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Mortgage Lenders and Brokers in Flagstaff, Arizona

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Flagstaff, Arizona mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4830 N Us Highway 89, Flagstaff, AZ 86004A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1200 S Milton Rd, Flagstaff, AZ 86001A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA2625 S Woodlands Village Blvd, Flagstaff, AZ 86001A+5.0 ★Texas Ratio: 4.14%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.2638 E Route 66, Flagstaff, AZ 86004A+5.0 ★Texas Ratio: 3.72%, PNC Bank N.A.PNC Bank N.A.2 E Birch Ave, Flagstaff, AZ 86001A+5.0 ★Texas Ratio: 4.24%, Glacier BankGlacier Bank1750 S Woodlands Village Blvd, Flagstaff, AZ 86001A+5.0 ★Texas Ratio: 1.87%, Oneaz Credit UnionOneaz Credit Union5200 N US Highway 89, FLAGSTAFF, AZ 86004A+5.0 ★Texas Ratio: 4.17%, US Bank, N.A.US Bank, N.A.3185 W Apache Trl, Apache Junction, AZ 85120A+5.0 ★Texas Ratio: 2.85%, Arizona Central Credit UnionArizona Central Credit Union2521 N West St, FLAGSTAFF, AZ 86004A5.0 ★Texas Ratio: 8.52%, and Desert Financial Credit UnionDesert Financial Credit UnionCypress Flagstaff Mall, Flagstaff, AZ 86004 2424A+5.0 ★Texas Ratio: 2.04%. 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 Flagstaff, Arizona in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Flagstaff 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 Flagstaff, Arizona

