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Mortgage Lenders and Brokers in Prescott, Arizona

Content reviewed by

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

Prescott, Arizona mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA746 Miller Valley Rd, Prescott, AZ 86301A+5.0 ★Texas Ratio: 3.68%, Glacier BankGlacier Bank301 W Gurley St, Prescott, AZ 86301A+5.0 ★Texas Ratio: 1.87%, US Bank, N.A.US Bank, N.A.3030 E Hwy 69, Prescott, AZ 86301A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA1831 E State Route 69, Prescott, AZ 86301A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1030 Willow Creek Rd, Prescott, AZ 86301A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA303 N Montezuma St, Prescott, AZ 86301A+5.0 ★Texas Ratio: 3.54%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.1500 Willow Creek Rd, Prescott, AZ 86301A+5.0 ★Texas Ratio: 3.72%, Flagstar Bank NAFlagstar Bank NA3027 Dollar Mark, Prescott, AZ 86305D3.3 ★Texas Ratio: 35.11%, PNC Bank N.A.PNC Bank N.A.923 E Gurley St, Prescott, AZ 86301A+5.0 ★Texas Ratio: 4.24%, and Oneaz Credit UnionOneaz Credit Union1335 Gail Gardner Way, PRESCOTT, AZ 86305A+5.0 ★Texas Ratio: 4.17%. 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 Prescott, Arizona in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Prescott 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 Prescott, Arizona

