Show Low Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Show Low averaged 7.29% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 7.02% and one month ago for the week of 2025-05-15, the average rate was 6.89%.

Show Low's average rate one year ago was 7.23%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.2%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Show Low 30 Year Fixed Rate 2025-06-18 7.29%
Show Low 30 Year Fixed Rate Refi 2025-06-18 7.2%
Show Low 15 Year Fixed Rate 2025-06-18 5.86%
Show Low 15 Year Fixed Rate Refi 2025-06-18 6.36%
Show Low 30 Year FHA 2025-06-18 0.05%
Show Low 30 Year FHA Refi 2025-06-18 -0.1%
Show Low 30 Year USDA 2025-06-18 0%
Show Low 30 Year USDA Refi 2025-06-18 0.2%
Show Low 30 Year VA 2025-06-18 0.24%
Show Low 30 Year VA Refi 2025-06-18 -0.1%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Show Low, AZ.

Show Low 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 Show Low, 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
QUICKEN LOANS, LLC 148 6.85% $7,410
UNITED WHOLESALE MORTGAGE, LLC 124 6.88% $8,130
GUILD MORTGAGE COMPANY 60 7.12% $6,671
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 25 7.09% $8,212
JPMorgan Chase Bank 23 6.87% $5,318
AMERICAN PACIFIC MORTGAGE CORPORATION 21 7.07% $8,935
V.I.P. MORTGAGE, INC. 19 6.97% $7,162
Wells Fargo Bank 18 6.64% $7,286
Zions Bank 17 7.08% $12,128
CROSSCOUNTRY MORTGAGE, LLC 17 7.01% $7,129
Flagstar Bank, FSB 15 6.89% $7,767
NOVA FINANCIAL & INVESTMENT CORPORATION 15 7.04% $5,928
U.S. Bank 14 6.88% $7,935
ALTITUDE FINANCIAL CORPORATION 14 6.96% $3,899
PENNYMAC LOAN SERVICES, LLC 14 6.83% $9,330
Century Mortgage Company DBA Century Lending Company 13 6.88% $11,255
The Loan Store, Inc. 12 7.03% $6,294
CMG MORTGAGE, INC. 11 7.07% $7,142
Bell Bank 11 6.95% $7,279
Plains Commerce Bank 10 6.78% $7,893
Bank of America 9 6.56% $4,673
SUN AMERICAN MORTGAGE COMPANY 8 7.45% $5,101
ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 7.09% $7,665
HOMEOWNERS FINANCIAL GROUP USA, LLC 7 6.57% $7,590
PROVIDENT FUNDING ASSOCIATES, L.P. 7 6.59% $5,888
NEWREZ LLC 7 6.84% $4,933
UNION HOME MORTGAGE CORP. 6 6.73% $7,465
GUARANTEED RATE, INC. 6 6.99% $6,370
MOVEMENT MORTGAGE, LLC 5 6.51% $9,603
CARDINAL FINANCIAL 5 7.15% $10,291
BMO Harris Bank 5 7.28% $4,734
Sierra Pacific Mortgage Company, Inc. 5 7.32% $8,777
21ST MORTGAGE CORPORATION 5 8.19% $6,062
ARIZONA CENTRAL 5 6.48% $4,088
MORIA DEVELOPMENT, INC. 5 7.07% $5,879
STARBOARD FINANCIAL MANAGEMENT, LLC 5 7.05% $9,518
Paramount Residential Mortgage Group, Inc. 5 7.05% $7,208
MOUNTAIN AMERICA 5 6.65% $8,355
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 7.00% $7,120
DIRECT MORTGAGE LOANS, LLC 4 7.06% $13,244
Morgan Stanley Private Bank 4 6.04% $3,846
Charles Schwab Bank, SSB 4 6.06% $6,019
NAVY FEDERAL CREDIT UNION 4 6.81% $7,270
Nations Lending Corporation 4 7.53% $5,647
OneAZ Credit Union 4 6.94% $6,165
Mortgage Research Center, LLC 4 7.12% $5,552
NexBank 4 7.50% $7,757
TRUWEST Credit Union 3 6.83% $2,480
PNC Bank 3 7.33% $9,879
First International Bank & Trust 3 7.63% $8,634
LOANDEPOT.COM, LLC 3 6.75% $8,285
Cornerstone First Mortgage, Inc 3 7.13% $10,462
NEW WEST LENDING, INC. 3 7.08% $5,177
SECURITYNATIONAL MORTGAGE COMPANY 3 7.42% $6,355
BROKER SOLUTIONS, INC. 3 6.70% $8,656
DEEPHAVEN MORTGAGE LLC 2 7.81% $5,463
AMERICAN FINANCING CORPORATION 2 6.81% $5,930
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 6.87% $11,584
ARIZONA 2 6.50% $12,602
Bankers Trust Company 2 6.00% $11,721
