☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Arizona / Oro Valley

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Oro Valley, Arizona

Content reviewed by

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

Oro Valley, Arizona mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA10310 N La Canada Dr, Oro Valley, AZ 85737A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA550 E Tangerine Rd, Oro Valley, AZ 85755A+5.0 ★Texas Ratio: 5.36%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.7601 N Oracle Rd, Oro Valley, AZ 85704A+5.0 ★Texas Ratio: 3.72%, BMO Harris Bank NABMO Harris Bank NA1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755A+5.0 ★Texas Ratio: 3.54%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust2480 S Gilbert Rd, Chandler, AZ 85286A5.0 ★Texas Ratio: 7.72%, US Bank, N.A.US Bank, N.A.3185 W Apache Trl, Apache Junction, AZ 85120A+5.0 ★Texas Ratio: 2.85%, Pima Federal Credit UnionPima Federal Credit Union11025 N Oracle Rd, Oro Valley, AZ 85737A+5.0 ★Texas Ratio: 3.94%, Vantage West Credit UnionVantage West Credit Union11165 N La Canada Dr, Oro Valley, AZ 85737 7354A+5.0 ★Texas Ratio: 5.26%, Oneaz Credit UnionOneaz Credit Union10718 N Oracle Rd, Oro Valley, AZ 85737 9338A+5.0 ★Texas Ratio: 4.17%, and Bank of America NABank of America NA10775 N Oracle Rd, Oro Valley, AZ 85737A+5.0 ★Texas Ratio: 4.14%. 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 Oro Valley, Arizona in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oro Valley 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 Oro Valley, Arizona

