Safford Mortgage Rates & Closing Costs
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% |
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.).
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.