BAY EQUITY LLC 2 7.00% $10,308
CITY FIRST MORTGAGE SERVICES, L.L.C. 2 7.44% $7,575
CREDIT UNION WEST 2 6.19% $4,976
DEFINE MORTGAGE SOLUTIONS, LLC 2 6.94% $6,360
EVERETT FINANCIAL, INC. 2 7.38% $6,195
FBC MORTGAGE, LLC 2 7.24% $4,865
FREEDOM MORTGAGE CORPORATION 2 6.93% $9,299
GENEVA FINANCIAL, LLC 2 7.06% $6,057
HUNT MORTGAGE CORPORATION 2 6.56% $7,421
INTERCAP LENDING INC. 2 6.25% $3,260
LADERA LENDING, INC. 2 6.63% $3,234
Mr. Cooper ( Nationstar Mortgage ) 2 7.24% $9,209
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.68% $4,981
NFM, INC. 2 6.81% $8,975
ON Q FINANCIAL, INC. 2 6.81% $7,088
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 7.31% $6,909
PLANET HOME LENDING, LLC 2 6.25% $8,095
Prosperity Home Mortgage, LLC 2 6.75% $9,870
S1L, Inc. 2 7.25% $4,254
USAA Federal Savings Bank 2 7.25% $4,576
VANTAGE WEST 2 6.81% $4,663
Washington Federal Bank 2 6.81% $21,241
Waterstone Mortgage Corporation 2 7.31% $17,144
ZILLOW HOME LOANS, LLC 2 6.31% $5,324
AMERICA FIRST 1 5.38% $5,418
Florida Capital Bank 1 6.38% $6,805
FISHER FINANCIAL GROUP, INCORPORATED 1 6.63% $3,511
NBH Bank 1 6.00% $2,537
NETWORK CAPITAL FUNDING CORPORATION 1 8.13% $7,508
First State Bank of St. Charles, Missouri 1 6.75% $5,595
NEW WAVE LENDING GROUP INC 1 8.00% $14,443
FIRST MORTGAGE COMPANY, INC. 1 7.99% $9,359
FIRST COLONY MORTGAGE CORPORATION 1 6.88% $6,486
NEXERA HOLDING LLC 1 9.50% $7,406
Academy Bank 1 6.38% $5,739
NMSI, INC. 1 8.00% $10,161
Northpointe Bank 1 6.38% $3,218
First-Citizens Bank & Trust Company 1 6.98% $6,225
OCMBC, INC. 1 10.00% $13,648
Firefighters First Federal Credit Union 1 6.50% $0
ONE NEVADA CREDIT UNION 1 5.63% $3,351
ALLIANT CREDIT UNION 1 5.88% $7,942
VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.63% $3,640
Financial Funding Solutions, Inc. 1 7.50% $3,859
Farmers Bank & Trust 1 6.88% $4,135
PHH Mortgage Corporation 1 8.13% $3,254
PIMA Federal Credit Union 1 6.00% $4,548
ENVOY MORTGAGE, LTD 1 7.50% $3,862
A&D Mortgage LLC 1 8.38% $9,569
PLAZA HOME MORTGAGE, INC. 1 7.50% $5,245
Elements Financial Federal Credit Union 1 6.50% $5,774
DESERT FINANCIAL FEDERAL CREDIT UNION 1 7.00% $8,054
Alaska USA Federal Credit Union 1 5.63% $4,006
DAS Acquisition Company, LLC 1 7.00% $5,554
CORNERSTONE HOME LENDING, INC. 1 7.13% $12,857
ROYAL UNITED MORTGAGE LLC 1 7.13% $8,748
Western State Bank 1 7.85% $10,641
Citibank 1 5.38% $5,350
SFMC, LP 1 6.99% $10,682
Axos Bank 1 6.63% $3,181
AMERISAVE MORTGAGE CORPORATION 1 6.63% $5,887
SUMMIT FUNDING, INC. 1 7.50% $10,431
American Mortgage & Equity Consultants, Inc. 1 6.63% $13,823
Sunflower Bank 1 6.88% $4,565
SUN WEST MORTGAGE COMPANY, INC. 1 7.50% $10,439
The Huntington National Bank 1 7.25% $15,052
AMERICAN INTERNET MORTGAGE, INC. 1 6.13% $4,132
TOWNE MORTGAGE COMPANY 1 8.13% $2,794
TRIAD FINANCIAL SERVICES, INC. 1 8.75% $9,071
AMERICAN FINANCIAL RESOURCES, INC. 1 7.00% $7,501
UBS Bank USA 1 8.25% $2,735
JMAC LENDING, INC. 1 6.88% $10,741
UNIFY FINANCIAL Credit Union 1 7.40% $4,133
LEADERONE FINANCIAL CORPORATION 1 6.25% $4,746
LENOX FINANCIAL MORTGAGE CORPORATION 1 6.00% $6,324
Ixonia Bank 1 7.50% $12,774
MICHIGAN MUTUAL, INC. 1 7.13% $5,326
MID AMERICA MORTGAGE, INC. 1 8.63% $13,772
MidFirst Bank 1 6.63% $6,225
IOWA BANKERS MORTGAGE CORPORATION 1 7.50% $4,223
IAA Credit Union 1 5.50% $5,103
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.50% $5,757
Gateway First Bank 1 7.13% $7,049
GARDNER FINANCIAL SERVICES, LTD. 1 6.63% $13,188
AMERICAN FINANCIAL NETWORK, INC. 1 6.13% $14,299

