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iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in Payson, Arizona

Payson, Arizona mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA201 S Beeline Hwy, Payson, AZ 85541A+5.0 ★Texas Ratio: 3.68%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.804 S Beeline Hwy, Payson, AZ 85541A+5.0 ★Texas Ratio: 3.72%, Washington FederalWashington Federal213 S Beeline Hwy, Payson, AZ 85541A+5.0 ★Texas Ratio: 4.48%, Wells Fargo Bank NAWells Fargo Bank NA115 E State Highway 260, Payson, AZ 85541A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.613 S Beeline Hwy, Payson, AZ 85541A+5.0 ★Texas Ratio: 4.24%, Copper State Credit UnionCopper State Credit Union254 E State Highway 260, Payson, AZ 85541 4927A+5.0 ★Texas Ratio: 3.49%, US Bank, N.A.US Bank, N.A.3185 W Apache Trl, Apache Junction, AZ 85120A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA39518 N Gavilan Peak Pkwy, Anthem, AZ 85086A+5.0 ★Texas Ratio: 4.14%, Bell BankBell Bank1850 E Northrop Blvd, Chandler, AZ 85286A+5.0 ★Texas Ratio: 3.66%, and Desert Financial Credit UnionDesert Financial Credit Union300 N Beeline Hwy, Payson, AZ 85541A+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 Payson, Arizona in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Payson 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 Payson, Arizona

