PRESCOTT VALLEY - PRESCOTT Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Prescott Valley - Prescott averaged
7.09%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
7.04% and
one month ago for the week of 2025-04-17, the
average rate was 6.96%.
Prescott Valley - Prescott's average rate one year ago was 6.95%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.72%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Prescott Valley - Prescott 30 Year Fixed Rate | 2025-05-22 | 7.09% |
| Prescott Valley - Prescott 30 Year Fixed Rate Refi | 2025-05-22 | 6.72% |
| Prescott Valley - Prescott 15 Year Fixed Rate | 2025-05-22 | 6.11% |
| Prescott Valley - Prescott 15 Year Fixed Rate Refi | 2025-05-22 | 6.41% |
| Prescott Valley - Prescott 30 Year FHA | 2025-05-22 | 6.36% |
| Prescott Valley - Prescott 30 Year FHA Refi | 2025-05-22 | 6.27% |
| Prescott Valley - Prescott 30 Year USDA | 2025-05-22 | 6.63% |
| Prescott Valley - Prescott 30 Year USDA Refi | 2025-05-22 | 6.53% |
| Prescott Valley - Prescott 30 Year VA | 2025-05-22 | 6.69% |
| Prescott Valley - Prescott 30 Year VA Refi | 2025-05-22 | 5.73% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within PRESCOTT VALLEY-PRESCOTT, AZ.
PRESCOTT VALLEY - PRESCOTT 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 PRESCOTT VALLEY-PRESCOTT, 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.).
PRESCOTT VALLEY - PRESCOTT Average Closing Costs & Other Stats
PRESCOTT VALLEY-PRESCOTT, AZ's 238 lenders originated 6,224
loans during 2024. The total origination value was $1,976,080,000, with an average loan value of
$317,494.
PRESCOTT VALLEY - PRESCOTT's average closing costs are $5,821.
The top PRESCOTT VALLEY - PRESCOTT lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
324 loans originated. Their average total fees are
$8,225, which is $607
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee PRESCOTT VALLEY - PRESCOTT lenders (with over 10 loans originated) are
Shea Mortgage Inc. ($2,748), JPMorgan Chase Bank ($4,416), CREDIT UNION WEST ($4,774), STARBOARD FINANCIAL MANAGEMENT, LLC ($4,871) and OneAZ Credit Union ($4,951).
The lowest rate PRESCOTT VALLEY - PRESCOTT lenders (with over 10 loans originated) are
NAVY FEDERAL CREDIT UNION (6.02%), CLM MORTGAGE, INC (6.10%), Morgan Stanley Private Bank (6.11%), Bank of America (6.23%) and ARK-LA-TEX FINANCIAL SERVICES, LLC. (6.32%).
PRESCOTT VALLEY-PRESCOTT, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $189,550,000 | $236,175,000 | 24.6% | 12.0% |
| QUICKEN LOANS, LLC | $102,160,000 | $150,045,000 | 46.9% | 7.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $85,905,000 | $78,840,000 | -8.2% | 4.0% |
| GUILD MORTGAGE COMPANY | $49,680,000 | $71,925,000 | 44.8% | 3.6% |
| OneAZ Credit Union | $59,370,000 | $58,020,000 | -2.3% | 2.9% |
| GARDNER FINANCIAL SERVICES, LTD. | $11,915,000 | $53,095,000 | 345.6% | 2.7% |
| Zions Bank | $33,310,000 | $45,920,000 | 37.9% | 2.3% |
| V.I.P. MORTGAGE, INC. | $40,745,000 | $44,815,000 | 10.0% | 2.3% |
| Glacier Bank | $22,420,000 | $30,770,000 | 37.2% | 1.6% |
| U.S. Bank | $27,310,000 | $29,445,000 | 7.8% | 1.5% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $37,505,000 | $29,160,000 | -22.3% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $15,070,000 | $28,010,000 | 85.9% | 1.4% |
| JPMorgan Chase Bank | $23,740,000 | $26,680,000 | 12.4% | 1.4% |
| Mortgage Research Center, LLC | $15,475,000 | $25,725,000 | 66.2% | 1.3% |