Show Low Average Closing Costs & Other Stats

Show Low, AZ's 145 lenders originated 1,904 loans during 2024. The total origination value was $546,560,000, with an average loan value of $287,059.

Show Low's average closing costs are $5,717.

The top Show Low lender as defined by loan originations is QUICKEN LOANS, LLC, with 148 loans originated. Their average total fees are $7,410, which is $719 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Show Low lenders (with over 10 loans originated) are ALTITUDE FINANCIAL CORPORATION ($3,899), JPMorgan Chase Bank ($5,318), NOVA FINANCIAL & INVESTMENT CORPORATION ($5,928), The Loan Store, Inc. ($6,294) and GUILD MORTGAGE COMPANY ($6,671).

The lowest rate Show Low lenders (with over 10 loans originated) are Wells Fargo Bank (6.64%), Plains Commerce Bank (6.78%), PENNYMAC LOAN SERVICES, LLC (6.83%), QUICKEN LOANS, LLC (6.85%) and JPMorgan Chase Bank (6.87%).

Show Low, 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
QUICKEN LOANS, LLC $25,675,000 $70,590,000 174.9% 12.9%
UNITED WHOLESALE MORTGAGE, LLC $81,150,000 $68,190,000 -16.0% 12.5%
GUILD MORTGAGE COMPANY $20,170,000 $25,345,000 25.7% 4.6%
Zions Bank $15,200,000 $21,380,000 40.7% 3.9%
CROSSCOUNTRY MORTGAGE, LLC $6,705,000 $11,300,000 68.5% 2.1%
Mortgage Research Center, LLC $4,605,000 $9,895,000 114.9% 1.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $8,280,000 $9,850,000 19.0% 1.8%
CMG MORTGAGE, INC. $12,315,000 $9,675,000 -21.4% 1.8%
AMERICAN PACIFIC MORTGAGE CORPORATION $15,640,000 $9,590,000 -38.7% 1.8%
PENNYMAC LOAN SERVICES, LLC $3,445,000 $9,445,000 174.2% 1.7%
Flagstar Bank, FSB $5,110,000 $9,130,000 78.7% 1.7%
V.I.P. MORTGAGE, INC. $13,435,000 $9,010,000 -32.9% 1.6%
U.S. Bank $5,565,000 $8,820,000 58.5% 1.6%
Bell Bank $5,585,000 $8,340,000 49.3% 1.5%
JPMorgan Chase Bank $2,370,000 $8,020,000 238.4% 1.5%
Century Mortgage Company DBA Century Lending Company $7,635,000 n/a 1.4%
Wells Fargo Bank $5,925,000 $7,560,000 27.6% 1.4%
ALTITUDE FINANCIAL CORPORATION $4,800,000 $7,390,000 54.0% 1.4%
Washington Federal Bank $4,210,000 $6,225,000 47.9% 1.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $9,795,000 $5,750,000 -41.3% 1.1%
21ST MORTGAGE CORPORATION $5,800,000 $5,665,000 -2.3% 1.0%
The Loan Store, Inc. $1,440,000 $5,380,000 273.6% 1.0%
Bank of America $2,170,000 $5,340,000 146.1% 1.0%
FREEDOM MORTGAGE CORPORATION $2,105,000 $4,780,000 127.1% 0.9%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $7,145,000 $4,750,000 -33.5% 0.9%
GUARANTEED RATE, INC. $2,535,000 $4,580,000 80.7% 0.8%
MOUNTAIN AMERICA $4,130,000 $4,385,000 6.2% 0.8%
DESERT FINANCIAL FEDERAL CREDIT UNION $3,950,000 $4,305,000 9.0% 0.8%
Glacier Bank $610,000 $4,110,000 573.8% 0.8%
NEWREZ LLC $1,325,000 $4,080,000 207.9% 0.7%
Plains Commerce Bank $1,975,000 $3,640,000 84.3% 0.7%
ARIZONA $2,185,000 $3,465,000 58.6% 0.6%
NAVY FEDERAL CREDIT UNION $2,370,000 $3,430,000 44.7% 0.6%
MidFirst Bank $3,050,000 $3,170,000 3.9% 0.6%
Waterstone Mortgage Corporation $2,645,000 $3,165,000 19.7% 0.6%
