Safford Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Safford averaged 6.51% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 6.61% and one month ago for the week of 2025-05-29, the average rate was 7.03%.

Safford's average rate one year ago was 6.8%.

For refis of the same type during the week of 2025-07-03, the average rate was 6.67%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Safford 30 Year Fixed Rate 2025-07-03 6.51%
Safford 30 Year Fixed Rate Refi 2025-07-03 6.67%
Safford 15 Year Fixed Rate 2025-07-03 5.8%
Safford 15 Year Fixed Rate Refi 2025-07-03 6%
Safford 30 Year FHA 2025-07-03 -0.01%
Safford 30 Year FHA Refi 2025-07-03 0%
Safford 30 Year USDA 2025-07-03 0.2%
Safford 30 Year USDA Refi 2025-07-03 0%
Safford 30 Year VA 2025-07-03 0%
Safford 30 Year VA Refi 2025-07-03 0%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Safford, AZ.

Safford 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 Safford, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
OneAZ Credit Union 35 6.20% $5,260
QUICKEN LOANS, LLC 18 6.69% $7,982
NOVA FINANCIAL & INVESTMENT CORPORATION 13 7.12% $3,594
AMERICAN PACIFIC MORTGAGE CORPORATION 12 6.76% $8,565
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 6.93% $11,539
UNITED WHOLESALE MORTGAGE, LLC 8 6.32% $10,011
JPMorgan Chase Bank 6 6.60% $3,252
Mr. Cooper ( Nationstar Mortgage ) 6 6.87% $6,126
S1L, Inc. 5 7.08% $6,256
BAY EQUITY LLC 4 6.56% $8,046
SUN AMERICAN MORTGAGE COMPANY 3 6.67% $4,448
The Loan Store, Inc. 3 7.04% $7,800
ALTITUDE FINANCIAL CORPORATION 3 7.04% $3,420
MORIA DEVELOPMENT, INC. 2 6.69% $3,836
CMG MORTGAGE, INC. 2 7.00% $7,303
CROSSCOUNTRY MORTGAGE, LLC 2 6.25% $5,563
MICHIGAN MUTUAL, INC. 2 6.63% $8,179
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.81% $8,640
USAA Federal Savings Bank 2 6.88% $8,723
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.88% $9,475
GUARANTEED RATE, INC. 1 6.63% $6,322
VANTAGE WEST 1 6.25% $2,686
NEXERA HOLDING LLC 1 8.25% $9,943
First National Bank Texas 1 6.49% $7,846
OCMBC, INC. 1 9.63% $8,387
First Federal Bank 1 6.50% $3,824
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.49% $2,806
Paramount Residential Mortgage Group, Inc. 1 7.50% $12,396
PARTNER COLORADO 1 6.63% $10,847
PENNYMAC LOAN SERVICES, LLC 1 6.88% $7,950
PLAZA HOME MORTGAGE, INC. 1 7.88% $7,776
EMM LOANS LLC 1 6.63% $28,091
CREDIT UNION WEST 1 5.88% $6,440
Bell Bank 1 7.63% $3,727
AMERICAN FINANCING CORPORATION 1 5.25% $8,425
UNION HOME MORTGAGE CORP. 1 6.88% $6,897
LOANDEPOT.COM, LLC 1 6.63% $7,346
AMERICAN FINANCIAL RESOURCES, INC. 1 7.00% $3,084
Morgan Stanley Private Bank 1 6.35% $3,695

Safford Average Closing Costs & Other Stats

Safford, AZ's 39 lenders originated 634 loans during 2024. The total origination value was $143,210,000, with an average loan value of $225,883.

Safford's average closing costs are $6,313.

The top Safford lender as defined by loan originations is OneAZ Credit Union, with 35 loans originated. Their average total fees are $5,260, which is $2,722 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Safford lenders (with over 10 loans originated) are NOVA FINANCIAL & INVESTMENT CORPORATION ($3,594), OneAZ Credit Union ($5,260), QUICKEN LOANS, LLC ($7,982), AMERICAN PACIFIC MORTGAGE CORPORATION ($8,565) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($11,539).

The lowest rate Safford lenders (with over 10 loans originated) are OneAZ Credit Union (6.20%), QUICKEN LOANS, LLC (6.69%), AMERICAN PACIFIC MORTGAGE CORPORATION (6.76%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.93%) and NOVA FINANCIAL & INVESTMENT CORPORATION (7.12%).