| Bank of Colorado | $16,385,000 | $25,440,000 | 55.3% | 1.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $42,585,000 | $24,215,000 | -43.1% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $5,360,000 | $22,015,000 | 310.7% | 1.1% |
| BMO Harris Bank | $10,940,000 | $21,725,000 | 98.6% | 1.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $14,005,000 | $21,650,000 | 54.6% | 1.1% |
| S1L, Inc. | $13,945,000 | $20,670,000 | 48.2% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $18,440,000 | $20,655,000 | 12.0% | 1.0% |
| Paramount Residential Mortgage Group, Inc. | $15,910,000 | $20,565,000 | 29.3% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $18,320,000 | $20,490,000 | 11.8% | 1.0% |
| CMG MORTGAGE, INC. | $10,425,000 | $19,805,000 | 90.0% | 1.0% |
| DESERT FINANCIAL FEDERAL CREDIT UNION | $9,625,000 | $19,220,000 | 99.7% | 1.0% |
| The Loan Store, Inc. | $2,655,000 | $18,335,000 | 590.6% | 0.9% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $19,185,000 | $18,180,000 | -5.2% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,440,000 | $15,520,000 | 83.9% | 0.8% |
| GUARANTEED RATE, INC. | $11,835,000 | $13,890,000 | 17.4% | 0.7% |
| Nations Lending Corporation | $13,140,000 | $13,370,000 | 1.8% | 0.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $17,870,000 | $12,935,000 | -27.6% | 0.7% |
| MORIA DEVELOPMENT, INC. | $7,400,000 | $12,810,000 | 73.1% | 0.6% |
| UNION HOME MORTGAGE CORP. | $5,520,000 | $12,535,000 | 127.1% | 0.6% |
| Bank of America | $15,760,000 | $12,360,000 | -21.6% | 0.6% |
| Wells Fargo Bank | $22,195,000 | $12,205,000 | -45.0% | 0.6% |
| LOANDEPOT.COM, LLC | $13,600,000 | $11,810,000 | -13.2% | 0.6% |
| NEWREZ LLC | $3,125,000 | $11,495,000 | 267.8% | 0.6% |
| Sierra Pacific Mortgage Company, Inc. | $9,290,000 | $11,060,000 | 19.1% | 0.6% |
| BROKER SOLUTIONS, INC. | $9,620,000 | $11,045,000 | 14.8% | 0.6% |
| INTERCAP LENDING INC. | $2,460,000 | $10,730,000 | 336.2% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $5,770,000 | $10,725,000 | 85.9% | 0.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $15,685,000 | $10,430,000 | -33.5% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $4,020,000 | $10,130,000 | 152.0% | 0.5% |
| CREDIT UNION WEST | $9,135,000 | $9,875,000 | 8.1% | 0.5% |
| ON Q FINANCIAL, INC. | $14,640,000 | $9,660,000 | -34.0% | 0.5% |
| Morgan Stanley Private Bank | $9,485,000 | $9,535,000 | 0.5% | 0.5% |
| Equity Prime Mortgage LLC | $4,080,000 | $9,115,000 | 123.4% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $13,700,000 | $9,015,000 | -34.2% | 0.5% |
| Charles Schwab Bank, SSB | $4,265,000 | $8,330,000 | 95.3% | 0.4% |
| CLM MORTGAGE, INC | $8,080,000 | n/a | 0.4% | |
| PLAZA HOME MORTGAGE, INC. | $5,835,000 | $7,935,000 | 36.0% | 0.4% |
| PNC Bank | $6,860,000 | $7,910,000 | 15.3% | 0.4% |
| Flagstar Bank, FSB | $8,015,000 | $7,465,000 | -6.9% | 0.4% |
| Citadel Servicing Corporation | $4,715,000 | $7,365,000 | 56.2% | 0.4% |
| Wallick & Volk, Inc. | $11,170,000 | $7,315,000 | -34.5% | 0.4% |
| Plains Commerce Bank | $2,815,000 | $7,115,000 | 152.8% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $9,590,000 | $6,910,000 | -27.9% | 0.3% |
| ORIX REAL ESTATE CAPITAL, LLC | $6,855,000 | n/a | 0.3% | |
| CORNERSTONE HOME LENDING, INC. | $6,785,000 | n/a | 0.3% | |
| Shea Mortgage Inc. | $10,580,000 | $6,585,000 | -37.8% | 0.3% |
