Mortgage lenders in Navajo County
2,176 mortgages were made in Navajo County, Arizona, in 2025, by 289 lenders. The median rate their borrowers got was 6.750% on a median loan of $255,000. Of 2,969 decisions, 638 were denials — 21.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 264 | 6.750% | $245,000 | 13.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 218 | 6.500% | $295,000 | 9.3% |
| GUILD MORTGAGE COMPANY | 160 | 6.750% | $245,000 | 4.4% |
| Zions Bancorporation, N.A. | 68 | 7.750% | $255,000 | 25.6% |
| DESERT FINANCIAL CREDIT UNION | 57 | 6.490% | $125,000 | 25.6% |
| THE LOAN STORE, INC. | 55 | 6.750% | $295,000 | 6.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 45 | 6.750% | $305,000 | 13.5% |
| PENNYMAC LOAN SERVICES, LLC | 41 | 6.499% | $295,000 | 14.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 38 | 6.688% | $265,000 | 2.6% |
| Fairway Independent Mortgage Corporation | 35 | 6.688% | $235,000 | 12.2% |
| 21st Mortgage Corporation | 32 | 8.975% | $165,000 | 44.6% |
| Mortgage Research Center, LLC | 29 | 6.250% | $305,000 | 31.8% |
| NEWREZ LLC | 28 | 6.625% | $310,000 | 36.4% |
| ALTITUDE FINANCIAL CORPORATION | 27 | 6.625% | $275,000 | 0.0% |
| V.I.P. MORTGAGE, INC. | 26 | 6.875% | $315,000 | 3.7% |
| BMO Bank National Association | 25 | 8.330% | $115,000 | 38.1% |
| Peak Residential Lending Inc | 25 | 6.500% | $205,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 24 | 6.558% | $265,000 | 17.7% |
| CMG MORTGAGE, INC. | 24 | 6.990% | $370,000 | 10.0% |
| NATIONSTAR MORTGAGE LLC | 24 | 8.058% | $110,000 | 13.8% |
| Mountain America Federal Credit Union | 23 | 7.125% | $125,000 | 35.1% |
| Loandepot.Com, LLC | 23 | 7.000% | $135,000 | 38.5% |
| KIND LENDING, LLC | 23 | 6.875% | $355,000 | 33.3% |
| Arizona Financial Credit Union | 23 | 7.000% | $205,000 | 7.7% |
| JPMorgan Chase Bank, National Association | 21 | 6.990% | $205,000 | 24.1% |
| Wells Fargo Bank, National Association | 20 | 6.375% | $240,000 | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.875% | $355,000 | 13.6% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 18 | 6.813% | $305,000 | 28.0% |
| AmeriSave Mortgage Corporation | 17 | 7.125% | $135,000 | 65.3% |
| ARIZONA CENTRAL | 17 | 7.750% | $155,000 | 34.6% |
| FIGURE LENDING LLC | 16 | 8.925% | $75,000 | 35.3% |
| Bank of America, National Association | 15 | 6.125% | $205,000 | 31.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 12 | 9.120% | $170,000 | 81.8% |
| OneAZ Credit Union | 12 | 7.250% | $180,000 | 33.3% |
| Bell Bank | 12 | 6.750% | $450,000 | 0.0% |
| Equity Prime Mortgage LLC | 11 | 6.625% | $285,000 | 21.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.375% | $245,000 | 8.3% |
| OCMBC, INC. | 11 | 8.400% | $405,000 | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 11 | 7.000% | $375,000 | 8.3% |
| USAA Federal Savings Bank | 11 | 6.500% | $305,000 | 8.3% |
| SPRING EQ, LLC | 10 | 8.413% | $105,000 | 62.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 10 | 8.450% | $135,000 | 34.8% |
| AMERICA FIRST Federal Credit Union | 10 | 6.865% | $120,000 | 37.5% |
| Plains Commerce Bank | 10 | 6.625% | $335,000 | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 10 | 6.990% | $215,000 | 9.1% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 37.5% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 54.6% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 52.6% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 41.2% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 60.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MidFirst Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PIMA Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MORIA DEVELOPMENT, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 38.5% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TRUWEST Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| STG MORTGAGE INC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Copper State Credit Union | 6 | Under 10 loans | Under 10 loans | 12.5% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 5.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE WEST | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 70.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION WEST | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 30.8% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Glacier Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Western State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KS StateBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWH FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| HUGHES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AERO Federal Credit Union | 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% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT RATE HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Deseret First Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 89 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Navajo County
16 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 6 | $372.7 million |
| Zions Bancorporation, N.A. | 4 | $380.0 million |
| JPMorgan Chase Bank, National Association | 2 | $333.8 million |
| BMO Bank National Association | 2 | $69.0 million |
| WaFd Bank | 1 | $64.7 million |
| PNC Bank, National Association | 1 | $41.2 million |
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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.