Refinancing lenders in Maricopa County
17,795 refinancing mortgages were made in Maricopa County, Arizona, in 2025, by 557 lenders. The median rate their borrowers got was 6.250% on a median loan of $365,000. Of 24,034 decisions, 4,850 were denials — 20.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,405 | 5.969% | $435,000 | 13.8% |
| DESERT FINANCIAL CREDIT UNION | 2,443 | 7.500% | $145,000 | 23.4% |
| Rocket Mortgage, LLC | 1,200 | 5.990% | $395,000 | 19.2% |
| FREEDOM MORTGAGE CORPORATION | 662 | 5.875% | $395,000 | 4.4% |
| PENNYMAC LOAN SERVICES, LLC | 446 | 5.990% | $425,000 | 13.7% |
| Bank of America, National Association | 377 | 5.990% | $205,000 | 30.2% |
| Arizona Financial Credit Union | 342 | 7.500% | $85,000 | 20.5% |
| NEWREZ LLC | 287 | 6.125% | $435,000 | 22.5% |
| JPMorgan Chase Bank, National Association | 278 | 6.125% | $415,000 | 12.3% |
| Fairway Independent Mortgage Corporation | 274 | 6.250% | $415,000 | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 219 | 6.125% | $395,000 | 6.2% |
| CMG MORTGAGE, INC. | 208 | 6.990% | $360,000 | 11.7% |
| Bell Bank | 191 | 6.500% | $405,000 | 10.7% |
| Mountain America Federal Credit Union | 177 | 8.000% | $145,000 | 50.9% |
| GUILD MORTGAGE COMPANY | 170 | 6.250% | $375,000 | 9.6% |
| NATIONSTAR MORTGAGE LLC | 157 | 5.990% | $385,000 | 16.4% |
| U.S. Bank National Association | 157 | 6.000% | $545,000 | 10.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 150 | 6.125% | $290,000 | 6.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 138 | 6.125% | $485,000 | 5.3% |
| THE LOAN STORE, INC. | 131 | 6.490% | $355,000 | 9.8% |
| V.I.P. MORTGAGE, INC. | 127 | 6.375% | $385,000 | 3.8% |
| FINANCE OF AMERICA REVERSE LLC | 126 | 6.375% | $235,000 | 10.5% |
| LAKEVIEW LOAN SERVICING, LLC | 123 | 5.990% | $435,000 | 60.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 123 | 5.750% | $435,000 | 14.2% |
| Loandepot.Com, LLC | 119 | 5.750% | $435,000 | 27.7% |
| LoanUnited.com, LLC | 113 | 5.990% | $405,000 | 11.6% |
| Zions Bancorporation, N.A. | 113 | 8.000% | $355,000 | 27.1% |
| GUARANTEED RATE, INC. | 110 | 6.100% | $435,000 | 7.3% |
| AMERICA FIRST Federal Credit Union | 110 | 7.490% | $125,000 | 25.8% |
| PNC Bank, National Association | 108 | 7.990% | $155,000 | 37.6% |
| OneAZ Credit Union | 104 | 6.125% | $530,000 | 15.1% |
| MORIA DEVELOPMENT, INC. | 103 | 6.750% | $345,000 | 2.8% |
| UNION HOME MORTGAGE CORP. | 99 | 6.125% | $435,000 | 8.2% |
| Paramount Residential Mortgage Group, Inc. | 98 | 6.500% | $500,000 | 3.0% |
| Broker Solutions, Inc. | 92 | 6.433% | $385,000 | 14.8% |
| PHH Mortgage Corporation | 85 | 5.875% | $445,000 | 10.1% |
| LONGBRIDGE FINANCIAL, LLC | 80 | 6.250% | $240,000 | 9.8% |
| MOVEMENT MORTGAGE, LLC | 79 | 6.125% | $485,000 | 6.2% |
| PLANET HOME LENDING, LLC | 79 | 5.875% | $405,000 | 11.0% |
| SPRING EQ, LLC | 74 | 8.888% | $145,000 | 51.6% |
| UMB Bank, National Association | 73 | 5.990% | $305,000 | 31.8% |
| A&D Mortgage LLC | 69 | 6.125% | $485,000 | 1.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 69 | 6.125% | $485,000 | 2.8% |
| CHAMPIONS FUNDING, LLC | 68 | 7.500% | $310,000 | 29.2% |