Market share is the lender's share of all home loans closed in Oro Valley, 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 1 office in Oro Valley 10310 N La Canada Dr, Oro Valley, AZ 85737 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	24 +4 HELOCs	2.4%	89.3%	$585,000	View
Wells Fargo Bank NA 2 offices in Oro Valley 550 E Tangerine Rd, Oro Valley, AZ 85755 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	18	1.8%	100%	$409,444	View
Zions Bancorporation, N.A. 1 office in Oro Valley 7601 N Oracle Rd, Oro Valley, AZ 85704 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	3 +15 HELOCs	0.3%	92.3%	$1,201,666	View
BMO Harris Bank NA 3 offices in Oro Valley 1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +20 HELOCs	0.1%	33.3%	$555,000	View
First Ciitizens Bank and Trust 1 office in Oro Valley 2480 S Gilbert Rd, Chandler, AZ 85286 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +2 HELOCs	0%	n/a		View
US Bank, N.A. 3185 W Apache Trl, Apache Junction, AZ 85120 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	15 +7 HELOCs	1.5%	78.9%	$515,666	View
Pima Federal Credit Union 11025 N Oracle Rd, Oro Valley, AZ 85737 A+5.0 ★Texas Ratio: 3.94%	Conventional, HELOC	13 +15 HELOCs	1.3%	87.5%	$369,615	View
Vantage West Credit Union 11165 N La Canada Dr, Oro Valley, AZ 85737 7354 A+5.0 ★Texas Ratio: 5.26%	Conventional, HELOC	9 +47 HELOCs	0.9%	90%	$330,555	View
Oneaz Credit Union 10718 N Oracle Rd, Oro Valley, AZ 85737 9338 A+5.0 ★Texas Ratio: 4.17%	Conventional, Jumbo, HELOC	6 +25 HELOCs	0.6%	66.7%	$796,666	View
Bank of America NA 10775 N Oracle Rd, Oro Valley, AZ 85737 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	5 +32 HELOCs	0.5%	100%	$641,000	View
Flagstar Bank NA 4979 S Alma School Rd, Chandler, AZ 85248 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	5	0.5%	100%	$363,000	View
Pyramid Federal Credit Union 4491 N Oracle Rd, Tucson, AZ 85705 A5.0 ★Texas Ratio: 7.78%	Conventional	3	0.3%	75%	$151,666	View
Alerus Financial NA 1640 S Stapley Dr Ste 105, Mesa, AZ 85204 A+5.0 ★Texas Ratio: 3.32%	Conventional	2	0.2%	100%	$435,000	View
Banterra Bank 15100 N 78th Way, Scottsdale, AZ 85260 A4.7 ★Texas Ratio: 4.32%	Conventional	2	0.2%	100%	$660,000	View
Sunflower Bank, N.A. 355 E Germann Rd, Gilbert, AZ 85297 A5.0 ★Texas Ratio: 10.77%	Conventional	2	0.2%	100%	$475,000	View
Desert Financial Credit Union 150 E Old West Hwy, Apache Junction, AZ 85119 0002 A+5.0 ★Texas Ratio: 2.04%	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$395,000	View
Arizona Financial Credit Union 13085 W McDowell Rd, Avondale, AZ 85392 6435 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$105,000	View
Bell Bank 1850 E Northrop Blvd, Chandler, AZ 85286 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$315,000	View
American Southwest Credit Union 654 E 7th St, Benson, AZ 85602 6638 A+5.0 ★Texas Ratio: 3.90%	Conventional	1	0.1%	100%	$65,000	View
First Credit Union 475 N Gila Springs Blvd, Chandler, AZ 85226 A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0.1%	100%	$45,000	View
AERO Federal Credit Union 18301 N 79th Ave, Glendale, AZ 85308 A+5.0 ★Texas Ratio: 0.72%	Conventional	1	0.1%	100%	$85,000	View
Bokf NA 901 Dobson, Mesa, AZ 85201 A+5.0 ★Texas Ratio: 1.05%	Conventional, Jumbo	1	0.1%	100%	$1,185,000	View
Commerce Bank 7600 E Doubletree Ranch Rd, Scottsdale, AZ 85258 A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	100%	$395,000	View
Armed Forces Bank, N.A. 52035 Arizona Street, Fort Huachuca, AZ 85670 A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$455,000	View
Copper State Credit Union 3428 W Anthem Way, Anthem, AZ 85086 A+5.0 ★Texas Ratio: 3.49%	Conventional	1	0.1%	100%	$105,000	View
Glacier Bank 3651 Highway 95, Bullhead City, AZ 86442 A+5.0 ★Texas Ratio: 1.87%	Conventional	1	0.1%	100%	$475,000	View
Hughes Federal Credit Union 971 W Wetmore Rd, Tucson, AZ 85705 1551 A-4.9 ★Texas Ratio: 15.97%	HELOC	0 +11 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2840 Highway 95, Bullhead City, AZ 86442 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +7 HELOCs	0%	n/a		View
Umb Bank NA 1000 N 54th St, Chandler, AZ 85226 A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +2 HELOCs	0%	0%		View
Truwest Credit Union 1990 W Elliot Rd, Chandler, AZ 85224 1816 A+5.0 ★Texas Ratio: 4.57%	HELOC	0 +1 HELOCs	0%	n/a		View
NOVA Financial & Investment Corporation	Conventional, FHA, VA, Jumbo, HELOC	78 +5 HELOCs	7.7%	88.9%	$414,358
V.I.P. Mortgage, Inc.	Conventional, FHA, VA, Jumbo	45	4.5%	100%	$444,555
Altitude Financial Corporation	Conventional, VA, Jumbo	37	3.7%	100%	$462,027
Peoples Mortgage Company	Conventional, FHA, VA	24	2.4%	100%	$417,500
The Loan Store, Inc	Conventional	4	0.4%	85.7%	$405,000
Homeowners Financial Group, LLC	Conventional, VA	2	0.2%	100%	$380,000
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	81	8%	85.9%	$299,938
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	71 +3 HELOCs	7.1%	90.1%	$446,408
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	70 +1 HELOCs	7%	98.6%	$455,857
Pulte Mortgage LLC	Conventional, FHA, VA	63	6.3%	92.6%	$477,380
Prosperity Home Mortgage, LLC	Conventional, VA, Jumbo	41	4.1%	100%	$427,682
Fairway Independent Mort Corp	Conventional, FHA, VA	36	3.6%	100%	$390,277
Guild Mortgage Company	Conventional	23	2.3%	100%	$358,478
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, Jumbo	20	2%	95.5%	$407,500
Pennymac Loan Services LLC	Conventional	16	1.6%	88.9%	$318,750
loanDepot.com LLC	Conventional, VA, Jumbo, HELOC	12 +4 HELOCs	1.2%	85.7%	$338,333
Newrez LLC	Conventional, VA, Jumbo	12	1.2%	72.2%	$359,166
Spring Eq, LLC	Conventional, HELOC	11 +3 HELOCs	1.1%	61.1%	$95,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, VA	11	1.1%	100%	$534,090	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	10 +6 HELOCs	1%	90.9%	$358,000
Freedom Mortgage Corporation	FHA, VA	7	0.7%	90.9%	$415,000
American Pacific Mortgage Corporation	Conventional, FHA	7	0.7%	100%	$333,571
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	7	0.7%	100%	$669,285	View
Guaranteed Rate, Inc.	Conventional, VA	6	0.6%	100%	$451,666
Nationstar Mortgage	Conventional	6	0.6%	75%	$248,333
Mortgage Research Center	VA	6	0.6%	60%	$501,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	5	0.5%	100%	$385,000	View
Primelending	Conventional, FHA	5	0.5%	100%	$323,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	5	0.5%	100%	$435,000	View
Lakeview Loan Servicing, LLC	Conventional, VA	5	0.5%	33.3%	$437,000
Discover Bank	Conventional	5	0.5%	38.5%	$99,000
Provident Funding Associates	Conventional	5	0.5%	100%	$329,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.5%	100%	$237,000	View
Cmg Mortgage Inc	Conventional, VA, Jumbo	4	0.4%	66.7%	$537,500
Union Home Mortgage Corp.	Conventional	4	0.4%	100%	$405,000
Sierra Pacific Mortgage Co. Inc	Conventional	4	0.4%	100%	$447,500
Citizens Equity First Credit U	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.3%	100%	$651,666
AAA Capital Investment, Inc	Conventional	3	0.3%	100%	$331,666
American Financial Network, Inc.	Conventional	3	0.3%	100%	$341,666