Market share is the lender's share of all home loans closed in Payson, 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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
1 office in Payson
201 S Beeline Hwy, Payson, AZ 85541
A+5.0 ★Texas Ratio: 3.68%
Conventional, Jumbo, HELOC 15
+1 HELOCs
2.8% 88.9% $558,333 View
1 office in Payson
804 S Beeline Hwy, Payson, AZ 85541
A+5.0 ★Texas Ratio: 3.72%
Conventional, FHA, HELOC 3
+18 HELOCs
0.6% 71.4% $218,333 View
1 office in Payson
213 S Beeline Hwy, Payson, AZ 85541
A+5.0 ★Texas Ratio: 4.48%
Conventional, HELOC 1
+1 HELOCs
0.2% 100% $155,000 View
1 office in Payson
115 E State Highway 260, Payson, AZ 85541
A+5.0 ★Texas Ratio: 5.36%
VA 1 0.2% 25% $165,000 View
★ 1.7 stars, 3 reviews
1 office in Payson
613 S Beeline Hwy, Payson, AZ 85541
A+5.0 ★Texas Ratio: 4.24%
HELOC 0
+3 HELOCs
0% n/a View
254 E State Highway 260, Payson, AZ 85541 4927
A+5.0 ★Texas Ratio: 3.49%
Conventional, HELOC 17
+2 HELOCs
3.2% 72% $141,470 View
3185 W Apache Trl, Apache Junction, AZ 85120
A+5.0 ★Texas Ratio: 2.85%
Conventional, Jumbo 7 1.3% 100% $860,714 View
39518 N Gavilan Peak Pkwy, Anthem, AZ 85086
A+5.0 ★Texas Ratio: 4.14%
Conventional, Jumbo, HELOC 4
+2 HELOCs
0.8% 100% $570,000 View
1850 E Northrop Blvd, Chandler, AZ 85286
A+5.0 ★Texas Ratio: 3.66%
Conventional, Jumbo, HELOC 4
+1 HELOCs
0.8% 100% $770,000 View
300 N Beeline Hwy, Payson, AZ 85541
A+5.0 ★Texas Ratio: 2.04%
Conventional, HELOC 3
+37 HELOCs
0.6% 50% $415,000 View
1021 N State Route 89 Ste 106, CHINO VALLEY, AZ 86323 6558
A+5.0 ★Texas Ratio: 4.17%
Conventional, HELOC 3
+1 HELOCs
0.6% 100% $241,666 View
13085 W McDowell Rd, Avondale, AZ 85392 6435
A+5.0 ★Texas Ratio: 1.69%
Conventional, Jumbo 3 0.6% 75% $735,000 View
4979 S Alma School Rd, Chandler, AZ 85248
D3.3 ★Texas Ratio: 35.11%
Conventional 2 0.4% 100% $525,000 View
12900 W Thunderbird Rd, El Mirage, AZ 85335
A+5.0 ★Texas Ratio: 5.08%
Conventional, Jumbo 2 0.4% 100% $740,000 View
2425 E Camelback Rd, Phoenix, AZ 85016
A+5.0 ★Texas Ratio: 5.16%
Conventional 1 0.2% 100% $295,000 View
3611 W Anthem Way, Anthem, AZ 85086
A+5.0 ★Texas Ratio: 4.93%
Conventional 1 0.2% 100% $725,000 View
1835 E Pecos Rd, Gilbert, AZ 85295
A+5.0 ★Texas Ratio: 3.87%
Conventional 1 0.2% 100% $85,000 View
1412 E Florence Blvd, Casa Grande, AZ 85122
A5.0 ★Texas Ratio: 6.13%
Conventional 1 0.2% 100% $575,000 View
2480 S Gilbert Rd, Chandler, AZ 85286
A5.0 ★Texas Ratio: 7.72%
Conventional 1 0.2% 100% $375,000 View
1805 W Chandler Blvd, CHANDLER, AZ 85224
A5.0 ★Texas Ratio: 8.52%
Conventional 1 0.2% 100% $315,000 View
355 E Germann Rd, Gilbert, AZ 85297
A5.0 ★Texas Ratio: 10.77%
Conventional 1 0.2% 100% $405,000 View
1000 N 54th St, Chandler, AZ 85226
A+5.0 ★Texas Ratio: 1.78%
Conventional 1 0.2% 100% $655,000 View
503 W Van Buren St, Avondale, AZ 85323 1328
A+5.0 ★Texas Ratio: 2.78%
Conventional 1 0.2% 100% $15,000 View
1160 S Watson Rd, Buckeye, AZ 85326
A+5.0 ★Texas Ratio: 3.54%
HELOC 0
+1 HELOCs
0% n/a View
NOVA Financial & Investment Corporation
Conventional, FHA, HELOC 6
+1 HELOCs
1.1% 75% $250,000
The Loan Store, Inc
Conventional, HELOC 6
+1 HELOCs
1.1% 100% $426,666
Altitude Financial Corporation
Conventional, FHA, Jumbo 6 1.1% 100% $686,666
V.I.P. Mortgage, Inc.
Conventional 3 0.6% 100% $285,000
Sun American Mortgage Company
Conventional, VA 2 0.4% 100% $410,000
Homeowners Financial Group, LLC
Conventional 2 0.4% 100% $400,000
Starboard Financial Management, LLC
Conventional 2 0.4% 100% $590,000
Peoples Mortgage Company
Conventional, Jumbo 2 0.4% 100% $610,000
Geneva Financial LLC
Conventional, VA 2 0.4% 100% $540,000
Champions Funding, LLC
Conventional 2 0.4% 50% $240,000
United Wholesale Mortgage
Conventional, FHA, VA, HELOC 63
+2 HELOCs
12% 90.1% $364,523
Rocket Mortgage
Conventional, FHA, VA, Jumbo 57 10.8% 82.9% $360,087
American Pacific Mortgage Corporation
Conventional, FHA, VA, USDA 42 8% 100% $305,000
Guaranteed Rate Affinity, LLC
Conventional, FHA, VA, Jumbo, HELOC 20
+2 HELOCs
3.8% 87% $400,000
Guild Mortgage Company
Conventional, FHA, VA 13 2.5% 92.9% $291,153
Freedom Mortgage Corporation
FHA, VA 11 2.1% 92.3% $365,000
Pennymac Loan Services LLC
Conventional, FHA, VA, Jumbo 11 2.1% 68.8% $433,181
Mortgage Research Center
Conventional, FHA, VA 9 1.7% 66.7% $252,777
Newrez LLC
Conventional, FHA, VA, Jumbo 8 1.5% 57.1% $372,500
CrossCountry Mortgage, LLC
Conventional 7 1.3% 100% $397,857
Amerisave Mortgage Company
Conventional 7 1.3% 70% $97,857
Credit Human Federal Credit Un
Conventional 7 1.3% 50% $66,428
21St Mortgage
Conventional 7 1.3% 70% $125,000
Guaranteed Rate, Inc.
Conventional, VA, Jumbo 6 1.1% 100% $610,000
Movement Mortgage, LLC
Conventional, FHA, VA 6 1.1% 100% $236,666
Nationstar Mortgage
Conventional 6 1.1% 100% $93,333
New American Funding, LLC.
Conventional, FHA, VA 6 1.1% 75% $276,666
Click n' Close, Inc.
Conventional, FHA 5 0.9% 100% $227,000
Fairway Independent Mort Corp
Conventional, FHA 5 0.9% 71.4% $347,000
A5.0 ★Texas Ratio: 9.09%
