Mortgage Rates Arizona (AZ) for March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Arizona. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Arizona as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: America First Federal Credit UnionAmerica First Federal Credit Union1511 N Project Dr, Goodyear, AZ, 85142A5.0 ★Texas Ratio: 8.12% at 6.00%, Desert Financial Credit UnionDesert Financial Credit Union1060 S Watson Rd, Apache Junction, AZ, 85004A+5.0 ★Texas Ratio: 1.59% at 6.00%, Credit Union of Southern California Credit UnionCredit Union of Southern California Credit Union1871 Kiowa Ave, Lake Havasu City, AZ, 86403A+5.0 ★Texas Ratio: 2.57% at 6.25%, Mayo Employees Federal Credit UnionMayo Employees Federal Credit Union5777 E Mayo Blvd, Phoenix, AZ, 85054A+5.0 ★Texas Ratio: 0.10% at 6.12%, and Notre Dame Federal Credit UnionNotre Dame Federal Credit Union3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389A+5.0 ★Texas Ratio: 4.69% at 6.00%.
Mortgage rates in Arizona (AZ) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Arizona borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Arizona Mortgage Rate Trends
Compare local Arizona mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — AZ Avg
6.249%
▲ 0.164 from last week
For buyers in Arizona, the broader Arizona 30-year fixed average mortgage rate rose 0.164 points this week to 6.249%, according to MonitorBankRates trend data.
15-Year Fixed — AZ Avg
5.797%
▼ 1.974 from last week
For buyers in Arizona, the broader Arizona 15-year fixed average mortgage rate fell 1.974 points this week to 5.797%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Arizona
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1511 N Project Dr, Goodyear, AZ, 85142
30 Year Fixed
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Refi 30 Year Fixed Rate
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.875
UpdatedMar 13, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Purchase 30 Year Fixed Rate
6.00%
6.17%
▼
Rate6.00%
APR6.17%
Points0.875
UpdatedMar 13, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
30-Year Fixed
6.25%
6.27%
▼
Rate6.25%
APR6.27%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ, 85054
30 Year Fixed
30 Year
6.12%
6.28%
▼
Rate6.12%
APR6.28%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
30-Year Fixed Rate 30 Day Lock - 1% Point
30
6.00%
6.28%
▼
Rate6.00%
APR6.28%
Points1.000
UpdatedMar 17, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
30-Year Fixed
6.25%
6.30%
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 E 16th St, Anthem, AZ, 85004
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1511 N Project Dr, Goodyear, AZ, 85142
30 Year Fixed
30 Year
6.75%
6.84%
▼
Rate6.75%
APR6.84%
Points-0.375
UpdatedMar 17, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
30-Year Fixed High Balance
6.88%
6.91%
▼
Rate6.88%
APR6.91%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1511 N Project Dr, Goodyear, AZ, 85142
15 Year Fixed
5.25%
5.50%
▼
Rate5.25%
APR5.50%
Points0.625
UpdatedMar 17, 2026
Details
As Low As
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Refi 15 Year Fixed Rate
5.38%
5.66%
▼
Rate5.38%
APR5.66%
Points1.000
UpdatedMar 13, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Purchase 15 Year Fixed Rate
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points1.000
UpdatedMar 13, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 E 16th St, Anthem, AZ, 85004
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ, 85054
15 Year Fixed
15 Year
5.50%
5.75%
▼
Rate5.50%
APR5.75%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
15-Year Fixed
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
15-Year Fixed
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1511 N Project Dr, Goodyear, AZ, 85142
15 Year Fixed
15 Year
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points-0.250
UpdatedMar 17, 2026
Details
As Low As
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
15-Year Fixed Rate 30 Day Lock - 1% Point
15
5.50%
5.96%
▼
Rate5.50%
APR5.96%
Points1.000
UpdatedMar 17, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
15-Year Fixed High Balance
6.38%
6.43%
▼
Rate6.38%
APR6.43%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1045 S Central St, Apache Junction, AZ, 85028
Second mortgage 15-year fixed rate
7.50%
7.79%
▼
Rate7.50%
APR7.79%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Jumbo Adjustable Rate Mortgage (ARM) Rate 5/1 ARM
5.25%
5.27%
▼
Rate5.25%
APR5.27%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
5/1 ARM
5.25%
5.29%
▼
Rate5.25%
APR5.29%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
7/6 ARM Jumbo
5.25%
5.35%
▼
Rate5.25%
APR5.35%
Points1.000
UpdatedMar 17, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Jumbo Adjustable Rate Mortgage (ARM) Rate 5/5 ARM
5.38%
5.40%
▼
Rate5.38%
APR5.40%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
5/5 ARM
5.38%
5.42%
▼
Rate5.38%
APR5.42%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Jumbo Adjustable Rate Mortgage (ARM) Rate 7/1 ARM
5.62%
5.65%
▼
Rate5.62%
APR5.65%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
7/1 ARM
5.62%
5.67%
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
10150 W Desert River Blvd, Avondale, AZ, 85008 2442
5/1 ARM
5/1 ARM
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Refi Jumbo 7/6 ARM
5.12%
5.99%
▼
Rate5.12%
APR5.99%
Points0.875
UpdatedMar 13, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Purchase Jumbo 7/6 ARM
5.12%
5.99%
▼
Rate5.12%
APR5.99%
Points0.875
UpdatedMar 13, 2026
Details
No additional details available.
