Mortgage Lenders and Brokers in Carefree, Arizona
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Carefree, Arizona mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA7206 E Wampum Way, Carefree, AZ 85377A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA37217 N Tom Darlington Dr, Carefree, AZ 85377A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.3185 W Apache Trl, Apache Junction, AZ 85120A+5.0 ★Texas Ratio: 2.85%, Bell BankBell Bank1850 E Northrop Blvd, Chandler, AZ 85286A+5.0 ★Texas Ratio: 3.66%, Sunflower Bank, N.A.Sunflower Bank, N.A.355 E Germann Rd, Gilbert, AZ 85297A5.0 ★Texas Ratio: 10.77%, BMO Harris Bank NABMO Harris Bank NA1160 S Watson Rd, Buckeye, AZ 85326A+5.0 ★Texas Ratio: 3.54%, Oneaz Credit UnionOneaz Credit Union1021 N State Route 89 Ste 106, CHINO VALLEY, AZ 86323 6558A+5.0 ★Texas Ratio: 4.17%, MidFirst BankMidFirst Bank3611 W Anthem Way, Anthem, AZ 85086A+5.0 ★Texas Ratio: 4.93%, First Credit UnionFirst Credit Union475 N Gila Springs Blvd, Chandler, AZ 85226A+5.0 ★Texas Ratio: 4.65%, and Unison BankUnison Bank1835 E Pecos Rd, Gilbert, AZ 85295A+5.0 ★Texas Ratio: 3.87%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Carefree, Arizona in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carefree are listed first, then lenders elsewhere in Arizona, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Carefree, Arizona
Market share is the lender's share of all home loans closed in Carefree, Arizona. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Carefree 7206 E Wampum Way, Carefree, AZ 85377 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 7 | 6.2% | 100% | $927,857 | View |
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1 office in Carefree 37217 N Tom Darlington Dr, Carefree, AZ 85377 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +4 HELOCs |
4.4% | 100% | $809,000 | View |
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3185 W Apache Trl, Apache Junction, AZ 85120 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 6 +3 HELOCs |
5.3% | 66.7% | $1,581,666 | View |
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1850 E Northrop Blvd, Chandler, AZ 85286 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
2.7% | 100% | $888,333 | View |
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355 E Germann Rd, Gilbert, AZ 85297 A5.0 ★Texas Ratio: 10.77% |
Conventional, Jumbo | 3 | 2.7% | 100% | $928,333 | View |
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1160 S Watson Rd, Buckeye, AZ 85326 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo, HELOC | 1 +7 HELOCs |
0.9% | 100% | $1,005,000 | View |
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1021 N State Route 89 Ste 106, CHINO VALLEY, AZ 86323 6558 A+5.0 ★Texas Ratio: 4.17% |
Conventional, HELOC | 1 +2 HELOCs |
0.9% | 50% | $495,000 | View |
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3611 W Anthem Way, Anthem, AZ 85086 A+5.0 ★Texas Ratio: 4.93% |
Conventional, Jumbo | 1 | 0.9% | 100% | $2,405,000 | View |
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475 N Gila Springs Blvd, Chandler, AZ 85226 A+5.0 ★Texas Ratio: 4.65% |
Conventional | 1 | 0.9% | 100% | $805,000 | View |
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1835 E Pecos Rd, Gilbert, AZ 85295 A+5.0 ★Texas Ratio: 3.87% |
Conventional, Jumbo | 1 | 0.9% | 100% | $955,000 | View |
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13085 W McDowell Rd, Avondale, AZ 85392 6435 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.9% | 100% | $285,000 | View |
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150 E Old West Hwy, Apache Junction, AZ 85119 0002 A+5.0 ★Texas Ratio: 2.04% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 2840 Highway 95, Bullhead City, AZ 86442 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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901 Dobson, Mesa, AZ 85201 A+5.0 ★Texas Ratio: 1.05% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
V.I.P. Mortgage, Inc.
