLC | $1,070,000 | $380,000 | -64.5% | 0.0% |
| CTBC Bank Corp. (USA) | $375,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $1,690,000 | $365,000 | -78.4% | 0.0% |
| Franklin Loan Corporation | $365,000 | n/a | 0.0% | |
| Golden Empire Mortgage, Inc. | $395,000 | $365,000 | -7.6% | 0.0% |
| PHH Mortgage Corporation | $2,325,000 | $360,000 | -84.5% | 0.0% |
| Texas Bank and Trust Company | $355,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $355,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $650,000 | $345,000 | -46.9% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $375,000 | $335,000 | -10.7% | 0.0% |
| DIGITAL Federal Credit Union | $325,000 | n/a | 0.0% | |
| Sunflower Bank | $3,485,000 | $315,000 | -91.0% | 0.0% |
| Utah Power | $315,000 | n/a | 0.0% | |
| Lend Smart Mortgage, LLC | $540,000 | $305,000 | -43.5% | 0.0% |
| OAKTREE FUNDING CORP. | $2,575,000 | $305,000 | -88.2% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $325,000 | $305,000 | -6.2% | 0.0% |
| INTELLILOAN, INC. | $135,000 | $295,000 | 118.5% | 0.0% |
| ALLIANT CREDIT UNION | $1,880,000 | $290,000 | -84.6% | 0.0% |
| Firefighters First Federal Credit Union | $520,000 | $290,000 | -44.2% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $955,000 | $285,000 | -70.2% | 0.0% |
| First National Bank of America | $285,000 | n/a | 0.0% | |
| BAY-VALLEY MORTGAGE GROUP | $275,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $275,000 | n/a | 0.0% | |
| CREDIT UNION WEST | $770,000 | $270,000 | -64.9% | 0.0% |
| Farmers & Merchants Bank of Central California | $265,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $475,000 | $265,000 | -44.2% | 0.0% |
| EMM LOANS LLC | $255,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,555,000 | $255,000 | -92.8% | 0.0% |
| LIMA ONE CAPITAL, LLC | $245,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $245,000 | n/a | 0.0% | |
| Ixonia Bank | $235,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $225,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $1,320,000 | $215,000 | -83.7% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $215,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $3,855,000 | $205,000 | -94.7% | 0.0% |
| Notre Dame Federal Credit Union Corporation | $205,000 | n/a | 0.0% | |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $195,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $105,000 | $190,000 | 81.0% | 0.0% |
| FIRST TECHNOLOGY | $185,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $175,000 | n/a | 0.0% | |
| HomeTrust Bank | $155,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $495,000 | $155,000 | -68.7% | 0.0% |
| SPRING EQ, LLC | $2,210,000 | $145,000 | -93.4% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $3,600,000 | $135,000 | -96.3% | 0.0% |
| Unison Bank | $105,000 | $135,000 | 28.6% | 0.0% |
| Willamette Valley Bank | $135,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $720,000 | $115,000 | -84.0% | 0.0% |
| Arvest Bank | $95,000 | $105,000 | 10.5% | 0.0% |
| GFA Federal Credit Union | $105,000 | n/a | 0.0% | |
| HUGHES FEDERAL CREDIT UNION | $280,000 | $105,000 | -62.5% | 0.0% |
| Landings Credit Union | $105,000 | n/a | 0.0% | |
| GREAT LAKES | $85,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $85,000 | n/a | 0.0% | |
| CHEVRON | $75,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $75,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $75,000 | n/a | 0.0% | |
| BNC National Bank | $1,815,000 | $65,000 | -96.4% | 0.0% |
| Deere Employees Credit Union | $55,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $55,000 | n/a | 0.0% | |
| ITHINK FINANCIAL Credit Union | $815,000 | $55,000 | -93.3% | 0.0% |
| AERO Federal Credit Union | $45,000 | n/a | 0.0% |
FLAGSTAFF's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 9.7% market share. In second place, with 6.3%, is QUICKEN LOANS, LLC, having originated $55,080,000 in loans. In third place, with 4.0%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $35,095,000 in loans. In fourth place, with 3.9%, is WALKER & DUNLOP, LLC, having originated $34,000,000 in loans. In fifth place, with 3.8%, is OneAZ Credit Union, having originated $33,040,000 in loans.