| Third Federal Savings and Loan Association of Cleveland | 67 | 6.990% | $145,000 | 39.7% |
| Mortgage Research Center, LLC | 64 | 5.750% | $380,000 | 61.6% |
| Plains Commerce Bank | 64 | 6.250% | $460,000 | 4.5% |
| PENTAGON FEDERAL CREDIT UNION | 63 | 7.750% | $245,000 | 25.9% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 62 | 6.188% | $375,000 | 38.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 62 | 6.500% | $440,000 | 18.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 62 | 5.750% | $415,000 | 6.7% |
| FirstBank | 53 | 7.500% | $315,000 | 21.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 52 | 5.873% | $495,000 | 10.3% |
| Wells Fargo Bank, National Association | 51 | 6.000% | $285,000 | 27.1% |
| ALLIANT CREDIT UNION | 50 | 8.250% | $165,000 | 32.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 50 | 6.490% | $380,000 | 2.0% |
| Lendage, LLC | 46 | 10.813% | $115,000 | 5.7% |
| DIRECT MORTGAGE LOANS, LLC | 46 | 6.375% | $425,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 42 | 6.125% | $370,000 | 21.8% |
| NEXERA HOLDING LLC | 41 | 7.250% | $365,000 | 18.0% |
| NexBank | 41 | 6.250% | $535,000 | 8.5% |
| Navy Federal Credit Union | 40 | 5.875% | $355,000 | 34.4% |
| Discover Bank | 39 | 8.750% | $105,000 | 70.2% |
| Comerica Bank | 39 | 5.990% | $175,000 | 50.0% |
| Alerus Financial, National Association | 39 | 5.750% | $525,000 | 14.6% |
| MidFirst Bank | 38 | 7.250% | $380,000 | 11.6% |
| Kiavi Funding, Inc. | 37 | 7.125% | $325,000 | 16.7% |
| OCMBC, INC. | 36 | 6.625% | $365,000 | 10.6% |
| BOKF, National Association | 36 | 5.983% | $195,000 | 26.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 35 | 6.375% | $375,000 | 9.5% |
| Sunflower Bank, National Association | 35 | 6.125% | $395,000 | 2.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 34 | 6.188% | $365,000 | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 33 | 7.125% | $335,000 | 58.8% |
| Equity Prime Mortgage LLC | 33 | 6.250% | $395,000 | 15.0% |
| CANOPY MORTGAGE, LLC | 32 | 6.058% | $500,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 31 | 6.375% | $425,000 | 6.1% |
| Cornerstone First Mortgage, Inc | 31 | 6.875% | $395,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 30 | 7.125% | $390,000 | 52.4% |
| NBKC BANK | 30 | 5.625% | $495,000 | 16.7% |
| Waterstone Mortgage Corporation | 30 | 6.500% | $400,000 | 6.3% |
| STG MORTGAGE INC | 30 | 6.625% | $380,000 | 8.6% |
| SmartFi Home Loans, LLC | 30 | 8.980% | $225,000 | 34.8% |
| EFINITY FINANCIAL INC. | 29 | 6.625% | $305,000 | 37.0% |
| KIND LENDING, LLC | 29 | 6.750% | $425,000 | 50.0% |
| Prosperity Home Mortgage, LLC | 29 | 6.000% | $395,000 | 12.1% |
| CLEARPATH LENDING | 29 | 5.750% | $375,000 | 3.3% |
| CREDIT UNION WEST | 28 | 5.000% | $465,000 | 6.7% |
| AML FUNDING LLC | 28 | 6.813% | $300,000 | 20.0% |
| KS StateBank | 28 | 7.790% | $670,000 | 6.3% |
| INTELLILOAN, INC. | 27 | 6.125% | $385,000 | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 27 | 6.125% | $375,000 | 31.7% |
| Nations Lending Corporation | 26 | 6.058% | $420,000 | 2.9% |
| HIGHTECHLENDING INC | 26 | 6.500% | $225,000 | 0.0% |
| Copper State Credit Union | 25 | 6.750% | $85,000 | 18.8% |