| Commerce Home Mortgage, Inc. | $4,545,000 | $6,545,000 | 44.0% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $755,000 | $6,475,000 | 757.6% | 0.3% |
| Adams Bank & Trust | $12,680,000 | $6,220,000 | -50.9% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $6,445,000 | $6,120,000 | -5.0% | 0.3% |
| Loan Simple, Inc. | $6,815,000 | $5,965,000 | -12.5% | 0.3% |
| MOUNTAIN AMERICA | $4,515,000 | $5,850,000 | 29.6% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $5,705,000 | $5,815,000 | 1.9% | 0.3% |
| Waterstone Mortgage Corporation | $7,425,000 | $5,810,000 | -21.8% | 0.3% |
| Bell Bank | $6,125,000 | $5,685,000 | -7.2% | 0.3% |
| Washington Federal Bank | $5,060,000 | $5,540,000 | 9.5% | 0.3% |
| USAA Federal Savings Bank | $5,440,000 | $5,500,000 | 1.1% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $1,615,000 | $5,440,000 | 236.8% | 0.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,830,000 | $5,330,000 | 88.3% | 0.3% |
| 21ST MORTGAGE CORPORATION | $3,880,000 | $5,185,000 | 33.6% | 0.3% |
| PHH Mortgage Corporation | $2,995,000 | $5,020,000 | 67.6% | 0.3% |
| Figure Lending LLC | $2,025,000 | $4,915,000 | 142.7% | 0.2% |
| Prosperity Home Mortgage, LLC | $6,110,000 | $4,835,000 | -20.9% | 0.2% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $6,245,000 | $4,680,000 | -25.1% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $6,235,000 | $4,555,000 | -26.9% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $4,665,000 | $4,555,000 | -2.4% | 0.2% |
| LENDSURE MORTGAGE CORP. | $2,365,000 | $4,435,000 | 87.5% | 0.2% |
| NP, Inc. | $605,000 | $4,375,000 | 623.1% | 0.2% |
| Discover Bank | $2,600,000 | $4,330,000 | 66.5% | 0.2% |
| Cornerstone First Mortgage, Inc | $645,000 | $4,320,000 | 569.8% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,135,000 | $4,280,000 | 277.1% | 0.2% |
| TRUWEST Credit Union | $2,215,000 | $4,280,000 | 93.2% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,675,000 | $4,275,000 | 59.8% | 0.2% |
| Sunflower Bank | $2,335,000 | $4,255,000 | 82.2% | 0.2% |
| Carrington Mortgage Services, LLC | $3,365,000 | $4,220,000 | 25.4% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $3,950,000 | $4,210,000 | 6.6% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,080,000 | $4,065,000 | 276.4% | 0.2% |
| ARIZONA | $6,860,000 | $4,035,000 | -41.2% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $1,860,000 | $3,935,000 | 111.6% | 0.2% |
| ARC HOME LLC | $1,025,000 | $3,910,000 | 281.5% | 0.2% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $1,640,000 | $3,860,000 | 135.4% | 0.2% |
| GENEVA FINANCIAL, LLC | $935,000 | $3,835,000 | 310.2% | 0.2% |
| American Airlines Federal Credit Union | $1,020,000 | $3,775,000 | 270.1% | 0.2% |
| Wilmington Savings Fund Society, FSB | $3,760,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $3,400,000 | $3,715,000 | 9.3% | 0.2% |
| PLANET HOME LENDING, LLC | $1,710,000 | $3,710,000 | 117.0% | 0.2% |
| NEW DAY FINANCIAL, LLC | $5,305,000 | $3,560,000 | -32.9% | 0.2% |
| AMERICA FIRST | $2,265,000 | $3,545,000 | 56.5% | 0.2% |
| ALLIANT CREDIT UNION | $2,715,000 | $3,510,000 | 29.3% | 0.2% |
| OCMBC, INC. | $4,870,000 | $3,505,000 | -28.0% | 0.2% |
| NBKC BANK | $2,680,000 | $3,475,000 | 29.7% | 0.2% |
| NexBank | $4,245,000 | $3,440,000 | -19.0% | 0.2% |
| OAKTREE FUNDING CORP. | $560,000 | $3,400,000 | 507.1% | 0.2% |
| AMERICAN FINANCING CORPORATION | $1,920,000 | $3,310,000 | 72.4% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $6,090,000 | $3,135,000 | -48.5% | 0.2% |