DIRECT MORTGAGE LOANS, LLC $3,135,000 n/a 0.6%
ARIZONA CENTRAL $1,720,000 $3,085,000 79.4% 0.6%
Paramount Residential Mortgage Group, Inc. $3,130,000 $3,060,000 -2.2% 0.6%
LOANDEPOT.COM, LLC $3,450,000 $3,055,000 -11.4% 0.6%
UNION HOME MORTGAGE CORP. $1,835,000 $3,050,000 66.2% 0.6%
SUN AMERICAN MORTGAGE COMPANY $2,300,000 $2,995,000 30.2% 0.5%
Charles Schwab Bank, SSB $1,295,000 $2,940,000 127.0% 0.5%
MORIA DEVELOPMENT, INC. $4,080,000 $2,880,000 -29.4% 0.5%
CARDINAL FINANCIAL $1,105,000 $2,760,000 149.8% 0.5%
HOMEOWNERS FINANCIAL GROUP USA, LLC $1,770,000 $2,695,000 52.3% 0.5%
MID AMERICA MORTGAGE, INC. $430,000 $2,570,000 497.7% 0.5%
BMO Harris Bank $3,535,000 $2,350,000 -33.5% 0.4%
OCMBC, INC. $960,000 $2,185,000 127.6% 0.4%
PNC Bank $2,065,000 $2,155,000 4.4% 0.4%
Morgan Stanley Private Bank $2,725,000 $2,120,000 -22.2% 0.4%
OneAZ Credit Union $2,435,000 $2,110,000 -13.3% 0.4%
MOVEMENT MORTGAGE, LLC $875,000 $2,085,000 138.3% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $3,765,000 $2,065,000 -45.2% 0.4%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,095,000 $1,995,000 -4.8% 0.4%
NFM, INC. $730,000 $1,955,000 167.8% 0.4%
ALLIANT CREDIT UNION $480,000 $1,880,000 291.7% 0.3%
Sierra Pacific Mortgage Company, Inc. $650,000 $1,815,000 179.2% 0.3%
First International Bank & Trust $2,000,000 $1,780,000 -11.0% 0.3%
Nations Lending Corporation $480,000 $1,770,000 268.8% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,225,000 $1,705,000 -23.4% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,595,000 $1,600,000 0.3% 0.3%
CREDIT HUMAN FEDERAL CREDIT UNION $630,000 $1,540,000 144.4% 0.3%
First-Citizens Bank & Trust Company $1,520,000 n/a 0.3%
USAA Federal Savings Bank $680,000 $1,495,000 119.9% 0.3%
GARDNER FINANCIAL SERVICES, LTD. $1,485,000 n/a 0.3%
Figure Lending LLC $425,000 $1,470,000 245.9% 0.3%
VILLAGE CAPITAL MORTGAGE $1,460,000 n/a 0.3%
Equity Prime Mortgage LLC $1,575,000 $1,445,000 -8.3% 0.3%
BROKER SOLUTIONS, INC. $2,325,000 $1,435,000 -38.3% 0.3%
NexBank $1,535,000 $1,430,000 -6.8% 0.3%
TRUWEST Credit Union $2,220,000 $1,425,000 -35.8% 0.3%
PLANET HOME LENDING, LLC $145,000 $1,420,000 879.3% 0.3%
HILTON FINANCIAL CORPORATION $640,000 $1,370,000 114.1% 0.3%
DEEPHAVEN MORTGAGE LLC $1,555,000 $1,315,000 -15.4% 0.2%
FINANCE OF AMERICA REVERSE LLC $1,145,000 $1,315,000 14.8% 0.2%
STARBOARD FINANCIAL MANAGEMENT, LLC $1,065,000 $1,305,000 22.5% 0.2%
Cornerstone First Mortgage, Inc $425,000 $1,300,000 205.9% 0.2%
LAKEVIEW LOAN SERVICING, LLC $630,000 $1,195,000 89.7% 0.2%
EVERETT FINANCIAL, INC. $1,185,000 n/a 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,180,000 $1,170,000 -0.8% 0.2%
AMERICA FIRST $640,000 $1,145,000 78.9% 0.2%
SECURITYNATIONAL MORTGAGE COMPANY $1,285,000 $1,130,000 -12.1% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,385,000 $1,110,000 -19.9% 0.2%
Firefighters First Federal Credit Union $860,000 $1,105,000 28.5% 0.2%
Citibank $755,000 $1,075,000 42.4% 0.2%
JMAC LENDING, INC. $995,000 n/a 0.2%
Bankers Trust Company $470,000 $990,000 110.6% 0.2%