| Citadel Servicing Corporation | 24 | 7.375% | $310,000 | 0.0% |
| ARC HOME LLC | 24 | 7.000% | $405,000 | 7.7% |
| LADERA LENDING, INC. | 23 | 6.875% | $205,000 | 16.7% |
| LOWER, LLC | 23 | 5.990% | $385,000 | 17.9% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 23 | 5.875% | $165,000 | 24.2% |
| Flagstar Bank, N.A. | 23 | 6.125% | $695,000 | 25.8% |
| Genesis Capital, LLC | 23 | 8.750% | $2,025,000 | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 22 | 6.375% | $165,000 | 4.4% |
| EVO HOME LOANS, LLC | 22 | 6.433% | $485,000 | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 22 | 6.313% | $350,000 | 24.1% |
| PLAZA HOME MORTGAGE, INC. | 22 | 6.063% | $375,000 | 40.5% |
| NQM FUNDING, LLC | 22 | 7.375% | $500,000 | 16.1% |
| Bankers Trust Company | 22 | 7.750% | $405,000 | 8.3% |
| BETTER MORTGAGE CORPORATION | 20 | 5.750% | $465,000 | 41.2% |
| NEW DAY FINANCIAL, LLC | 20 | 6.490% | $385,000 | 14.3% |
| Hometown Equity Mortgage, LLC | 20 | 7.313% | $315,000 | 54.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 20 | 6.250% | $425,000 | 4.8% |
| RESICENTRAL, LLC | 20 | 5.990% | $390,000 | 4.6% |
| Commerce Home Mortgage, Inc. | 19 | 7.250% | $405,000 | 24.0% |
| Charles Schwab Bank, SSB | 19 | 5.550% | $1,025,000 | 5.0% |
| AMERICAN HERITAGE LENDING, LLC | 18 | 7.063% | $280,000 | 16.7% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 18 | 6.625% | $310,000 | 0.0% |
| TRUWEST Credit Union | 17 | 5.750% | $485,000 | 39.4% |
| Boeing Employees Credit Union | 17 | 6.990% | $175,000 | 34.5% |
| ROYAL UNITED MORTGAGE LLC | 17 | 6.375% | $125,000 | 24.0% |
| BMO Bank National Association | 17 | 5.625% | $805,000 | 19.1% |
| ALTITUDE FINANCIAL CORPORATION | 17 | 6.625% | $375,000 | 0.0% |
| NFM, INC. | 17 | 6.125% | $435,000 | 5.6% |
| SayGO Home Loans, LLC | 16 | 5.000% | $390,000 | 27.3% |
| Bethpage Federal Credit Union | 16 | 6.990% | $235,000 | 57.9% |
| First-Citizens Bank & Trust Company | 16 | 6.490% | $230,000 | 20.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 15 | 5.990% | $385,000 | 17.4% |
| TRUSTONE FINANCIAL CREDIT UNION | 15 | 7.500% | $135,000 | 6.3% |
| The Federal Savings Bank | 14 | 5.938% | $535,000 | 26.3% |
| QUORUM FEDERAL CREDIT UNION | 14 | 9.000% | $130,000 | 45.5% |
| JMAC LENDING, INC. | 14 | 6.375% | $380,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 14 | 10.375% | $475,000 | 41.7% |
| Filo Mortgage, L.L.C. | 14 | 6.125% | $425,000 | 0.0% |
| ARIZONA CENTRAL | 14 | 5.632% | $435,000 | 6.7% |
| AERO Federal Credit Union | 14 | 5.375% | $515,000 | 12.5% |
| Northpointe Bank | 14 | 5.933% | $520,000 | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 13 | 6.625% | $345,000 | 27.8% |
| GoodLeap, LLC | 13 | 5.750% | $355,000 | 31.8% |
| PREMIER LENDING, INC. | 13 | 6.125% | $345,000 | 5.9% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 13 | 6.690% | $135,000 | 27.8% |
| Morgan Stanley Private Bank, National Association | 13 | 5.550% | $935,000 | 0.0% |
| VANTAGE WEST | 13 | 5.625% | $705,000 | 0.0% |
| Western State Bank | 13 | 6.250% | $370,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 6.058% | $470,000 | 25.0% |
