Mortgage lenders in Coconino County
2,905 mortgages were made in Coconino County, Arizona, in 2025, by 339 lenders. The median rate their borrowers got was 6.750% on a median loan of $375,000. Of 3,873 decisions, 783 were denials — 20.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 347 | 6.499% | $425,000 | 8.8% |
| Rocket Mortgage, LLC | 211 | 6.750% | $315,000 | 18.7% |
| OneAZ Credit Union | 177 | 7.250% | $175,000 | 25.5% |
| GUILD MORTGAGE COMPANY | 141 | 6.625% | $355,000 | 5.2% |
| DESERT FINANCIAL CREDIT UNION | 94 | 6.490% | $140,000 | 22.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 85 | 6.625% | $405,000 | 5.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 82 | 6.625% | $480,000 | 0.0% |
| INTERCAP LENDING INC. | 70 | 6.500% | $515,000 | 1.3% |
| Zions Bancorporation, N.A. | 64 | 7.925% | $225,000 | 27.3% |
| Fairway Independent Mortgage Corporation | 62 | 6.625% | $540,000 | 13.7% |
| PENNYMAC LOAN SERVICES, LLC | 60 | 6.624% | $460,000 | 14.1% |
| THE LOAN STORE, INC. | 56 | 6.875% | $390,000 | 19.2% |
| CMG MORTGAGE, INC. | 52 | 7.063% | $455,000 | 3.3% |
| V.I.P. MORTGAGE, INC. | 50 | 6.688% | $375,000 | 3.9% |
| JPMorgan Chase Bank, National Association | 48 | 6.370% | $455,000 | 15.8% |
| NEWREZ LLC | 35 | 6.125% | $395,000 | 23.9% |
| GUARANTEED RATE, INC. | 34 | 6.725% | $380,000 | 2.9% |
| Bank of America, National Association | 33 | 6.240% | $295,000 | 42.1% |
| U.S. Bank National Association | 33 | 6.490% | $515,000 | 21.4% |
| MORIA DEVELOPMENT, INC. | 33 | 7.000% | $405,000 | 0.0% |
| AMERICA FIRST Federal Credit Union | 29 | 7.125% | $55,000 | 27.7% |
| NATIONSTAR MORTGAGE LLC | 28 | 7.313% | $190,000 | 17.7% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 28 | 6.990% | $320,000 | 0.0% |
| BMO Bank National Association | 24 | 8.365% | $525,000 | 25.0% |
| Loandepot.Com, LLC | 24 | 6.870% | $230,000 | 33.3% |
| SPRING EQ, LLC | 21 | 7.990% | $105,000 | 52.1% |
| MidFirst Bank | 20 | 6.000% | $850,000 | 0.0% |
| Navy Federal Credit Union | 19 | 7.650% | $135,000 | 25.9% |
| FIGURE LENDING LLC | 19 | 8.750% | $45,000 | 29.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 10.250% | $115,000 | 61.4% |
| Mortgage Research Center, LLC | 17 | 6.125% | $475,000 | 26.1% |
| Arizona Financial Credit Union | 17 | 6.500% | $305,000 | 4.8% |
| 21st Mortgage Corporation | 16 | 9.165% | $115,000 | 60.5% |
| TRIAD FINANCIAL SERVICES, INC. | 16 | 8.815% | $85,000 | 35.3% |
| FREEDOM MORTGAGE CORPORATION | 16 | 6.250% | $370,000 | 4.8% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 6.433% | $325,000 | 40.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 16 | 6.875% | $305,000 | 30.4% |
| Morgan Stanley Private Bank, National Association | 16 | 5.725% | $1,435,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 15 | 6.875% | $365,000 | 0.0% |
| Glacier Bank | 14 | 7.700% | $530,000 | 17.7% |
| ARIZONA CENTRAL | 13 | 7.250% | $185,000 | 35.0% |
| Synergy One Lending, Inc. | 13 | 6.500% | $405,000 | 23.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 6.375% | $345,000 | 7.1% |
| Broker Solutions, Inc. | 12 | 6.933% | $285,000 | 0.0% |
| Wells Fargo Bank, National Association | 12 | 5.875% | $415,000 | 35.0% |
| Equity Prime Mortgage LLC | 12 | 6.625% | $360,000 | 7.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 6.750% | $495,000 | 14.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 12 | 6.933% | $430,000 | 0.0% |
| PNC Bank, National Association | 11 | 7.740% | $275,000 | 52.2% |
| KIND LENDING, LLC | 11 | 6.625% | $445,000 | 35.3% |
| Bell Bank | 11 | 6.750% | $575,000 | 8.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.433% | $360,000 | 15.4% |
| PHH Mortgage Corporation | 10 | 6.375% | $350,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 53.8% |
| NexBank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 73.3% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 23.1% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| TRUWEST Credit Union | 8 | Under 10 loans | Under 10 loans | 30.8% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Colorado | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mountain America Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 79.4% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 56.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Copper State Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wallick & Volk, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 10.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 63.6% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| BOKF, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| UMB Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALTITUDE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Sunflower Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 37.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DIRECT MORTGAGE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Unison Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HUGHES FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| State Bank of Southern Utah | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Peak Residential Lending Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 77.8% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 60.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VANTAGE WEST | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Banterra Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION WEST | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 139 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Coconino County
18 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Zions Bancorporation, N.A. | 4 | $367.8 million |
| JPMorgan Chase Bank, National Association | 3 | $507.8 million |
| Wells Fargo Bank, National Association | 3 | $484.5 million |
| Bank of America, National Association | 2 | $341.5 million |
| Western Alliance Bank | 1 | $338.3 million |
| Glacier Bank | 1 | $118.3 million |
| PNC Bank, National Association | 1 | $88.8 million |
| BMO Bank National Association | 1 | $81.6 million |
| Sunwest Bank | 1 | $49.9 million |
| Bank of Colorado | 1 | $13.2 million |
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When the next year’s lending figures are out for Coconino County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.