| DEFINE MORTGAGE SOLUTIONS, LLC | $5,995,000 | $3,060,000 | -49.0% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $2,255,000 | $2,975,000 | 31.9% | 0.2% |
| ENVOY MORTGAGE, LTD | $1,710,000 | $2,955,000 | 72.8% | 0.1% |
| SUN AMERICAN MORTGAGE COMPANY | $1,715,000 | $2,885,000 | 68.2% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $2,900,000 | $2,865,000 | -1.2% | 0.1% |
| UMB Bank | $2,985,000 | $2,865,000 | -4.0% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $2,210,000 | $2,855,000 | 29.2% | 0.1% |
| RESIDENTIAL MORTGAGE, LLC | $1,635,000 | $2,800,000 | 71.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,290,000 | $2,765,000 | 114.3% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,365,000 | $2,755,000 | 101.8% | 0.1% |
| FBC MORTGAGE, LLC | $2,815,000 | $2,595,000 | -7.8% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $3,020,000 | $2,560,000 | -15.2% | 0.1% |
| CARDINAL FINANCIAL | $2,455,000 | $2,530,000 | 3.1% | 0.1% |
| UBS Bank USA | $2,080,000 | $2,525,000 | 21.4% | 0.1% |
| HILTON FINANCIAL CORPORATION | $2,080,000 | $2,405,000 | 15.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,255,000 | $2,385,000 | 90.0% | 0.1% |
| DIRECT MORTGAGE LOANS, LLC | $2,375,000 | n/a | 0.1% | |
| TrustBank | $1,345,000 | $2,285,000 | 69.9% | 0.1% |
| LOANPAL, LLC | $2,610,000 | $2,245,000 | -14.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,590,000 | $2,205,000 | 38.7% | 0.1% |
| Hometown Equity Mortgage, LLC | $970,000 | $2,160,000 | 122.7% | 0.1% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | $105,000 | $2,135,000 | 1,933.3% | 0.1% |
| Luxury Mortgage Corp. | $2,005,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $3,425,000 | $1,990,000 | -41.9% | 0.1% |
| First United Bank and Trust Company | $1,965,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $1,935,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $3,655,000 | $1,925,000 | -47.3% | 0.1% |
| Merchants Mortgage & Trust Corporation | $170,000 | $1,915,000 | 1,026.5% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,360,000 | $1,855,000 | 36.4% | 0.1% |
| GREENSTATE CREDIT UNION | $1,830,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $365,000 | $1,800,000 | 393.2% | 0.1% |
| ALTITUDE FINANCIAL CORPORATION | $800,000 | $1,790,000 | 123.8% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,390,000 | $1,775,000 | 27.7% | 0.1% |
| Amarillo National Bank | $1,735,000 | n/a | 0.1% | |
| NuVision Federal Credit Union | $425,000 | $1,735,000 | 308.2% | 0.1% |
| FIRST MORTGAGE COMPANY, INC. | $1,650,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $1,030,000 | $1,635,000 | 58.7% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,205,000 | $1,610,000 | 33.6% | 0.1% |
| Fifth Third Bank | $1,600,000 | n/a | 0.1% | |
| Unison Bank | $1,035,000 | $1,585,000 | 53.1% | 0.1% |
| M&T Bank | $1,575,000 | n/a | 0.1% | |
| LADERA LENDING, INC. | $1,330,000 | $1,555,000 | 16.9% | 0.1% |
| MICHIGAN MUTUAL, INC. | $1,405,000 | $1,540,000 | 9.6% | 0.1% |
| SPRING EQ, LLC | $935,000 | $1,540,000 | 64.7% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,580,000 | $1,525,000 | -3.5% | 0.1% |
| KS StateBank | $635,000 | $1,525,000 | 140.2% | 0.1% |
| First Western Trust Bank | $830,000 | $1,510,000 | 81.9% | 0.1% |
| Home Federal Savings & Loan Association of Grand Island | $125,000 | $1,505,000 | 1,104.0% | 0.1% |