PLAZA HOME MORTGAGE, INC. $145,000 $960,000 562.1% 0.2%
LIMA ONE CAPITAL, LLC $355,000 $925,000 160.6% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $1,330,000 $920,000 -30.8% 0.2%
AMWEST FUNDING CORP. $1,370,000 $890,000 -35.0% 0.2%
Carrington Mortgage Services, LLC $555,000 $890,000 60.4% 0.2%
AMERICAN FINANCING CORPORATION $505,000 $885,000 75.2% 0.2%
Stockman Bank of Montana $885,000 n/a 0.2%
The Huntington National Bank $875,000 n/a 0.2%
Greenbox Loans, Inc. $855,000 n/a 0.2%
Magnolia Bank $295,000 $850,000 188.1% 0.2%
A&D Mortgage LLC $590,000 $840,000 42.4% 0.2%
PACIFIC RESIDENTIAL MORTGAGE, LLC $640,000 $840,000 31.3% 0.2%
DAS Acquisition Company, LLC $805,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $595,000 $785,000 31.9% 0.1%
DEFINE MORTGAGE SOLUTIONS, LLC $1,375,000 $780,000 -43.3% 0.1%
LADERA LENDING, INC. $675,000 $775,000 14.8% 0.1%
AMERISAVE MORTGAGE CORPORATION $3,450,000 $765,000 -77.8% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,025,000 $760,000 -25.9% 0.1%
BAY EQUITY LLC $1,240,000 $750,000 -39.5% 0.1%
NEW WEST LENDING, INC. $725,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $1,115,000 $710,000 -36.3% 0.1%
Alaska USA Federal Credit Union $285,000 $670,000 135.1% 0.1%
FBC MORTGAGE, LLC $670,000 n/a 0.1%
Prosperity Home Mortgage, LLC $2,320,000 $660,000 -71.6% 0.1%
VANTAGE WEST $1,060,000 $650,000 -38.7% 0.1%
INTERCAP LENDING INC. $1,045,000 $640,000 -38.8% 0.1%
Sunflower Bank $875,000 $640,000 -26.9% 0.1%
PHH Mortgage Corporation $655,000 $635,000 -3.1% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $215,000 $625,000 190.7% 0.1%
AMERICAN HERITAGE LENDING, INC. $725,000 $615,000 -15.2% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $610,000 $600,000 -1.6% 0.1%
ZILLOW HOME LOANS, LLC $155,000 $600,000 287.1% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $225,000 $580,000 157.8% 0.1%
American Mortgage & Equity Consultants, Inc. $175,000 $575,000 228.6% 0.1%
Ixonia Bank $575,000 n/a 0.1%
FIRST COLONY MORTGAGE CORPORATION $560,000 n/a 0.1%
Elements Financial Federal Credit Union $555,000 n/a 0.1%
PIMA Federal Credit Union $335,000 $545,000 62.7% 0.1%
Western State Bank $545,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $540,000 n/a 0.1%
HUNT MORTGAGE CORPORATION $195,000 $540,000 176.9% 0.1%
LENDINGHOME FUNDING CORPORATION $535,000 n/a 0.1%
CITY FIRST MORTGAGE SERVICES, L.L.C. $355,000 $530,000 49.3% 0.1%
CALCON MUTUAL MORTGAGE LLC $645,000 $520,000 -19.4% 0.1%
S1L, Inc. $510,000 n/a 0.1%
Northpointe Bank $505,000 n/a 0.1%
CORNERSTONE HOME LENDING, INC. $495,000 n/a 0.1%
UNIFY FINANCIAL Credit Union $495,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $205,000 $485,000 136.6% 0.1%
LONGBRIDGE FINANCIAL, LLC $315,000 $465,000 47.6% 0.1%
CREDIT UNION WEST $315,000 $460,000 46.0% 0.1%
First American Bank $455,000 n/a 0.1%
Discover Bank $725,000 $450,000 -37.9% 0.1%
IAA Credit Union $435,000 n/a 0.1%
NBKC BANK $250,000 $415,000 66.0% 0.1%
SUMMIT FUNDING, INC. $730,000 $415,000 -43.2% 0.1%
GENEVA FINANCIAL, LLC $2,295,000 $410,000 -82.1% 0.1%