New Day Financial, LLC.	VA	3	0.3%	75%	$448,333
Baxter Credit Union A+5.0 ★Texas Ratio: 0.55%	Conventional	3	0.3%	100%	$291,666	View
Pentagon Federal Credit Union	VA, HELOC	2 +1 HELOCs	0.2%	50%	$460,000
Arc Home LLC	Conventional	2	0.2%	100%	$375,000
CIBC Bank USA A+5.0 ★Texas Ratio: 5.05%	Conventional, Jumbo	2	0.2%	100%	$1,340,000	View
American Financial Resources LLC	Conventional	2	0.2%	66.7%	$560,000
Stride Bank, National Association A5.0 ★Texas Ratio: 6.15%	Conventional, VA, Jumbo	2	0.2%	100%	$780,000	View
Global Federal Credit Union	Conventional	2	0.2%	100%	$395,000
Loanunited.Com, LLC	Conventional, FHA	2	0.2%	100%	$405,000
Amerisave Mortgage Company	Conventional	2	0.2%	40%	$85,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, Jumbo	2	0.2%	100%	$670,000	View
Sun West Mortgage Company, Inc A+5.0 ★Texas Ratio: 2.68%	VA	2	0.2%	100%	$755,000	View
Das Acquisition Company, LLC	FHA	2	0.2%	100%	$400,000
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$265,000
Cardinal Financial Company, Li	Conventional	2	0.2%	100%	$380,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.2%	66.7%	$425,000	View
Churchill Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$300,000
Nations Lending Corporation	Conventional	2	0.2%	100%	$270,000
T2 Financial LLC	Conventional, Jumbo	2	0.2%	100%	$715,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	100%	$340,000	View
Firefighters First Federal Credit Union	Conventional	2	0.2%	100%	$360,000
Genway Home Mortgage, Inc.	VA	2	0.2%	100%	$595,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, VA	2	0.2%	100%	$385,000	View
Zillow Home Loans, LLC	Conventional	2	0.2%	100%	$270,000
Choice Financial Group A+5.0 ★Texas Ratio: 2.70%	Conventional, Jumbo	2	0.2%	100%	$1,065,000	View
Right Start Mortgage, Inc	Conventional	2	0.2%	100%	$355,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	2	0.2%	100%	$755,000	View
Goodleap, LLC	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$65,000
America First Federal Credit Union A5.0 ★Texas Ratio: 8.33%	Conventional, HELOC	1 +3 HELOCs	0.1%	25%	$135,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$85,000	View
Boeing Employees' Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$595,000
Mountain America Federal Credit Union A5.0 ★Texas Ratio: 9.78%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$345,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$965,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$1,525,000	View
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$125,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA	1	0.1%	100%	$505,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$165,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$465,000
Nbkc Bank	VA	1	0.1%	50%	$445,000
Kind Lending, LLC	Conventional	1	0.1%	100%	$635,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$675,000	View
Washington Trust Bank A+5.0 ★Texas Ratio: 4.63%	Conventional	1	0.1%	100%	$315,000	View
Movement Mortgage, LLC	Conventional	1	0.1%	100%	$595,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	50%	$315,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$145,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	50%	$415,000
Deephaven Mortgage LLC	Conventional	1	0.1%	50%	$325,000
Pinnacle Bank A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.1%	100%	$415,000	View
First State Bank of St Charles	Conventional	1	0.1%	100%	$435,000
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$355,000
American Liberty Mortgage Inco	VA	1	0.1%	100%	$465,000
Scott Credit Union	Conventional	1	0.1%	100%	$445,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$205,000
City 1st Mortgage Services, LC	Conventional	1	0.1%	100%	$445,000
Ahl Funding	Conventional	1	0.1%	100%	$365,000
Network Capital Funding Corporation	VA	1	0.1%	100%	$535,000
American Financing Corporation	Conventional	1	0.1%	100%	$205,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$315,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$325,000
First Nations Home Finance Corporation	Conventional	1	0.1%	100%	$435,000
Delta Community Credit Union	Conventional	1	0.1%	100%	$445,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$285,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$575,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$405,000	View
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$35,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	50%	$285,000	View
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$615,000
BoxCar Mortgage, LLC	VA	1	0.1%	100%	$385,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$325,000
Gardner Financial Services	FHA	1	0.1%	100%	$325,000
Crystal Lake Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.94%	Conventional	1	0.1%	100%	$535,000	View
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo	1	0.1%	100%	$805,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$655,000	View
Towne Mortgage Company	Conventional	1	0.1%	100%	$185,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, Jumbo	1	0.1%	100%	$825,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$615,000	View
Keystone Funding, Inc	Conventional	1	0.1%	100%	$425,000
Associated Bank NA A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$355,000	View
Johnson Bank A+5.0 ★Texas Ratio: 1.47%	Conventional	1	0.1%	100%	$305,000	View
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$365,000
1st Security Bank of Washington A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0.1%	100%	$375,000	View
New American Funding, LLC.	Conventional	1	0.1%	100%	$155,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$735,000
Lower, LLC	Conventional	1	0.1%	100%	$385,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$335,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0.1%	100%	$525,000
Petefish, Skiles, & Company Bank A+5.0 ★Texas Ratio: 1.02%	Conventional	1	0.1%	100%	$725,000	View
Eagle Bank and Trust Company A+5.0 ★Texas Ratio: 1.39%	Conventional	1	0.1%	100%	$345,000	View
Deerwood Bank A+5.0 ★Texas Ratio: 4.01%	Conventional	1	0.1%	100%	$275,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	50%	$295,000	View
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$565,000
Nexera Holding LLC	Conventional	1	0.1%	100%	$255,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$195,000
Servbank, N.A. A+5.0 ★Texas Ratio: 3.26%	VA	1	0.1%	100%	$275,000	View
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$345,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$335,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$615,000
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
First Technology Federal Credit Union	HELOC	0 +6 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +4 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
Better Mortgage Corporation	HELOC	0 +2 HELOCs	0%	50%
Idaho Central Credit Union	HELOC	0 +2 HELOCs	0%	0%
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Notre Dame Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Stanford Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Oro Valley 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 Oro Valley, Arizona