Market share is the lender's share of all home loans closed in Prescott, 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 2 offices in Prescott 746 Miller Valley Rd, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	26 +2 HELOCs	2.2%	100%	$417,692	View
Glacier Bank 2 offices in Prescott 301 W Gurley St, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 1.87%	Conventional, Jumbo, HELOC	16 +3 HELOCs	1.3%	94.4%	$475,625	View
US Bank, N.A. 1 office in Prescott 3030 E Hwy 69, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	10 +12 HELOCs	0.8%	80%	$672,000	View
Wells Fargo Bank NA 2 offices in Prescott 1831 E State Route 69, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	8	0.7%	80%	$468,750	View
Bank of America NA 1 office in Prescott 1030 Willow Creek Rd, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +22 HELOCs	0.4%	83.3%	$443,000	View
BMO Harris Bank NA 1 office in Prescott 303 N Montezuma St, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 3.54%	Conventional, FHA, Jumbo, HELOC	3 +6 HELOCs	0.3%	60%	$641,666	View
Zions Bancorporation, N.A. 2 offices in Prescott 1500 Willow Creek Rd, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	2 +18 HELOCs	0.2%	100%	$175,000	View
Flagstar Bank NA 1 office in Prescott 3027 Dollar Mark, Prescott, AZ 86305 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$375,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Prescott 923 E Gurley St, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +10 HELOCs	0.1%	100%	$265,000	View
Oneaz Credit Union 1335 Gail Gardner Way, PRESCOTT, AZ 86305 A+5.0 ★Texas Ratio: 4.17%	Conventional, HELOC	31 +70 HELOCs	2.6%	64.7%	$309,838	View
Credit Union West 528 W Gurley St, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 2.78%	Conventional, HELOC	15 +10 HELOCs	1.3%	100%	$142,333	View
Desert Financial Credit Union 3179 Lakeview Plaza Lane, Prescott, AZ 86301 A+5.0 ★Texas Ratio: 2.04%	Conventional, HELOC	6 +44 HELOCs	0.5%	54.5%	$326,666	View
Arizona Financial Credit Union 13085 W McDowell Rd, Avondale, AZ 85392 6435 A+5.0 ★Texas Ratio: 1.69%	Conventional, Jumbo, HELOC	2 +4 HELOCs	0.2%	66.7%	$740,000	View
Bell Bank 1850 E Northrop Blvd, Chandler, AZ 85286 A+5.0 ★Texas Ratio: 3.66%	Conventional, VA, Jumbo, HELOC	2 +2 HELOCs	0.2%	100%	$895,000	View
Arizona Central Credit Union 1805 W Chandler Blvd, CHANDLER, AZ 85224 A5.0 ★Texas Ratio: 8.52%	Conventional	2	0.2%	100%	$430,000	View
Umb Bank NA 1000 N 54th St, Chandler, AZ 85226 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$655,000	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%	$625,000	View
AERO Federal Credit Union 18301 N 79th Ave, Glendale, AZ 85308 A+5.0 ★Texas Ratio: 0.72%	Conventional	1	0.1%	100%	$25,000	View
Bokf NA 901 Dobson, Mesa, AZ 85201 A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0.1%	100%	$225,000	View
Armed Forces Bank, N.A. 52035 Arizona Street, Fort Huachuca, AZ 85670 A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	50%	$475,000	View
Copper State Credit Union 3428 W Anthem Way, Anthem, AZ 85086 A+5.0 ★Texas Ratio: 3.49%	Conventional	1	0.1%	50%	$95,000	View
Fifth Third Bank, National Association 10115 W Mcdowell Rd, Avondale, AZ 85392 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	1	0.1%	50%	$1,065,000	View
KS StateBank 5110 N Central Ave, Phoenix, AZ 85012 B+4.8 ★Texas Ratio: 16.89%	HELOC	0 +1 HELOCs	0%	n/a		View
Landings Credit Union 4850 W Chandler Blvd, Chandler, AZ 85226 A+5.0 ★Texas Ratio: 3.83%	HELOC	0 +1 HELOCs	0%	n/a		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
V.I.P. Mortgage, Inc.	Conventional, FHA, VA, Jumbo	38	3.2%	100%	$423,947
Homeowners Financial Group, LLC	Conventional, FHA, VA	31	2.6%	96.9%	$407,903
The Loan Store, Inc	Conventional, FHA, HELOC	28 +1 HELOCs	2.4%	88.6%	$422,142
Peoples Mortgage Company	Conventional, VA	8	0.7%	88.9%	$357,500
Geneva Financial LLC	Conventional	7	0.6%	100%	$349,285
Adams Bank & Trust A5.0 ★Texas Ratio: 10.02%	Conventional	6	0.5%	100%	$618,333	View
Starboard Financial Management, LLC	Conventional	5	0.4%	100%	$395,000
NOVA Financial & Investment Corporation	Conventional, HELOC	4 +1 HELOCs	0.3%	100%	$467,500
Altitude Financial Corporation	Conventional	4	0.3%	100%	$507,500
Sun American Mortgage Company	Conventional, VA	2	0.2%	100%	$515,000
Valon Mortgage	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$275,000
Oaktree Funding Corp	Conventional	1	0.1%	100%	$675,000
Peak Residential Lending Inc	Conventional	1	0.1%	100%	$265,000
Saygo Home Loans, LLC	VA	1	0.1%	100%	$565,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	120	10.1%	89.8%	$341,666
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	110 +7 HELOCs	9.3%	85.6%	$409,454
Gardner Financial Services	Conventional, FHA, VA, Jumbo	68	5.7%	98.6%	$381,176
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	45	3.8%	96.2%	$372,555
Heritage Mortgage, LLC C-3.6 ★Texas Ratio: 31.27%	Conventional, FHA, VA	36	3%	100%	$355,555	View
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo, HELOC	26 +1 HELOCs	2.2%	96.4%	$368,461
Paramount Residential Mortgage	Conventional, FHA, VA	23	1.9%	100%	$400,652
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	22	1.9%	71%	$375,000
Acrisure Mortgage, LLC	Conventional, FHA, VA	17	1.4%	100%	$394,411
Newrez LLC	Conventional, FHA, VA, Jumbo	16	1.3%	66.7%	$440,625
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	15 +3 HELOCs	1.3%	100%	$373,666
Nations Lending Corporation	Conventional	15	1.3%	95.2%	$343,666
Mortgage Research Center	Conventional, VA, Jumbo	15	1.3%	94.4%	$521,000
Cmg Mortgage Inc	Conventional, FHA, VA, Jumbo, HELOC	14 +7 HELOCs	1.2%	93.8%	$519,285
Clm Mortgage, Inc	Conventional, VA, Jumbo	14	1.2%	95%	$540,714
Intercap Lending Inc	Conventional, VA, Jumbo	14	1.2%	100%	$647,142
loanDepot.com LLC	Conventional, FHA, Jumbo, HELOC	13 +1 HELOCs	1.1%	76.5%	$286,538
Nationstar Mortgage	Conventional, VA	13	1.1%	92.9%	$285,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA, Jumbo	10	0.8%	83.3%	$530,000	View
Waterstone Mortgage Corporation	Conventional	10	0.8%	100%	$431,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	9 +6 HELOCs	0.8%	71.4%	$489,444
Union Home Mortgage Corp.	Conventional, FHA, HELOC	9 +1 HELOCs	0.8%	90%	$409,444
Provident Funding Associates	Conventional	8	0.7%	100%	$402,500
Bank of Colorado	Conventional, Jumbo, HELOC	7 +3 HELOCs	0.6%	87.5%	$813,571
New American Funding, LLC.	Conventional, VA, HELOC	7 +3 HELOCs	0.6%	87.5%	$413,571
Freedom Mortgage Corporation	Conventional, FHA, VA	7	0.6%	90.9%	$500,714
Envoy Mortgage, Ltd	Conventional, FHA	7	0.6%	87.5%	$395,000
Amerisave Mortgage Company	Conventional	7	0.6%	33.3%	$170,714
American Pacific Mortgage Corporation	Conventional, VA	7	0.6%	100%	$417,857
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	7	0.6%	100%	$757,857	View
Spring Eq, LLC	Conventional, HELOC	6 +6 HELOCs	0.5%	31.6%	$180,000
Primelending	Conventional, VA, Jumbo	6	0.5%	66.7%	$611,666
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	6	0.5%	100%	$511,666	View
Sierra Pacific Mortgage Co. Inc	Conventional	6	0.5%	100%	$346,666
Synergy One Lending, Inc.	Conventional, FHA, Jumbo	5	0.4%	100%	$465,000
American Financing Corporation	Conventional, FHA	5	0.4%	77.8%	$303,000
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA	5	0.4%	100%	$433,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	5	0.4%	100%	$377,000	View
Prosperity Home Mortgage, LLC	Conventional, FHA	5	0.4%	83.3%	$351,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.4%	83.3%	$205,000	View
Plaza Home Mortgage, Inc	Conventional, FHA	5	0.4%	100%	$253,000