NBH Bank $405,000 n/a 0.1%
Farmers Bank & Trust $405,000 $395,000 -2.5% 0.1%
Florida Capital Bank $395,000 n/a 0.1%
ON Q FINANCIAL, INC. $990,000 $380,000 -61.6% 0.1%
TRIAD FINANCIAL SERVICES, INC. $995,000 $380,000 -61.8% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $375,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $440,000 $365,000 -17.0% 0.1%
LEADERONE FINANCIAL CORPORATION $420,000 $365,000 -13.1% 0.1%
IOWA BANKERS MORTGAGE CORPORATION $355,000 n/a 0.1%
NEW WAVE LENDING GROUP INC $355,000 n/a 0.1%
FISHER FINANCIAL GROUP, INCORPORATED $345,000 n/a 0.1%
LOANPAL, LLC $875,000 $340,000 -61.1% 0.1%
FIRST MORTGAGE COMPANY, INC. $325,000 n/a 0.1%
SFMC, LP $325,000 n/a 0.1%
HighTechLending Inc $470,000 $315,000 -33.0% 0.1%
HUGHES FEDERAL CREDIT UNION $315,000 n/a 0.1%
NEXERA HOLDING LLC $215,000 $305,000 41.9% 0.1%
UMB Bank $985,000 $305,000 -69.0% 0.1%
BayCoast Bank $115,000 $300,000 160.9% 0.1%
GMFS LLC $300,000 n/a 0.1%
PYRAMID $300,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $775,000 $295,000 -61.9% 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $205,000 $295,000 43.9% 0.1%
Axos Bank $285,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $265,000 n/a 0.0%
NMSI, INC. $265,000 n/a 0.0%
SPRING EQ, LLC $340,000 $265,000 -22.1% 0.0%
CLEARPATH LENDING $235,000 $255,000 8.5% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $415,000 $255,000 -38.6% 0.0%
Texana Bank $255,000 n/a 0.0%
Financial Funding Solutions, Inc. $245,000 n/a 0.0%
Franklin Loan Corporation $245,000 n/a 0.0%
First State Bank of St. Charles, Missouri $555,000 $235,000 -57.7% 0.0%
OAKTREE FUNDING CORP. $235,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $235,000 n/a 0.0%
UBS Bank USA $1,170,000 $195,000 -83.3% 0.0%
VALOR BANK $195,000 n/a 0.0%
Gateway First Bank $235,000 $185,000 -21.3% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $125,000 $185,000 48.0% 0.0%
QUORUM FEDERAL CREDIT UNION $175,000 n/a 0.0%
Merchants Mortgage & Trust Corporation $165,000 n/a 0.0%
GTE Federal Credit Union $150,000 n/a 0.0%
Canyon State Credit Union $380,000 $145,000 -61.8% 0.0%
Academy Bank $135,000 n/a 0.0%
ENVOY MORTGAGE, LTD $145,000 $135,000 -6.9% 0.0%
Commerce Home Mortgage, Inc. $1,315,000 $125,000 -90.5% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $455,000 $125,000 -72.5% 0.0%
MICHIGAN MUTUAL, INC. $875,000 $125,000 -85.7% 0.0%
ROYAL UNITED MORTGAGE LLC $410,000 $125,000 -69.5% 0.0%
American Airlines Federal Credit Union $565,000 $105,000 -81.4% 0.0%
FIRST TECHNOLOGY $105,000 n/a 0.0%
ONE NEVADA CREDIT UNION $105,000 n/a 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $105,000 n/a 0.0%
BOKF $705,000 $95,000 -86.5% 0.0%
CHARTWAY FEDERAL CREDIT UNION $95,000 n/a 0.0%
Coastal Community Bank $320,000 $90,000 -71.9% 0.0%
Landings Credit Union $600,000 $85,000 -85.8% 0.0%
First National Bank of America $75,000 n/a 0.0%
AERO Federal Credit Union $65,000 n/a 0.0%
Notre Dame Federal Credit Union Corporation $125,000 $65,000 -48.0% 0.0%
Baxter Credit Union $55,000 n/a 0.0%