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

Types of Mortgage Lenders in Oro Valley, AZ

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

Mortgage companies and brokers 91 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 57 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 31 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 18 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 38 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 29 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 Oro Valley, AZ

Independent mortgage companies closed 78 percent of home loans in Oro Valley, Arizona in 2025, banks 15.7 percent and credit unions 6.4 percent. NOVA Financial & Investment Corporation was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Pima Federal Credit Union the largest credit union. Among lenders headquartered in Arizona, Pima Federal Credit Union led with 13 loans.

78%

Mortgage companies

15.7%

Banks

6.4%

Credit unions

FHA loans

11%

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 Oro Valley, AZ

Who is the largest mortgage lender in Oro Valley, AZ?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Oro Valley, Arizona with 24 loans, about 2.4 percent of the market. The largest lender headquartered in Arizona was Pima Federal Credit Union with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Oro Valley, Arizona, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 98.6 percent, against a 89.2 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 Oro Valley, AZ mortgage lenders offer FHA, VA and USDA loans?

18 lenders closed FHA loans in Oro Valley, Arizona in 2025, led by United Wholesale Mortgage with 5. 38 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 Oro Valley, AZ lender list?

Yes. 57 banks and 31 credit unions closed home loans in Oro Valley, Arizona in 2025, alongside 91 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 Oro Valley, AZ ranked on this page?

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