| Raymond James Bank | $1,605,000 | $1,480,000 | -7.8% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,935,000 | $1,470,000 | -24.0% | 0.1% |
| Coastal Community Bank | $1,705,000 | $1,435,000 | -15.8% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $295,000 | $1,380,000 | 367.8% | 0.1% |
| HighTechLending Inc | $760,000 | $1,335,000 | 75.7% | 0.1% |
| Lakeview Community Capital, LLC | $55,000 | $1,335,000 | 2,327.3% | 0.1% |
| Northpointe Bank | $3,410,000 | $1,330,000 | -61.0% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $225,000 | $1,325,000 | 488.9% | 0.1% |
| Golden Empire Mortgage, Inc. | $725,000 | $1,310,000 | 80.7% | 0.1% |
| Bethpage Federal Credit Union | $1,345,000 | $1,270,000 | -5.6% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $3,715,000 | $1,270,000 | -65.8% | 0.1% |
| EVERETT FINANCIAL, INC. | $1,635,000 | $1,255,000 | -23.2% | 0.1% |
| Northbrook Bank & Trust | $1,255,000 | n/a | 0.1% | |
| The Huntington National Bank | $205,000 | $1,240,000 | 504.9% | 0.1% |
| SUMMIT FUNDING, INC. | $2,150,000 | $1,235,000 | -42.6% | 0.1% |
| SIRVA MORTGAGE, INC. | $275,000 | $1,230,000 | 347.3% | 0.1% |
| FM Home Loans, LLC | $1,215,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $1,540,000 | $1,110,000 | -27.9% | 0.1% |
| ALAMEDA MORTGAGE CORPORATION | $1,105,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $3,530,000 | $1,085,000 | -69.3% | 0.1% |
| RESIDENTIAL BANCORP | $255,000 | $1,050,000 | 311.8% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $2,790,000 | $1,040,000 | -62.7% | 0.1% |
| MidFirst Bank | $2,540,000 | $1,010,000 | -60.2% | 0.1% |
| NFM, INC. | $47,135,000 | $1,010,000 | -97.9% | 0.1% |
| MORTGAGEONE, INC. | $1,000,000 | n/a | 0.1% | |
| SWH FUNDING, LLC | $1,655,000 | $1,000,000 | -39.6% | 0.1% |
| Citibank | $1,295,000 | $975,000 | -24.7% | 0.0% |
| COMMUNITYAMERICA | $960,000 | n/a | 0.0% | |
| Canyon State Credit Union | $635,000 | $925,000 | 45.7% | 0.0% |
| First Federal Bank | $570,000 | $925,000 | 62.3% | 0.0% |
| LIMA ONE CAPITAL, LLC | $915,000 | n/a | 0.0% | |
| NBH Bank | $905,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $900,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $780,000 | $890,000 | 14.1% | 0.0% |
| City National Bank | $1,120,000 | $885,000 | -21.0% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $855,000 | $870,000 | 1.8% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $865,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $75,000 | $830,000 | 1,006.7% | 0.0% |
| DAS Acquisition Company, LLC | $1,130,000 | $790,000 | -30.1% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $360,000 | $790,000 | 119.4% | 0.0% |
| Stride Bank | $790,000 | n/a | 0.0% | |
| Connexus Credit Union | $415,000 | $785,000 | 89.2% | 0.0% |
| FUNDLOANS CAPITAL | $1,260,000 | $785,000 | -37.7% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,105,000 | $770,000 | -30.3% | 0.0% |
| First State Bank of St. Charles, Missouri | $605,000 | $765,000 | 26.4% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $765,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $800,000 | $750,000 | -6.3% | 0.0% |
| POINT Mortgage | $460,000 | $735,000 | 59.8% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $715,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $710,000 | n/a | 0.0% | |
| Ixonia Bank | $670,000 | $710,000 | 6.0% | 0.0% |
| Pacific Lending LLC | $705,000 | n/a | 0.0% | |
| BNC National Bank | $385,000 | $695,000 | 80.5% | 0.0% |