Market share is the lender's share of all home loans closed in Flagstaff, 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
JPMorgan Chase Bank, NA 3 offices in Flagstaff 4830 N Us Highway 89, Flagstaff, AZ 86004 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	14 +3 HELOCs	1.5%	82.4%	$606,428	View
Wells Fargo Bank NA 2 offices in Flagstaff 1200 S Milton Rd, Flagstaff, AZ 86001 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	9	0.9%	71.4%	$617,222	View
Bank of America NA 2 offices in Flagstaff 2625 S Woodlands Village Blvd, Flagstaff, AZ 86001 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	6 +7 HELOCs	0.6%	85.7%	$416,666	View
Zions Bancorporation, N.A. 2 offices in Flagstaff 2638 E Route 66, Flagstaff, AZ 86004 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	3 +22 HELOCs	0.3%	80%	$1,131,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Flagstaff 2 E Birch Ave, Flagstaff, AZ 86001 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.3%	75%	$741,666	View
Glacier Bank 1 office in Flagstaff 1750 S Woodlands Village Blvd, Flagstaff, AZ 86001 A+5.0 ★Texas Ratio: 1.87%	HELOC	0 +2 HELOCs	0%	0%		View
Oneaz Credit Union 5200 N US Highway 89, FLAGSTAFF, AZ 86004 A+5.0 ★Texas Ratio: 4.17%	Conventional, HELOC	42 +58 HELOCs	4.4%	75.9%	$336,190	View
US Bank, N.A. 3185 W Apache Trl, Apache Junction, AZ 85120 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	12 +4 HELOCs	1.2%	85.7%	$965,833	View
Arizona Central Credit Union 2521 N West St, FLAGSTAFF, AZ 86004 A5.0 ★Texas Ratio: 8.52%	Conventional, HELOC	8 +1 HELOCs	0.8%	88.9%	$241,250	View
Desert Financial Credit Union Cypress Flagstaff Mall, Flagstaff, AZ 86004 2424 A+5.0 ★Texas Ratio: 2.04%	Conventional, Jumbo, HELOC	6 +38 HELOCs	0.6%	100%	$506,666	View
BMO Harris Bank NA 1160 S Watson Rd, Buckeye, AZ 85326 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	6 +3 HELOCs	0.6%	100%	$865,000	View
Truwest Credit Union 1990 W Elliot Rd, Chandler, AZ 85224 1816 A+5.0 ★Texas Ratio: 4.57%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.5%	75%	$929,000	View
Arizona Financial Credit Union 13085 W McDowell Rd, Avondale, AZ 85392 6435 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	4 +4 HELOCs	0.4%	100%	$345,000	View
Bell Bank 1850 E Northrop Blvd, Chandler, AZ 85286 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.4%	80%	$907,500	View
MidFirst Bank 3611 W Anthem Way, Anthem, AZ 85086 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	4	0.4%	100%	$1,145,000	View
Unison Bank 1835 E Pecos Rd, Gilbert, AZ 85295 A+5.0 ★Texas Ratio: 3.87%	Conventional	4	0.4%	66.7%	$105,000	View
Bokf NA 901 Dobson, Mesa, AZ 85201 A+5.0 ★Texas Ratio: 1.05%	Conventional	2	0.2%	66.7%	$585,000	View
Sunflower Bank, N.A. 355 E Germann Rd, Gilbert, AZ 85297 A5.0 ★Texas Ratio: 10.77%	Conventional, Jumbo	2	0.2%	100%	$3,255,000	View
Copper State Credit Union 3428 W Anthem Way, Anthem, AZ 85086 A+5.0 ★Texas Ratio: 3.49%	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$55,000	View
Alerus Financial NA 1640 S Stapley Dr Ste 105, Mesa, AZ 85204 A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo	1	0.1%	100%	$995,000	View
First Western Trust Bank 2425 E Camelback Rd, Phoenix, AZ 85016 A+5.0 ★Texas Ratio: 5.16%	Conventional	1	0.1%	100%	$275,000	View
Vantage West Credit Union 2008 E Florence Blvd, Casa Grande, AZ 85122 5402 A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$485,000	View
First Credit Union 475 N Gila Springs Blvd, Chandler, AZ 85226 A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0.1%	100%	$485,000	View
Banterra Bank 15100 N 78th Way, Scottsdale, AZ 85260 A4.7 ★Texas Ratio: 4.32%	Conventional	1	0.1%	100%	$515,000	View
V.I.P. Mortgage, Inc.	Conventional, FHA, Jumbo	22	2.3%	95.7%	$450,000
The Loan Store, Inc	Conventional, HELOC	15 +1 HELOCs	1.6%	93.8%	$435,000
Peoples Mortgage Company	Conventional, FHA, Jumbo	15	1.6%	100%	$534,333
NOVA Financial & Investment Corporation	Conventional, FHA, Jumbo	11	1.1%	64.7%	$401,363
Geneva Financial LLC	Conventional, VA	4	0.4%	100%	$585,000
Sun American Mortgage Company	Conventional	2	0.2%	100%	$375,000
Altitude Financial Corporation	Conventional	2	0.2%	100%	$395,000
Homeowners Financial Group, LLC	Conventional	2	0.2%	100%	$560,000
Valon Mortgage	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$295,000
Peak Residential Lending Inc	Conventional	1	0.1%	100%	$495,000
Starboard Financial Management, LLC	Conventional	1	0.1%	100%	$265,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	134 +5 HELOCs	13.9%	95.7%	$470,671
Rocket Mortgage	Conventional, FHA, VA, Jumbo	96	9.9%	88.2%	$406,666
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	51	5.3%	100%	$465,000
Intercap Lending Inc	Conventional, FHA, VA, Jumbo	48	5%	100%	$561,458
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	45	4.7%	100%	$441,666
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	33 +1 HELOCs	3.4%	94.3%	$451,969
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	23	2.4%	85.7%	$435,434
Cmg Mortgage Inc	Conventional, FHA, VA, Jumbo, HELOC	18 +7 HELOCs	1.9%	100%	$538,333
Nationstar Mortgage	Conventional	15	1.6%	88.2%	$244,333
Fairway Independent Mort Corp	Conventional	14	1.5%	78.9%	$465,714
Triad Financial Services, Inc.	Conventional	13	1.3%	66.7%	$101,153
Lakeview Loan Servicing, LLC	Conventional, VA	10	1%	80%	$304,000
Newrez LLC	Conventional, FHA, VA	10	1%	90.9%	$380,000
Guaranteed Rate, Inc.	Conventional, FHA	9	0.9%	100%	$392,777
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	9	0.9%	100%	$460,555
Prosperity Home Mortgage, LLC	Conventional, FHA, Jumbo	7	0.7%	100%	$505,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	7	0.7%	100%	$1,869,285	View
American Financial Network, Inc.	Conventional, FHA, VA	6	0.6%	85.7%	$375,000
Paramount Residential Mortgage	Conventional, FHA	6	0.6%	100%	$356,666
Spring Eq, LLC	Conventional, HELOC	5 +5 HELOCs	0.5%	54.5%	$93,000
loanDepot.com LLC	Conventional, HELOC	5 +1 HELOCs	0.5%	55.6%	$245,000
Synergy One Lending, Inc.	Conventional, VA, Jumbo	5	0.5%	62.5%	$645,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	5	0.5%	71.4%	$391,000	View
Mortgage Research Center	VA	5	0.5%	71.4%	$453,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	5	0.5%	83.3%	$529,000	View