FLAGSTAFF, AZ Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 85928 | Flagstaff, AZ MSA | $1,230 | $1,310 | $1,620 | $1,980 | $2,390 |
| 85931 | Flagstaff, AZ MSA | $1,230 | $1,310 | $1,620 | $1,980 | $2,390 |
| 86001 | Flagstaff, AZ MSA | $1,400 | $1,490 | $1,840 | $2,250 | $2,720 |
| 86002 | Flagstaff, AZ MSA | $1,230 | $1,310 | $1,620 | $1,980 | $2,390 |
| 86003 | Flagstaff, AZ MSA | $1,280 | $1,360 | $1,680 | $2,050 | $2,480 |
| 86004 | Flagstaff, AZ MSA | $1,280 | $1,360 | $1,680 | $2,050 | $2,480 |
| 86005 | Flagstaff, AZ MSA | $1,230 | $1,310 | $1,620 | $1,980 | $2,390 |
| 86011 | Flagstaff, AZ MSA | $1,400 | $1,490 | $1,840 | $2,250 | $2,720 |
| 86015 | Flagstaff, AZ MSA | $1,400 | $1,490 | $1,840 | $2,250 | $2,720 |
| 86016 | Flagstaff, AZ MSA | $1,130 | $1,200 | $1,480 | $1,810 | $2,190 |
| 86017 | Flagstaff, AZ MSA | $1,270 | $1,420 | $1,750 | $2,250 | $2,670 |
| 86018 | Flagstaff, AZ MSA | $1,240 | $1,260 | $1,600 | $2,020 | $2,430 |
| 86020 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86022 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86023 | Flagstaff, AZ MSA | $1,230 | $1,310 | $1,620 | $1,980 | $2,390 |
| 86024 | Flagstaff, AZ MSA | $1,700 | $1,810 | $2,240 | $2,740 | $3,310 |
| 86030 | Flagstaff, AZ MSA | $1,230 | $1,310 | $1,620 | $1,980 | $2,390 |
| 86035 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86036 | Flagstaff, AZ MSA | $1,230 | $1,310 | $1,620 | $1,980 | $2,390 |
| 86038 | Flagstaff, AZ MSA | $1,600 | $1,710 | $2,110 | $2,580 | $3,120 |
| 86040 | Flagstaff, AZ MSA | $1,090 | $1,160 | $1,430 | $1,750 | $2,110 |
| 86044 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86045 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86046 | Flagstaff, AZ MSA | $1,060 | $1,130 | $1,390 | $1,700 | $2,050 |
| 86047 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86052 | Flagstaff, AZ MSA | $1,230 | $1,310 | $1,620 | $1,980 | $2,390 |
| 86053 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86054 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86320 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86336 | Flagstaff, AZ MSA | $1,130 | $1,330 | $1,630 | $2,180 | $2,550 |
| 86337 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
| 86339 | Flagstaff, AZ MSA | $1,230 | $1,310 | $1,620 | $1,980 | $2,390 |
| 86435 | Flagstaff, AZ MSA | $1,030 | $1,050 | $1,330 | $1,690 | $2,030 |
2022 Average & Median Rent Data Statistics
FLAGSTAFF, AZ average 1BR rent: $1,259, median: $1,310
FLAGSTAFF, AZ average 2BR rent: $1,567, median: $1,620
FLAGSTAFF, AZ average 3BR rent: $1,948, median: $1,980
FLAGSTAFF, AZ Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,306 | $650,920,000 | $498,407 |
| Home Improvement | 235 | $36,645,000 | $155,936 |
| Cash Out Refi | 233 | $65,825,000 | $282,511 |
| Other | 181 | $38,405,000 | $212,182 |
| Refi | 127 | $88,015,000 | $693,031 |
Flagstaff's most frequently cited loan purpose was Home Purchase, with 1,306 originations. The 2nd most popular reason was Home Improvement, with 235 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 731 | $322,105,000 | $440,636 |
| 7-8% | 599 | $231,275,000 | $386,102 |
| Over 8% | 356 | $87,450,000 | $245,646 |
| 5-6% | 321 | $205,995,000 | $641,729 |
| 4-5% | 47 | $16,475,000 | $350,532 |
| <2.5% | 7 | $1,565,000 | $223,571 |
| 3-4% | 5 | $1,605,000 | $321,000 |
| 2.5-3% | 2 | $580,000 | $290,000 |
During 2023, Flagstaff's most frequently originated rate bucket was 6-7%, with 731 originations.
Loan Sizing (FLAGSTAFF, AZ MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 707 | $211,805,000 | $299,583 |
| $400k-600k | 492 | $236,870,000 | $481,443 |
| $100k-200k | 294 | $41,950,000 | $142,687 |
| $600k-1000k | 250 | $179,290,000 | $717,160 |
| $100,000 or less | 249 | $14,825,000 | $59,538 |
| $Over $1MM | 90 | $195,070,000 | $2,167,444 |
FLAGSTAFF's loan sizing saw the bucket of loans from $200k-400k with 707 originations, totaling $211,805,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 649 | $311,595,000 | $480,116 |
| 60-80% | 573 | $350,895,000 | $612,382 |
| Under 20% | 324 | $29,260,000 | $90,309 |
| 40-60% | 250 | $91,020,000 | $364,080 |
| 20-40% | 244 | $72,460,000 | $296,967 |
| Over 100% | 20 | $8,940,000 | $447,000 |
FLAGSTAFF's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 649 originations, totaling $311,595,000 in origination value.