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	4 +1 HELOCs	0.3%	100%	$490,000
Lakeview Loan Servicing, LLC	Conventional, FHA	4	0.3%	54.5%	$202,500
Equity Prime Mortgage LLC	Conventional, FHA, VA	4	0.3%	80%	$480,000
American Financial Network, Inc.	Conventional, VA	4	0.3%	100%	$430,000
Efinity Financial LLC	Conventional, FHA	4	0.3%	100%	$330,000
Mutual of Omaha Mortgage	Conventional, VA	4	0.3%	100%	$427,500
Ark-La-Tex Financial Services LLC	Conventional	4	0.3%	80%	$522,500
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	4	0.3%	100%	$537,500	View
Village Capital & Investment	VA	4	0.3%	100%	$470,000
Movement Mortgage, LLC	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$355,000
American Financial Resources LLC	Conventional, FHA	3	0.3%	100%	$398,333
Sage Home Loans Corporation	Conventional	3	0.3%	100%	$431,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	3	0.3%	100%	$428,333	View
Discover Bank	Conventional	3	0.3%	23.1%	$81,666
Mountain America Federal Credit Union A5.0 ★Texas Ratio: 9.78%	Conventional, HELOC	2 +6 HELOCs	0.2%	50%	$350,000
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	2 +5 HELOCs	0.2%	100%	$600,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$465,000	View
Arc Home LLC	Conventional, Jumbo	2	0.2%	100%	$1,015,000
Cornerstone First Mortgage, LLC	Conventional	2	0.2%	100%	$410,000
Global Federal Credit Union	Conventional	2	0.2%	100%	$185,000
Kind Lending, LLC	Conventional	2	0.2%	50%	$310,000
Triad Financial Services, Inc.	Conventional	2	0.2%	75%	$75,000
Sun West Mortgage Company, Inc A+5.0 ★Texas Ratio: 2.68%	VA	2	0.2%	100%	$450,000	View
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$350,000
Securitynational Mortgage Company	Conventional, FHA	2	0.2%	33.3%	$440,000
Logix Federal Credit Union	Conventional	2	0.2%	100%	$320,000
Firefighters First Federal Credit Union	Conventional	2	0.2%	100%	$275,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, Jumbo	2	0.2%	100%	$655,000	View
Better Mortgage Corporation	Conventional	2	0.2%	50%	$335,000
Zillow Home Loans, LLC	Conventional, FHA	2	0.2%	100%	$295,000
ClearEdge Lending LLC	Conventional	2	0.2%	100%	$580,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.2%	40%	$700,000	View
21St Mortgage	Conventional	2	0.2%	16.7%	$50,000
America First Federal Credit Union A5.0 ★Texas Ratio: 8.33%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$125,000
Goodleap, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$365,000
Quorum Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$55,000
Evo Home Loans, LLC dba Epiq Lending	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$465,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$85,000	View
Nuvision Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$205,000
Pacific Residential Mortgage, LLC	FHA	1	0.1%	100%	$315,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$445,000	View
Verus A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$635,000	View
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$315,000	View
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0.1%	100%	$605,000	View
Royal United Mortgage LLC	FHA	1	0.1%	100%	$175,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$165,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$445,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$405,000
Residential Mortgage, LLC A-4.9 ★Texas Ratio: 16.48%	FHA	1	0.1%	100%	$365,000	View
MortgageOne, Inc	Conventional	1	0.1%	100%	$385,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$355,000
Nbkc Bank	Conventional	1	0.1%	50%	$245,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$245,000
Loanunited.Com, LLC	VA	1	0.1%	33.3%	$245,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	1	0.1%	100%	$1,315,000	View
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0.1%	100%	$325,000	View
Augusta Financial, Inc.	Conventional	1	0.1%	100%	$565,000
Resicentral LLC	Conventional	1	0.1%	100%	$195,000
Mid America Bank	Conventional	1	0.1%	100%	$55,000
Wallick and Volk, Inc.	Conventional	1	0.1%	100%	$495,000
AdvantageFirst Lending Inc	VA	1	0.1%	50%	$615,000
Vision One Mortgage, Inc.	VA	1	0.1%	100%	$585,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0.1%	100%	$485,000	View
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$385,000
First State Bank of St Charles	Conventional	1	0.1%	100%	$535,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$305,000	View
Los Angeles Police FCU	Conventional	1	0.1%	100%	$65,000
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$805,000	View
JMJ Financial Group Inc.	Conventional	1	0.1%	100%	$575,000
Bank Forward A5.0 ★Texas Ratio: 6.75%	Conventional	1	0.1%	100%	$255,000	View
ClearPath Lending	VA	1	0.1%	100%	$195,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$245,000
Chevron Federal Credit Union	Conventional	1	0.1%	100%	$135,000
Ameritrust Mortgage Corporation	Conventional	1	0.1%	100%	$405,000
Nfm, Inc	Conventional	1	0.1%	100%	$545,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$145,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$355,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$225,000
New Day Financial, LLC.	VA	1	0.1%	33.3%	$755,000
Premier Lending Inc.	FHA	1	0.1%	100%	$375,000
Evergreen Moneysource Mortgage Company	FHA	1	0.1%	100%	$435,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$385,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$125,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$275,000	View
Vellum Mortgage, Inc.	Conventional, Jumbo	1	0.1%	100%	$945,000
Ithink Financial Credit Union	Conventional	1	0.1%	100%	$595,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$725,000	View
Hanscom Federal Credit Union	Conventional	1	0.1%	100%	$385,000
Premier Members Credit Union	Conventional	1	0.1%	100%	$205,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$75,000
Wings Financial Credit Union	Conventional	1	0.1%	100%	$695,000
BankChampaign, N.A. A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$355,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$485,000	View
Mortgage Solutions of Colorado	Conventional	1	0.1%	100%	$635,000
Notre Dame Federal Credit Union	Conventional	1	0.1%	100%	$505,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$675,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.1%	100%	$575,000	View
Right Start Mortgage, Inc	Conventional	1	0.1%	100%	$335,000
Compass Mortgage, Inc.	Conventional	1	0.1%	100%	$805,000
Hunt Mortgage Corporation	Conventional	1	0.1%	100%	$435,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$555,000	View
Nexera Holding LLC	Conventional	1	0.1%	100%	$585,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$555,000	View
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$645,000
Top Flite Financial, Inc.	Conventional	1	0.1%	100%	$145,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$275,000
Luxury Mortgage Corp.	Conventional	1	0.1%	100%	$745,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	1	0.1%	100%	$435,000	View
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +6 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +4 HELOCs	0%	100%
Gte Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Kinecta Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Interstate Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 4.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Baxter Credit Union A+5.0 ★Texas Ratio: 0.55%	HELOC	0 +1 HELOCs	0%	n/a		View
City National Bank A+5.0 ★Texas Ratio: 5.55%	HELOC	0 +1 HELOCs	0%	n/a		View
Angel Oak Mortgage Solutions LLC	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.