| Firefighters First Federal Credit Union | $2,395,000 | $695,000 | -71.0% | 0.0% |
| Prosperity Bank | $695,000 | n/a | 0.0% | |
| Western State Bank | $305,000 | $690,000 | 126.2% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $675,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $670,000 | n/a | 0.0% | |
| Bank of England | $405,000 | $665,000 | 64.2% | 0.0% |
| DIRECT MORTGAGE, CORP. | $655,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $655,000 | n/a | 0.0% | |
| ITHINK FINANCIAL Credit Union | $650,000 | n/a | 0.0% | |
| BAY-VALLEY MORTGAGE GROUP | $890,000 | $630,000 | -29.2% | 0.0% |
| TruHome Solutions, LLC | $630,000 | n/a | 0.0% | |
| Willamette Valley Bank | $625,000 | n/a | 0.0% | |
| Northwest Farm Credit Services, FLCA | $115,000 | $620,000 | 439.1% | 0.0% |
| ADVANTAGE PLUS | $615,000 | n/a | 0.0% | |
| Central Bank | $595,000 | n/a | 0.0% | |
| KINECTA | $2,960,000 | $595,000 | -79.9% | 0.0% |
| North American Savings Bank, F.S.B. | $325,000 | $595,000 | 83.1% | 0.0% |
| Performance Financial, Inc. | $595,000 | n/a | 0.0% | |
| GREENWOOD | $730,000 | $590,000 | -19.2% | 0.0% |
| 1st Security Bank of Washington | $485,000 | $585,000 | 20.6% | 0.0% |
| MLD MORTGAGE INC. | $175,000 | $585,000 | 234.3% | 0.0% |
| Gateway First Bank | $315,000 | $570,000 | 81.0% | 0.0% |
| BETTER MORTGAGE CORPORATION | $930,000 | $565,000 | -39.2% | 0.0% |
| First Interstate Bank | $565,000 | n/a | 0.0% | |
| Citizens Bank | $550,000 | n/a | 0.0% | |
| Heritage Bank | $545,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $540,000 | n/a | 0.0% | |
| Alerus Financial | $535,000 | n/a | 0.0% | |
| Horizon Bank | $525,000 | n/a | 0.0% | |
| Goldman Sachs Bank USA | $515,000 | n/a | 0.0% | |
| First National Bank of Omaha | $515,000 | $505,000 | -1.9% | 0.0% |
| CLEARPATH LENDING | $1,325,000 | $500,000 | -62.3% | 0.0% |
| First Savings Bank | $755,000 | $495,000 | -34.4% | 0.0% |
| AHL FUNDING | $485,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,320,000 | $485,000 | -63.3% | 0.0% |
| Leader Bank | $485,000 | n/a | 0.0% | |
| Ally Bank | $1,045,000 | $480,000 | -54.1% | 0.0% |
| Chickasaw Community Bank | $475,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $475,000 | n/a | 0.0% | |
| ARIZONA CENTRAL | $480,000 | $465,000 | -3.1% | 0.0% |
| SWBC MORTGAGE CORPORATION | $500,000 | $465,000 | -7.0% | 0.0% |
| The Federal Savings Bank | $5,580,000 | $455,000 | -91.8% | 0.0% |
| GTE Federal Credit Union | $270,000 | $450,000 | 66.7% | 0.0% |
| PIMA Federal Credit Union | $205,000 | $445,000 | 117.1% | 0.0% |
| Ameris Bank | $375,000 | $435,000 | 16.0% | 0.0% |
| Alaska USA Federal Credit Union | $350,000 | $430,000 | 22.9% | 0.0% |
| OPEN MORTGAGE, LLC | $1,330,000 | $430,000 | -67.7% | 0.0% |
| Broadway National Bank | $425,000 | n/a | 0.0% | |
| Capital Bank | $425,000 | n/a | 0.0% | |
| IDAHO CENTRAL | $405,000 | $425,000 | 4.9% | 0.0% |
| Superior Credit Union, Inc. | $425,000 | n/a | 0.0% | |
| The Dart Bank | $425,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $420,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $410,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $165,000 | $405,000 | 145.5% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $395,000 | $405,000 | 2.5% | 0.0% |
| Truist | $1,060,000 | $405,000 | -61.8% | 0.0% |