| Synergy One Lending, Inc. | 12 | 6.375% | $595,000 | 7.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 12 | 5.808% | $370,000 | 11.1% |
| Click n' Close, Inc. | 12 | 5.995% | $390,000 | 0.0% |
| Luminate Bank | 12 | 6.125% | $390,000 | 0.0% |
| First National Bank of America | 12 | 8.933% | $255,000 | 36.8% |
| Citibank, National Association | 12 | 5.875% | $1,050,000 | 0.0% |
| NEW WEST LENDING, INC. | 12 | 6.125% | $400,000 | 0.0% |
| MISSION LOANS, LLC | 11 | 8.250% | $125,000 | 0.0% |
| Farmers Bank & Trust | 11 | 6.125% | $445,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 11 | 6.025% | $435,000 | 21.4% |
| CAKE MORTGAGE CORP. | 11 | 7.250% | $265,000 | 8.3% |
| Logan Finance Corporation | 11 | 7.124% | $455,000 | 21.4% |
| TOWNE MORTGAGE COMPANY | 11 | 5.625% | $305,000 | 0.0% |
| HILTON FINANCIAL CORPORATION | 11 | 12.000% | $215,000 | 0.0% |
| Wilmington Savings Fund Society, FSB | 11 | 7.740% | $105,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 11 | 7.250% | $275,000 | 0.0% |
| First International Bank & Trust | 10 | 7.063% | $405,000 | 16.7% |
| OAKTREE FUNDING CORP. | 10 | 7.125% | $645,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | 6.990% | $810,000 | 35.3% |
| SUMMIT FUNDING, INC. | 10 | 6.625% | $425,000 | 16.7% |
| Sierra Pacific Mortgage Company, Inc. | 10 | 6.500% | $365,000 | 9.1% |
| Ameris Bank | 10 | 5.563% | $725,000 | 0.0% |
| LIMA ONE CAPITAL, LLC | 10 | 8.225% | $440,000 | 9.1% |
| Loan Simple, Inc. | 10 | 6.125% | $390,000 | 9.1% |
| CORNERSTONE CAPITAL BANK, SSB | 10 | 6.490% | $330,000 | 0.0% |
| NuVision Federal Credit Union | 10 | 4.990% | $165,000 | 16.7% |
| ML Mortgage Corp. | 10 | 6.990% | $265,000 | 9.1% |
| BPL MORTGAGE TRUST, LLC | 10 | 6.750% | $300,000 | 0.0% |
| GENEVA FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 30.0% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 8.3% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 8.3% |
| MICHIGAN MUTUAL, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| LANDINGS | 9 | Under 10 loans | Under 10 loans | 16.7% |
| GEORGIA'S OWN | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Global Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| ONY GLO, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| American Airlines Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 8 | Under 10 loans | Under 10 loans | 20.0% |
| RESIDENTIAL MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| UBS Bank USA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Valon Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 15.4% |
| WALKER & DUNLOP, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ENVOY MORTGAGE, LTD | 7 | Under 10 loans | Under 10 loans | 30.0% |
| SUN AMERICAN MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CTBC Bank Corp. (USA) | 7 | Under 10 loans | Under 10 loans | 22.2% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 357 lenders each made 7 or fewer mortgages here, and are counted in the totals above.
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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. 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.