Conventional, VA 5 0.9% 83.3% $275,000 View
Plaza Home Mortgage, Inc
Conventional, FHA 5 0.9% 100% $239,000
Cmg Mortgage Inc
Conventional, FHA, VA, HELOC 4
+2 HELOCs
0.8% 80% $232,500
loanDepot.com LLC
Conventional, HELOC 4
+1 HELOCs
0.8% 66.7% $60,000
Kind Lending, LLC
Conventional, FHA 3 0.6% 75% $285,000
Triad Financial Services, Inc.
Conventional 3 0.6% 90% $101,666
Resicentral LLC
Conventional, FHA, VA 3 0.6% 100% $311,666
A5.0 ★Texas Ratio: 9.78%
Conventional 3 0.6% 60% $231,666
B-3.5 ★Texas Ratio: 6.80%
Conventional, VA 3 0.6% 75% $351,666 View
Waterstone Mortgage Corporation
Conventional 3 0.6% 100% $311,666
B+4.8 ★Texas Ratio: 16.98%
FHA, VA 3 0.6% 75% $351,666 View
A5.0 ★Texas Ratio: 8.14%
Conventional, VA, HELOC 2
+3 HELOCs
0.4% 100% $410,000
A5.0 ★Texas Ratio: 8.33%
Conventional, HELOC 2
+2 HELOCs
0.4% 100% $90,000
A+5.0 ★Texas Ratio: 4.11%
Conventional 2 0.4% 100% $420,000 View
Cornerstone First Mortgage, LLC
Conventional 2 0.4% 100% $325,000
Primelending
Conventional 2 0.4% 100% $465,000
A5.0 ★Texas Ratio: 11.06%
Conventional, VA 2 0.4% 100% $355,000 View
A+5.0 ★Texas Ratio: 0.14%
Conventional 2 0.4% 100% $410,000 View
Gold Star Mortgage Financial Group, Corporation
Conventional, FHA 2 0.4% 100% $245,000
Nbkc Bank
Conventional 2 0.4% 66.7% $520,000
AdvantageFirst Lending Inc
FHA, VA 2 0.4% 66.7% $435,000
A5.0 ★Texas Ratio: 8.76%
Conventional 2 0.4% 100% $500,000 View
Provident Funding Associates
Conventional 2 0.4% 75% $330,000
Direct Mortgage Loans, LLC
Conventional, Jumbo 2 0.4% 60% $755,000
A+5.0 ★Texas Ratio: 3.68%
Conventional 2 0.4% 100% $275,000 View
Citadel Servicing Corporation
Conventional 2 0.4% 100% $325,000
Zillow Home Loans, LLC
Conventional 2 0.4% 100% $320,000
Prosperity Home Mortgage, LLC
Conventional, FHA 2 0.4% 100% $325,000
A-5.0 ★Texas Ratio: 14.97%
VA 2 0.4% 100% $405,000 View
Nexera Holding LLC
Conventional, Jumbo 2 0.4% 100% $870,000
Spring Eq, LLC
Conventional 2 0.4% 40% $105,000
JMAC Lending, Inc.
Conventional, FHA, Jumbo 2 0.4% 100% $920,000
American Financial Resources LLC
FHA 1 0.2% 100% $535,000
A+5.0 ★Texas Ratio: 4.98%
Conventional 1 0.2% 100% $275,000 View
A-4.9 ★Texas Ratio: 16.48%
Conventional 1 0.2% 100% $275,000 View
Everett Financial, Inc.
Conventional 1 0.2% 100% $285,000
Lakeview Loan Servicing, LLC
VA 1 0.2% 16.7% $345,000
Sage Home Loans Corporation
Conventional 1 0.2% 100% $365,000
Global Federal Credit Union
Conventional 1 0.2% 100% $235,000
Acrisure Mortgage, LLC
FHA 1 0.2% 100% $495,000
Equity Prime Mortgage LLC
VA 1 0.2% 100% $195,000
Loanunited.Com, LLC
FHA 1 0.2% 100% $255,000
A5.0 ★Texas Ratio: 13.85%
FHA 1 0.2% 100% $425,000 View
Synergy One Lending, Inc.
Conventional 1 0.2% 100% $445,000
American Financial Network, Inc.
Conventional 1 0.2% 100% $245,000
First State Bank of St Charles
Conventional 1 0.2% 100% $315,000
A+5.0 ★Texas Ratio: 2.68%
VA 1 0.2% 100% $265,000 View
American Financing Corporation
FHA 1 0.2% 33.3% $355,000
ClearPath Lending
VA 1 0.2% 100% $435,000
First Colony Mortgage Corporat
Conventional 1 0.2% 100% $295,000
Bank of Colorado
Conventional 1 0.2% 100% $295,000
Nfm, Inc
Conventional 1 0.2% 100% $435,000
New Day Financial, LLC.
VA 1 0.2% 25% $285,000
Beeline Loans, Inc.
Conventional 1 0.2% 100% $455,000
Churchill Mortgage Corporation
Conventional 1 0.2% 100% $265,000
A+5.0 ★Texas Ratio: 0.22%
Conventional 1 0.2% 100% $55,000 View
Nations Lending Corporation
Conventional 1 0.2% 100% $255,000
Franklin Loan Corporation
FHA 1 0.2% 100% $305,000
T2 Financial LLC
Conventional 1 0.2% 100% $245,000
Vellum Mortgage, Inc.
VA, Jumbo 1 0.2% 100% $1,745,000
Lendsure Mortgage Corp.
Conventional 1 0.2% 100% $365,000
Sierra Pacific Mortgage Co. Inc
Conventional 1 0.2% 100% $565,000
Towne Mortgage Company
Conventional 1 0.2% 100% $265,000
Tjc Mortgage Inc
FHA 1 0.2% 100% $335,000
A-5.0 ★Texas Ratio: 14.93%
Conventional, Jumbo 1 0.2% 100% $1,095,000 View
Genway Home Mortgage, Inc.
FHA 1 0.2% 50% $245,000
A+5.0 ★Texas Ratio: 3.19%
Conventional, Jumbo 1 0.2% 100% $1,305,000 View
Nations Direct Mortgage, LLC
FHA 1 0.2% 100% $435,000
Mutual of Omaha Mortgage
FHA 1 0.2% 33.3% $215,000
Florida Capital Bank, N.A
Conventional 1 0.2% 100% $185,000
A4.8 ★Texas Ratio: 2.45%
Conventional, Jumbo 1 0.2% 100% $1,035,000 View
A+5.0 ★Texas Ratio: 0.51%
Conventional 1 0.2% 100% $105,000 View
Carrington Mortgage Services LLC
VA 1 0.2% 50% $425,000
Ark-La-Tex Financial Services LLC
Conventional 1 0.2% 100% $295,000
Griffin Funding Inc.
Conventional 1 0.2% 100% $295,000
Alliant Credit Union
HELOC 0
+2 HELOCs
0% n/a
Figure Lending LLC
HELOC 0
+2 HELOCs
0% n/a
HomeBridge Financial Services, Inc
HELOC 0
+2 HELOCs
0% 0%
Quorum Federal Credit Union
HELOC 0
+2 HELOCs
0% n/a
B4.5 ★Texas Ratio: 20.96%
HELOC 0
+2 HELOCs
0% n/a View
Lendage, LLC dba Achieve Loans
HELOC 0
+2 HELOCs
0% n/a
Service Federal Credit Union
HELOC 0
+1 HELOCs
0% n/a
FirstBank
HELOC 0
+1 HELOCs
0% 0%
Firefighters First 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.