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
10150 W Desert River Blvd, Avondale, AZ, 85008 2442
7/1 ARM
7/1 ARM
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Refi 7/6 ARM
5.12%
6.02%
▼
Rate5.12%
APR6.02%
Points0.875
UpdatedMar 13, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
5/5 ARM Conforming
5.12%
6.03%
▼
Rate5.12%
APR6.03%
Points1.000
UpdatedMar 17, 2026
Details
As Low As
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Purchase 7/6 ARM
5.12%
6.03%
▼
Rate5.12%
APR6.03%
Points0.875
UpdatedMar 13, 2026
Details
No additional details available.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ, 85054
7/6 ARM
5.62%
6.09%
▼
Rate5.62%
APR6.09%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ, 85054
5/6 ARM
5.50%
6.13%
▼
Rate5.50%
APR6.13%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ, 85286
5/1 ARM
5.62%
6.14%
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
15/5 ARM
5.88%
6.14%
▼
Rate5.88%
APR6.14%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ, 85286
Jumbo 5/1 ARM
5.75%
6.15%
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ, 85286
3/1 ARM
5.50%
6.17%
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1045 S Central St, Apache Junction, AZ, 85028
7/6 Adjustable-rate mortgage
5.50%
6.18%
▼
Rate5.50%
APR6.18%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ, 85286
Jumbo 3/1 ARM
5.63%
6.21%
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
Jumbo Adjustable Rate Loans 15/5 ARM
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1045 S Central St, Apache Junction, AZ, 85028
10/6 Adjustable-rate mortgage
5.88%
6.26%
▼
Rate5.88%
APR6.26%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 E 16th St, Anthem, AZ, 85004
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ, 85286
7/1 ARM
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ, 85286
Jumbo 7/1 ARM
6.13%
6.27%
▼
Rate6.13%
APR6.27%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
5/6 ARM Conforming
4.75%
6.29%
▼
Rate4.75%
APR6.29%
Points1.000
UpdatedMar 17, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1045 S Central St, Apache Junction, AZ, 85028
5/6 Adjustable-rate mortgage
5.50%
6.31%
▼
Rate5.50%
APR6.31%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
7/6 ARM Conforming
4.88%
6.32%
▼
Rate4.88%
APR6.32%
Points1.125
UpdatedMar 17, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
7/1 ARM
6.50%
6.58%
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
Jumbo Adjustable Rate Loans 7/1 ARM
6.75%
6.58%
▼
Rate6.75%
APR6.58%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
Jumbo Adjustable Rate Loans 10/1 ARM
6.88%
6.74%
▼
Rate6.88%
APR6.74%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1045 S Central St, Apache Junction, AZ, 85028
7/6 First-time homebuyer Adjustable-rate mortgage
6.75%
6.87%
▼
Rate6.75%
APR6.87%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Refi Jumbo 15 Year Fixed Rate
5.38%
5.62%
▼
Rate5.38%
APR5.62%
Points1.125
UpdatedMar 13, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Purchase Jumbo 15 Year Fixed Rate
5.38%
5.63%
▼
Rate5.38%
APR5.63%
Points1.125
UpdatedMar 13, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Jumbo Fixed Rate 15-Year Fixed
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
30-Year Jumbo
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points1.000
UpdatedMar 17, 2026
Details
As Low As
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
10150 W Desert River Blvd, Avondale, AZ, 85008 2442
30 Year Jumbo
30 Year
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.750
UpdatedMar 18, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Refi Jumbo 30 Year Fixed Rate
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.875
UpdatedMar 13, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
60 Day Lock 0.5% Point JUMBO Interest Rate 10-Year
5.88%
6.13%
▼
Rate5.88%
APR6.13%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Purchase Jumbo 30 Year Fixed Rate
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.875