Equity Prime Mortgage LLC	FHA	4	0.4%	100%	$460,000
Wallick and Volk, Inc.	Conventional	4	0.4%	100%	$390,000
Success Mortgage Partners, Inc	Conventional, FHA	4	0.4%	100%	$395,000
Sun West Mortgage Company, Inc A+5.0 ★Texas Ratio: 2.68%	Conventional, FHA	4	0.4%	83.3%	$532,500	View
Union Home Mortgage Corp.	Conventional	4	0.4%	100%	$417,500
American Pacific Mortgage Corporation	Conventional	4	0.4%	100%	$350,000
New American Funding, LLC.	Conventional, FHA	4	0.4%	100%	$350,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	4	0.4%	100%	$1,260,000	View
Carrington Mortgage Services LLC	Conventional, FHA, VA, Jumbo	4	0.4%	50%	$582,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	3 +2 HELOCs	0.3%	100%	$525,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0.3%	100%	$538,333	View
Goodleap, LLC	Conventional, FHA	3	0.3%	100%	$398,333
Nbkc Bank	Conventional	3	0.3%	100%	$258,333
Kind Lending, LLC	Conventional	3	0.3%	60%	$501,666
Evo Home Loans, LLC dba Epiq Lending	Conventional	3	0.3%	100%	$535,000
Click n' Close, Inc.	Conventional, FHA	3	0.3%	100%	$271,666
Strong Home Mortgage, LLC	Conventional	3	0.3%	100%	$388,333
Waterstone Mortgage Corporation	Conventional, VA	3	0.3%	100%	$635,000
21St Mortgage	Conventional	3	0.3%	25%	$115,000
Nexera Holding LLC	Conventional	3	0.3%	100%	$558,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	3	0.3%	100%	$431,666	View
Plaza Home Mortgage, Inc	Conventional	3	0.3%	100%	$228,333
JMAC Lending, Inc.	Conventional	3	0.3%	100%	$438,333
Bank of Colorado	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$425,000
Arc Home LLC	Conventional	2	0.2%	100%	$470,000
Cornerstone First Mortgage, LLC	Conventional	2	0.2%	100%	$710,000
Global Federal Credit Union	Conventional	2	0.2%	100%	$495,000
Movement Mortgage, LLC	Conventional	2	0.2%	66.7%	$495,000
Advancial Federal Credit Union	Conventional	2	0.2%	100%	$230,000
Amerisave Mortgage Company	Conventional	2	0.2%	18.2%	$105,000
Discover Bank	Conventional	2	0.2%	33.3%	$110,000
Credit Human Federal Credit Un	Conventional	2	0.2%	25%	$80,000
ClearPath Lending	VA	2	0.2%	100%	$400,000
American Heritage Lending, LLC	Conventional	2	0.2%	100%	$515,000
Franklin Loan Corporation	Conventional, FHA, Jumbo	2	0.2%	100%	$1,155,000
Better Mortgage Corporation	Conventional	2	0.2%	100%	$500,000
Mutual of Omaha Mortgage	Conventional, VA	2	0.2%	100%	$580,000
ClearEdge Lending LLC	Conventional	2	0.2%	100%	$405,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	66.7%	$345,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.2%	50%	$145,000
Quorum Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$245,000
Alliant Credit Union	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$2,005,000
Originpoint, LLC	Conventional	1	0.1%	100%	$385,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$525,000	View
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$105,000
American Financial Resources LLC	Conventional	1	0.1%	100%	$545,000
Cliffco, Inc.	Conventional, Jumbo	1	0.1%	100%	$885,000
Primelending	Conventional	1	0.1%	100%	$705,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$535,000	View
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$655,000
Sage Home Loans Corporation	Conventional	1	0.1%	50%	$515,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$445,000
Loanunited.Com, LLC	Conventional	1	0.1%	100%	$445,000
Deephaven Mortgage LLC	Conventional, Jumbo	1	0.1%	100%	$1,165,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$55,000	View
AmWest Funding Corp	Conventional	1	0.1%	100%	$305,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$585,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,205,000
HomeBridge Financial Services, Inc	Conventional	1	0.1%	100%	$275,000
Sfmc, LP	FHA	1	0.1%	100%	$505,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional, Jumbo	1	0.1%	100%	$865,000
Securitynational Mortgage Company	Conventional	1	0.1%	100%	$265,000
Mountain America Federal Credit Union A5.0 ★Texas Ratio: 9.78%	Conventional	1	0.1%	100%	$745,000
Real Genius LLC	Conventional	1	0.1%	100%	$575,000
Calcon Mutual Mortgage LLC	FHA	1	0.1%	100%	$365,000
Ameritrust Mortgage Corporation	Conventional, Jumbo	1	0.1%	100%	$1,195,000
Nfm, Inc	Conventional	1	0.1%	100%	$345,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$585,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$325,000
Premier Lending Inc.	Conventional	1	0.1%	100%	$625,000
First Central State Bank A+5.0 ★Texas Ratio: 1.64%	Conventional	1	0.1%	100%	$475,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$305,000	View
Provident Funding Associates	Conventional	1	0.1%	33.3%	$525,000
Direct Mortgage Loans, LLC	FHA	1	0.1%	100%	$525,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$235,000
Libertyville Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo	1	0.1%	100%	$1,255,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$765,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$575,000	View
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	FHA	1	0.1%	100%	$505,000	View
America First Federal Credit Union A5.0 ★Texas Ratio: 8.33%	Conventional	1	0.1%	50%	$25,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$275,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$605,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$215,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.1%	50%	$2,125,000
Veritas Funding, LLC	Conventional	1	0.1%	100%	$305,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional	1	0.1%	50%	$95,000	View
Lower, LLC	FHA	1	0.1%	100%	$295,000
Right Start Mortgage, Inc	Conventional	1	0.1%	100%	$305,000
Toyota Financial Savings Bank	Conventional	1	0.1%	100%	$745,000
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	1	0.1%	100%	$1,505,000	View
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$725,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$515,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,685,000
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Trustone Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Chevron Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Empeople Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +1 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Flagstaff Mortgage Rate Trends