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Conventional, Jumbo | 4 | 3.5% | 100% | $1,310,000 | |
Homeowners Financial Group, LLC
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Conventional | 3 | 2.7% | 100% | $688,333 | |
NOVA Financial & Investment Corporation
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Conventional | 1 | 0.9% | 100% | $575,000 | |
Altitude Financial Corporation
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Conventional | 1 | 0.9% | 100% | $765,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.9% | 50% | $735,000 | |
United Wholesale Mortgage
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Conventional, FHA, Jumbo | 12 | 10.6% | 100% | $690,000 | |
Rocket Mortgage
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Conventional, Jumbo | 7 | 6.2% | 87.5% | $643,571 | |
Guaranteed Rate, Inc.
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Conventional | 3 | 2.7% | 100% | $728,333 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 2.7% | 100% | $1,481,666 | View |
Fairway Independent Mort Corp
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Conventional, Jumbo | 3 | 2.7% | 100% | $1,245,000 | |
Paramount Residential Mortgage
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Conventional, Jumbo | 3 | 2.7% | 100% | $778,333 | |
Arc Home LLC
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Conventional, Jumbo | 2 | 1.8% | 100% | $925,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 2 | 1.8% | 100% | $750,000 | View |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 2 | 1.8% | 100% | $975,000 | |
Guild Mortgage Company
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Conventional, Jumbo | 2 | 1.8% | 100% | $1,000,000 | |
Waterstone Mortgage Corporation
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Conventional, Jumbo | 2 | 1.8% | 100% | $1,890,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 2 | 1.8% | 100% | $850,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $545,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $365,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.9% | 100% | $765,000 | |
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A+5.0 ★Texas Ratio: 0.83% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,835,000 | View |
Greenstate Credit Union
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Conventional | 1 | 0.9% | 100% | $755,000 | |
All Credit Considered Mortgage, Inc.
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,615,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.9% | 100% | $775,000 | |
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A+5.0 ★Texas Ratio: 4.63% |
Conventional, Jumbo | 1 | 0.9% | 100% | $945,000 | View |
Movement Mortgage, LLC
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,845,000 | |
HomeStreet Bank
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Conventional | 1 | 0.9% | 100% | $385,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,275,000 | |
Synergy One Lending, Inc.
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,295,000 | |
Redwood Residential Acquisition Corporation
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,325,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,005,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.9% | 100% | $635,000 | |
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A5.0 ★Texas Ratio: 9.76% |
Conventional, Jumbo | 1 | 0.9% | 100% | $2,755,000 | View |
Evo Home Loans, LLC dba Epiq Lending
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Conventional, Jumbo | 1 | 0.9% | 100% | $835,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.9% | 100% | $755,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.9% | 100% | $255,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.9% | 100% | $805,000 | |
Nfm, Inc
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,605,000 | |
Directions Credit Union
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Conventional | 1 | 0.9% | 100% | $335,000 | |
Provident Funding Associates
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Conventional | 1 | 0.9% | 100% | $475,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.9% | 100% | $805,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.9% | 100% | $675,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $725,000 | |
Great Midwest Bank SSB
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Conventional | 1 | 0.9% | 100% | $805,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.9% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.9% | 100% | $355,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,315,000 | View |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
RBC Bank (Georgia), N.A.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Carefree Mortgage Rate Trends
Daily average mortgage rates for Arizona compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Carefree, Arizona
Looking for mortgage lenders near me or mortgage brokers near me in Carefree? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carefree in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carefree, AZ
Use these to narrow the list above. Each category shows how many Carefree, AZ lenders fit and what that kind of lender is usually best for.
Who Lends in Carefree, AZ
Independent mortgage companies closed 57.5 percent of home loans in Carefree, Arizona in 2025, banks 37.2 percent and credit unions 5.3 percent. V.I.P. Mortgage, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Oneaz Credit Union the largest credit union. Among lenders headquartered in Arizona, Oneaz Credit Union led with 1 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Arizona. None. The Arizona Constitution bars real estate transfer taxes; only a $2 affidavit of value fee and flat recording fees apply.
More Arizona Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Carefree, AZ
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Carefree, Arizona with 7 loans, about 6.2 percent of the market. The largest lender headquartered in Arizona was Oneaz Credit Union with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Carefree, Arizona in 2025, led by United Wholesale Mortgage with 1. 0 lenders closed VA loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 25 banks and 11 credit unions closed home loans in Carefree, Arizona in 2025, alongside 36 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Carefree, Arizona during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Carefree, Arizona for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Carefree. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