UpdatedMar 13, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
60 Day Lock 0.5% Point JUMBO Interest Rate 15-Year
6.00%
6.18%
▼
Rate6.00%
APR6.18%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ, 85085
VA jumbo purchase loan
5.88%
6.19%
▼
Rate5.88%
APR6.19%
Points0.916
UpdatedMar 15, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Jumbo Fixed Rate 30-Year Fixed
6.25%
6.27%
▼
Rate6.25%
APR6.27%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
60 Day Lock 0.5% Point JUMBO Interest Rate 20-Year
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3561 E SUNRISE DR Ste 125, Phoenix, AZ, 85018 3389
60 Day Lock 0.5% Point JUMBO Interest Rate 30-Year
6.50%
6.62%
▼
Rate6.50%
APR6.62%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
10150 W Desert River Blvd, Avondale, AZ, 85008 2442
30 Year FHA
30 Year
5.49%
5.77%
▼
Rate5.49%
APR5.77%
Points1.750
UpdatedMar 18, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
30-Year FHA
5.38%
6.24%
▼
Rate5.38%
APR6.24%
Points1.125
UpdatedMar 17, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1511 N Project Dr, Goodyear, AZ, 85142
FHA 30 Year
5.50%
6.33%
▼
Rate5.50%
APR6.33%
Points0.375
UpdatedMar 17, 2026
Details
As Low As
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Purchase FHA 30 Year Fixed
5.49%
6.37%
▼
Rate5.49%
APR6.37%
Points0.625
UpdatedMar 13, 2026
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ, 85004
Mortgage Refi FHA 30 Year Fixed
5.49%
6.37%
▼
Rate5.49%
APR6.37%
Points0.625
UpdatedMar 13, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1511 N Project Dr, Goodyear, AZ, 85142
Utah Housing FHA
6.38%
7.20%
▼
Rate6.38%
APR7.20%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 E 16th St, Anthem, AZ, 85004
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1511 N Project Dr, Goodyear, AZ, 85142
VA 30 Year
5.50%
5.98%
▼
Rate5.50%
APR5.98%
Points0.500
UpdatedMar 17, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ, 85085
VA purchase loan
5.75%
6.09%
▼
Rate5.75%
APR6.09%
Points1.049
UpdatedMar 15, 2026
Details
No additional details available.
Zions Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 E Highway 89a, Ajo, AZ, 85012
30-Year VA Fixed
30
5.88%
6.18%
▼
Rate5.88%
APR6.18%
Points0.000
UpdatedMar 15, 2026
Details
Advertised APR assumes excellent credit. Your APR may be higher.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ, 85085
VA cash-out refinance loan
5.88%
6.31%
▼
Rate5.88%
APR6.31%
Points0.871
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 N Macdonald, Apache Junction, AZ, 85012
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Arizona directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Arizona. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in AZ.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Arizona
How does my credit score affect my rate in Arizona?
Your credit score is a major factor. Generally, borrowers in Arizona with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Arizona because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Arizona?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Arizona, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Arizona, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Arizona?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Arizona, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Arizona?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Arizona offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Arizona?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Arizona?
- America First Federal Credit Union: 6.00% (30 Year Fixed)
- Desert Financial Credit Union: 6.00% (Mortgage Refi 30 Year Fixed Rate)
- Credit Union of Southern California Credit Union: 6.25% (30-Year Fixed)
- Mayo Employees Federal Credit Union: 6.12% (30 Year Fixed)
- Notre Dame Federal Credit Union: 6.00% (30-Year Fixed Rate 30 Day Lock - 1% Point)
Mortgage Rates reflect actual verified offers from lenders actively lending to Arizona borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in Arizona