Show Low's top lender by overall market share is QUICKEN LOANS, LLC, with 12.9% market share. In second place, with 12.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $68,190,000 in loans. In third place, with 4.6%, is GUILD MORTGAGE COMPANY, having originated $25,345,000 in loans. In fourth place, with 3.9%, is Zions Bank, having originated $21,380,000 in loans. In fifth place, with 2.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $11,300,000 in loans.

Show Low, AZ Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,081 $366,385,000 $338,932
Cash Out Refi 299 $64,945,000 $217,207
Refi 216 $72,890,000 $337,454
Other 162 $22,390,000 $138,210
Home Improvement 145 $19,825,000 $136,724
NA 1 $125,000 $125,000

Show Low's most frequently cited loan purpose was Home Purchase, with 1,081 originations. The 2nd most popular reason was Cash Out Refi, with 299 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 733 $239,025,000 $326,091
7-8% 470 $148,140,000 $315,191
Over 8% 403 $66,215,000 $164,305
5-6% 273 $86,865,000 $318,187
4-5% 13 $4,015,000 $308,846
<2.5% 2 $10,000 $5,000
3-4% 2 $390,000 $195,000
2.5-3% 2 $310,000 $155,000

During 2024, Show Low's most frequently originated rate bucket was 6-7%, with 733 originations.

Loan Sizing (Show Low, AZ MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 788 $226,430,000 $287,348
$100k-200k 452 $68,160,000 $150,796
$400k-600k 300 $144,330,000 $481,100
$100,000 or less 253 $15,395,000 $60,850
$600k-1000k 94 $68,540,000 $729,149
$Over $1MM 17 $23,705,000 $1,394,412

Show Low's loan sizing saw the bucket of loans from $200k-400k with 788 originations, totaling $226,430,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 610 $204,910,000 $335,918
60-80% 552 $204,400,000 $370,290
40-60% 254 $68,880,000 $271,181
20-40% 233 $37,365,000 $160,365
Under 20% 202 $13,360,000 $66,139
Over 100% 28 $9,720,000 $347,143

Show Low's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 610 originations, totaling $204,910,000 in origination value.