| BayCoast Bank | $155,000 | $395,000 | 154.8% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $395,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $1,560,000 | $380,000 | -75.6% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $175,000 | $375,000 | 114.3% | 0.0% |
| HomeStreet Bank | $375,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $695,000 | $365,000 | -47.5% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $155,000 | $365,000 | 135.5% | 0.0% |
| Mid-America Bank | $365,000 | n/a | 0.0% | |
| NEW WEST LENDING, INC. | $365,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $335,000 | $355,000 | 6.0% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $405,000 | $355,000 | -12.3% | 0.0% |
| CITYWIDE HOME LOANS, LLC | $1,375,000 | $345,000 | -74.9% | 0.0% |
| Notre Dame Federal Credit Union Corporation | $335,000 | n/a | 0.0% | |
| SECURITY HOME MORTGAGE, LLC. | $405,000 | $335,000 | -17.3% | 0.0% |
| Armed Forces Bank | $555,000 | $325,000 | -41.4% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $325,000 | n/a | 0.0% | |
| Platte Valley Bank | $325,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $355,000 | $315,000 | -11.3% | 0.0% |
| JMAC LENDING, INC. | $315,000 | n/a | 0.0% | |
| D. L. Evans Bank | $305,000 | n/a | 0.0% | |
| FIELD & MAIN BANK, INC. | $305,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $835,000 | $295,000 | -64.7% | 0.0% |
| Home Mortgage Alliance Corp | $275,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,255,000 | $275,000 | -87.8% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $580,000 | $265,000 | -54.3% | 0.0% |
| VERITAS FUNDING, LLC | $885,000 | $265,000 | -70.1% | 0.0% |
| T2 FINANCIAL LLC | $2,150,000 | $260,000 | -87.9% | 0.0% |
| FISHER FINANCIAL GROUP, INCORPORATED | $485,000 | $255,000 | -47.4% | 0.0% |
| LA Financial Federal Credit Union | $255,000 | n/a | 0.0% | |
| PURDUE FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $255,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $245,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $195,000 | $240,000 | 23.1% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $235,000 | n/a | 0.0% | |
| Logan Finance Corporation | $1,365,000 | $235,000 | -82.8% | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | $65,000 | $225,000 | 246.2% | 0.0% |
| ONY GLO, INC. | $220,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $475,000 | $215,000 | -54.7% | 0.0% |
| FirstBank | $315,000 | $215,000 | -31.7% | 0.0% |
| Johnson Bank | $505,000 | $215,000 | -57.4% | 0.0% |
| HUNT MORTGAGE CORPORATION | $210,000 | n/a | 0.0% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $620,000 | $210,000 | -66.1% | 0.0% |
| Comerica Bank | $440,000 | $205,000 | -53.4% | 0.0% |
| First Horizon Bank | $615,000 | $205,000 | -66.7% | 0.0% |
| JMJ FINANCIAL GROUP | $715,000 | $205,000 | -71.3% | 0.0% |
| Key Mortgage Services, Inc. | $205,000 | n/a | 0.0% | |
| Blue Federal Credit Union | $195,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $195,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $175,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $175,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $45,000 | $170,000 | 277.8% | 0.0% |
| First Credit Union | $385,000 | $165,000 | -57.1% | 0.0% |
| Umpqua Bank | $1,270,000 | $155,000 | -87.8% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $305,000 | $140,000 | -54.1% | 0.0% |
| HUGHES FEDERAL CREDIT UNION | $250,000 | $135,000 | -46.0% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $125,000 | n/a | 0.0% | |