Prescott 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 Prescott, Arizona

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

Types of Mortgage Lenders in Prescott, AZ

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

Mortgage companies and brokers 117 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 51 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 33 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 39 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 42 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 33 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AZ 23 lenders headquartered in Arizona, the closest thing to a mortgage lender near you

Who Lends in Prescott, AZ

Independent mortgage companies closed 78.5 percent of home loans in Prescott, Arizona in 2025, banks 14.2 percent and credit unions 7.3 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 31 loans.

78.5%

Mortgage companies

14.2%

Banks

7.3%

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 Prescott, AZ

Who is the largest mortgage lender in Prescott, AZ?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Prescott, Arizona with 26 loans, about 2.2 percent of the market. The largest lender headquartered in Arizona was Oneaz Credit Union with 31 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Prescott, Arizona, Gardner Financial Services approved the highest share of completed applications in 2025 at 98.6 percent, against a 86.2 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 Prescott, AZ mortgage lenders offer FHA, VA and USDA loans?

39 lenders closed FHA loans in Prescott, Arizona in 2025, led by Rocket Mortgage with 7. 42 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 Prescott, AZ lender list?

Yes. 51 banks and 33 credit unions closed home loans in Prescott, Arizona in 2025, alongside 117 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 Prescott, AZ ranked on this page?

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