Safford, 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
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $19,960,000 $23,175,000 16.1% 16.2%
OneAZ Credit Union $11,510,000 $17,505,000 52.1% 12.2%
QUICKEN LOANS, LLC $8,230,000 $11,445,000 39.1% 8.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $8,015,000 $9,565,000 19.3% 6.7%
UNITED WHOLESALE MORTGAGE, LLC $5,470,000 $9,290,000 69.8% 6.5%
NOVA FINANCIAL & INVESTMENT CORPORATION $9,045,000 $9,270,000 2.5% 6.5%
Zions Bank $1,005,000 $5,355,000 432.8% 3.7%
Mr. Cooper ( Nationstar Mortgage ) $1,260,000 $3,685,000 192.5% 2.6%
S1L, Inc. $195,000 $2,870,000 1,371.8% 2.0%
BAY EQUITY LLC $2,765,000 $2,705,000 -2.2% 1.9%
SUN AMERICAN MORTGAGE COMPANY $3,525,000 $2,290,000 -35.0% 1.6%
PLAZA HOME MORTGAGE, INC. $165,000 $2,245,000 1,260.6% 1.6%
JPMorgan Chase Bank $845,000 $2,010,000 137.9% 1.4%
FREEDOM MORTGAGE CORPORATION $855,000 $1,580,000 84.8% 1.1%
The Loan Store, Inc. $205,000 $1,530,000 646.3% 1.1%
LOANDEPOT.COM, LLC $155,000 $1,495,000 864.5% 1.0%
Mortgage Research Center, LLC $1,760,000 $1,190,000 -32.4% 0.8%
Equity Prime Mortgage LLC $600,000 $1,180,000 96.7% 0.8%
USAA Federal Savings Bank $510,000 $1,105,000 116.7% 0.8%
ALTITUDE FINANCIAL CORPORATION $1,055,000 $1,035,000 -1.9% 0.7%
PENNYMAC LOAN SERVICES, LLC $780,000 $975,000 25.0% 0.7%
PIMA Federal Credit Union $1,155,000 $955,000 -17.3% 0.7%
Figure Lending LLC $35,000 $950,000 2,614.3% 0.7%
GUILD MORTGAGE COMPANY $9,010,000 $925,000 -89.7% 0.6%
LAKEVIEW LOAN SERVICING, LLC $305,000 $895,000 193.4% 0.6%
NAVY FEDERAL CREDIT UNION $405,000 $865,000 113.6% 0.6%
Paramount Residential Mortgage Group, Inc. $795,000 n/a 0.6%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $400,000 $785,000 96.3% 0.5%
MICHIGAN MUTUAL, INC. $780,000 n/a 0.5%
Plains Commerce Bank $465,000 $760,000 63.4% 0.5%
CMG MORTGAGE, INC. $345,000 $715,000 107.2% 0.5%
EMM LOANS LLC $655,000 n/a 0.5%
SUN WEST MORTGAGE COMPANY, INC. $360,000 $600,000 66.7% 0.4%
First National Bank Texas $580,000 n/a 0.4%
Century Mortgage Company DBA Century Lending Company $560,000 n/a 0.4%
GUARANTEED RATE, INC. $550,000 n/a 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $515,000 $550,000 6.8% 0.4%
CLEARPATH LENDING $530,000 n/a 0.4%
NEXERA HOLDING LLC $525,000 n/a 0.4%
CREDIT UNION WEST $520,000 n/a 0.4%
Bank of America $515,000 n/a 0.4%
LOANPAL, LLC $290,000 $515,000 77.6% 0.4%
AMERISAVE MORTGAGE CORPORATION $500,000 n/a 0.3%
MORIA DEVELOPMENT, INC. $495,000 n/a 0.3%
BROKER SOLUTIONS, INC. $685,000 $490,000 -28.5% 0.3%
Flagstar Bank, FSB $945,000 $475,000 -49.7% 0.3%
Ally Bank $465,000 n/a 0.3%
Morgan Stanley Private Bank $465,000 n/a 0.3%
U.S. Bank $55,000 $450,000 718.2% 0.3%
NEWREZ LLC $440,000 n/a 0.3%
PACIFIC RESIDENTIAL MORTGAGE, LLC $440,000 n/a 0.3%
AMERICAN FINANCING CORPORATION $85,000 $420,000 394.1% 0.3%
HUGHES FEDERAL CREDIT UNION $325,000 $415,000 27.7% 0.3%
PARTNER COLORADO $415,000 n/a 0.3%
VERITAS FUNDING, LLC $410,000 n/a 0.3%
AMERICA FIRST $195,000 $390,000 100.0% 0.3%
21ST MORTGAGE CORPORATION $665,000 $350,000 -47.4% 0.2%
American Southwest Credit Union $345,000 n/a 0.2%
VILLAGE CAPITAL MORTGAGE $225,000 $345,000 53.3% 0.2%
Prosperity Home Mortgage, LLC $325,000 n/a 0.2%
SECURITYNATIONAL MORTGAGE COMPANY $325,000 n/a 0.2%
CROSSCOUNTRY MORTGAGE, LLC $320,000 n/a 0.2%
DESERT FINANCIAL FEDERAL CREDIT UNION $405,000 $300,000 -25.9% 0.2%
HOMESIDE FINANCIAL, LLC $300,000 n/a 0.2%
Sierra Pacific Mortgage Company, Inc. $215,000 $295,000 37.2% 0.2%
STARBOARD FINANCIAL MANAGEMENT, LLC $295,000 n/a 0.2%
AMERITRUST MORTGAGE CORPORATION $275,000 n/a 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $265,000 n/a 0.2%
First Federal Bank $265,000 n/a 0.2%
PNC Bank $240,000 $265,000 10.4% 0.2%
GENEVA FINANCIAL, LLC $85,000 $255,000 200.0% 0.2%
MOVEMENT MORTGAGE, LLC $255,000 n/a 0.2%
UNION HOME MORTGAGE CORP. $305,000 $255,000 -16.4% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $255,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $75,000 $240,000 220.0% 0.2%
Franklin Loan Corporation $235,000 n/a 0.2%
JMAC LENDING, INC. $225,000 n/a 0.2%
Magnolia Bank $205,000 $215,000 4.9% 0.2%
VANTAGE WEST $215,000 n/a 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $460,000 $205,000 -55.4% 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $185,000 $205,000 10.8% 0.1%
Lakeview Community Capital, LLC $205,000 n/a 0.1%
LOGIX FEDERAL CREDIT UNION $205,000 n/a 0.1%
MOUNTAIN AMERICA $420,000 $200,000 -52.4% 0.1%
Loan Simple, Inc. $195,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $185,000 n/a 0.1%
Bell Bank $175,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $175,000 n/a 0.1%
V.I.P. MORTGAGE, INC. $600,000 $165,000 -72.5% 0.1%
TOP FLITE FINANCIAL, INC. $215,000 $145,000 -32.6% 0.1%
PYRAMID $135,000 n/a 0.1%
QUORUM FEDERAL CREDIT UNION $135,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $135,000 n/a 0.1%
OCMBC, INC. $575,000 $125,000 -78.3% 0.1%
GTE Federal Credit Union $95,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.1%
KINECTA $65,000 n/a 0.0%
Coastal Community Bank $115,000 $60,000 -47.8% 0.0%

