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.
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.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
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 |
Daily average mortgage rates for Arizona compared with the national average, updated every evening.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.