Mortgage Lenders and Mortgage Brokers Near Me in Payson, Arizona

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

Types of Mortgage Lenders in Payson, AZ

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

Who Lends in Payson, AZ

Independent mortgage companies closed 76.7 percent of home loans in Payson, Arizona in 2025, banks 15.2 percent and credit unions 8.2 percent. NOVA Financial & Investment Corporation was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Copper State Credit Union the largest credit union. Among lenders headquartered in Arizona, Copper State Credit Union led with 17 loans.

76.7%
Mortgage companies
15.2%
Banks
8.2%
Credit unions
14%
FHA loans
14%
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

Frequently Asked Questions About Mortgage Lenders in Payson, AZ

Who is the largest mortgage lender in Payson, AZ?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Payson, Arizona with 15 loans, about 2.8 percent of the market. The largest lender headquartered in Arizona was Copper State Credit Union with 17 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Payson, Arizona, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 90.1 percent, against a 82.8 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 Payson, AZ mortgage lenders offer FHA, VA and USDA loans?

35 lenders closed FHA loans in Payson, Arizona in 2025, led by United Wholesale Mortgage with 12. 31 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural 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.

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

Yes. 38 banks and 15 credit unions closed home loans in Payson, Arizona in 2025, alongside 84 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 Payson, AZ ranked on this page?

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