Safford's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 16.2% market share. In second place, with 12.2%, is OneAZ Credit Union, having originated $17,505,000 in loans. In third place, with 8.0%, is QUICKEN LOANS, LLC, having originated $11,445,000 in loans. In fourth place, with 6.7%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $9,565,000 in loans. In fifth place, with 6.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $9,290,000 in loans.

Safford, AZ Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 305 $82,485,000 $270,443
Cash Out Refi 120 $25,140,000 $209,500
Refi 86 $24,290,000 $282,442
Other 68 $6,120,000 $90,000
Home Improvement 55 $5,175,000 $94,091

Safford's most frequently cited loan purpose was Home Purchase, with 305 originations. The 2nd most popular reason was Cash Out Refi, with 120 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 268 $72,690,000 $271,231
Over 8% 137 $13,015,000 $95,000
7-8% 113 $28,515,000 $252,345
5-6% 95 $25,725,000 $270,789
4-5% 10 $2,960,000 $296,000
<2.5% 2 $20,000 $10,000

During 2024, Safford's most frequently originated rate bucket was 6-7%, with 268 originations.

Loan Sizing (Safford, AZ MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 320 $90,170,000 $281,781
$100k-200k 144 $21,620,000 $150,139
$100,000 or less 129 $7,305,000 $56,628
$400k-600k 36 $16,830,000 $467,500
$600k-1000k 3 $2,275,000 $758,333
$Over $1MM 2 $5,010,000 $2,505,000

Safford's loan sizing saw the bucket of loans from $200k-400k with 320 originations, totaling $90,170,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 293 $82,575,000 $281,826
60-80% 114 $31,350,000 $275,000
20-40% 78 $9,660,000 $123,846
Under 20% 67 $2,825,000 $42,164
40-60% 57 $10,515,000 $184,474
Over 100% 8 $2,500,000 $312,500

Safford's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 293 originations, totaling $82,575,000 in origination value.