| AERO Federal Credit Union | $510,000 | $120,000 | -76.5% | 0.0% |
| First National Bank of America | $115,000 | n/a | 0.0% | |
| BOKF | $580,000 | $95,000 | -83.6% | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | $85,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $75,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $75,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $75,000 | n/a | 0.0% | |
| Liberty Savings Bank, F.S.B. | $65,000 | n/a | 0.0% | |
| Service Federal Credit Union | $65,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $65,000 | n/a | 0.0% | |
| VANTAGE WEST | $1,350,000 | $65,000 | -95.2% | 0.0% |
| F&A Federal Credit Union | $790,000 | $55,000 | -93.0% | 0.0% |
| FirstBank | $315,000 | $55,000 | -82.5% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $55,000 | n/a | 0.0% | |
| Baxter Credit Union | $780,000 | $35,000 | -95.5% | 0.0% |
| TOWN AND COUNTRY Credit Union | $25,000 | n/a | 0.0% | |
| ALTRA | $15,000 | n/a | 0.0% |
PRESCOTT VALLEY - PRESCOTT's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 12.0% market share. In second place, with 7.6%, is QUICKEN LOANS, LLC, having originated $150,045,000 in loans. In third place, with 4.0%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $78,840,000 in loans. In fourth place, with 3.6%, is GUILD MORTGAGE COMPANY, having originated $71,925,000 in loans. In fifth place, with 2.9%, is OneAZ Credit Union, having originated $58,020,000 in loans.
PRESCOTT VALLEY-PRESCOTT, AZ Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,394 | $1,326,800,000 | $390,925 |
| Cash Out Refi | 878 | $216,850,000 | $246,982 |
| Other | 727 | $96,155,000 | $132,263 |
| Refi | 695 | $261,375,000 | $376,079 |
| Home Improvement | 525 | $71,685,000 | $136,543 |
| NA | 5 | $3,215,000 | $643,000 |
Prescott Valley - Prescott's most frequently cited loan purpose was Home Purchase, with 3,394 originations. The 2nd most popular reason was Cash Out Refi, with 878 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,475 | $898,265,000 | $362,935 |
| 7-8% | 1,384 | $465,570,000 | $336,395 |
| Over 8% | 1,327 | $230,485,000 | $173,689 |
| 5-6% | 926 | $342,670,000 | $370,054 |
| 4-5% | 63 | $23,585,000 | $374,365 |
| <2.5% | 13 | $2,125,000 | $163,462 |
| 2.5-3% | 11 | $3,675,000 | $334,091 |
| 3-4% | 5 | $1,465,000 | $293,000 |
During 2024, Prescott Valley - Prescott's most frequently originated rate bucket was 6-7%, with 2,475 originations.
Loan Sizing (PRESCOTT VALLEY-PRESCOTT, AZ MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,495 | $739,095,000 | $296,230 |
| $400k-600k | 1,132 | $538,970,000 | $476,122 |
| $100k-200k | 1,090 | $157,230,000 | $144,248 |
| $100,000 or less | 991 | $57,745,000 | $58,269 |
| $600k-1000k | 403 | $290,545,000 | $720,955 |
| $Over $1MM | 113 | $192,495,000 | $1,703,496 |
PRESCOTT VALLEY - PRESCOTT's loan sizing saw the bucket of loans from $200k-400k with 2,495 originations, totaling $739,095,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,802 | $739,800,000 | $410,544 |
| 60-80% | 1,383 | $597,965,000 | $432,368 |
| Under 20% | 1,077 | $81,895,000 | $76,040 |
| 20-40% | 893 | $175,915,000 | $196,993 |
| 40-60% | 879 | $285,685,000 | $325,011 |
| Over 100% | 74 | $53,270,000 | $719,865 |
PRESCOTT VALLEY - PRESCOTT's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,802 originations, totaling $739,800,000 in origination value.