Daily average mortgage rates for Arizona compared with the national average, updated every evening.

30-Year Fixed AZ Avg

7.415%

▲ 0.058 vs 7 days ago

15-Year Fixed AZ Avg

6.885%

▲ 0.031 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Flagstaff, Arizona

Looking for mortgage lenders near me or mortgage brokers near me in Flagstaff? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Flagstaff in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Flagstaff, AZ

Use these to narrow the list above. Each category shows how many Flagstaff, AZ lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 103 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 37 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 25 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 32 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 22 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 39 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AZ 19 lenders headquartered in Arizona, the closest thing to a mortgage lender near you

Who Lends in Flagstaff, AZ

Independent mortgage companies closed 79.5 percent of home loans in Flagstaff, Arizona in 2025, banks 12.1 percent and credit unions 8.4 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 42 loans.

79.5%

Mortgage companies

12.1%

Banks

8.4%

Credit unions

FHA loans

VA 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

All Arizona lenders 836 lenders Phoenix 477 lenders Mesa 396 lenders Tucson 262 lenders Surprise 289 lenders Buckeye 263 lenders Gilbert 308 lenders San Tan Valley 268 lenders Peoria 291 lenders Chandler 292 lenders Scottsdale 366 lenders Glendale 252 lenders Goodyear 252 lenders

Frequently Asked Questions About Mortgage Lenders in Flagstaff, AZ

Who is the largest mortgage lender in Flagstaff, AZ?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Flagstaff, Arizona with 14 loans, about 1.5 percent of the market. The largest lender headquartered in Arizona was Oneaz Credit Union with 42 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Flagstaff, AZ have the highest approval rates?

Among lenders with meaningful volume in Flagstaff, Arizona, Ark-La-Tex Financial Services LLC approved the highest share of completed applications in 2025 at 100 percent, against a 86.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Flagstaff, AZ mortgage lenders offer FHA, VA and USDA loans?

32 lenders closed FHA loans in Flagstaff, Arizona in 2025, led by United Wholesale Mortgage with 18. 22 lenders closed VA loans, led by United Wholesale Mortgage. 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.

Are credit unions and local banks included in this Flagstaff, AZ lender list?

Yes. 37 banks and 25 credit unions closed home loans in Flagstaff, Arizona in 2025, alongside 103 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.

How are mortgage lenders in Flagstaff, AZ ranked on this page?

Lenders are ranked only by the number of home loans they closed in Flagstaff, 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 Flagstaff, 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 Flagstaff. 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.