Arizona · Q1 2026
What Arizona borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 661 lenders.
Published 2026-04-29.
Arizona · headline
The gap between Arizona's lowest- and highest-cost ranked lenders in 2025 was $6,461 on a typical loan — borrowers using DHI Mortgage Company, LTD. paid roughly 166% more than borrowers using JPMorgan Chase Bank, N.A. on similar loans.
Source: FFIEC HMDA 2025 (n=133,481)
In 2025, 661 mortgage lenders originated 133,481 reportable loans in Arizona according to FFIEC HMDA data. The median borrower paid $6,351 in total loan costs. That is 49.7% above the national median across all 50 states and DC.
Arizona's median total loan cost was $6,351, 49.7% above the national median of $4,242. On a typical loan, that translates to roughly $2,109 more than borrowers paid in the average state.
JPMorgan Chase Bank, N.A. posted the lowest median total loan costs at $3,895, 38.7% below the Arizona median. Across the ranked lenders, 7 earned an A grade against peer averages and 2 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Arizona are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | $8,283 | $3,950 | 17,421 | C |
| 2 | Rocket Mortgage | $5,358 | $3,170 | 13,304 | A |
| 3 | CrossCountry Mortgage | $8,811 | $3,904 | 4,318 | C |
| 4 | Fairway Independent Mortgage | $8,498 | $3,638 | 3,996 | C |
| 5 | loanDepot.com, LLC | $9,038 | $2,841 | 3,820 | D |
| 6 | Nova Financial & Investment Corporation | $4,942 | $1,613 | 3,419 | A |
| 7 | Guild Mortgage | $7,901 | $3,850 | 3,190 | B |
| 8 | Pennymac | $5,883 | $2,603 | 2,945 | A |
| 9 | Lennar Mortgage, LLC | $7,466 | $1,648 | 2,616 | B |
| 10 | DHI Mortgage Company, LTD. | $10,356 | $1,940 | 2,382 | F |
Arizona median total loan cost
Arizona borrowers paid a median $6,351 in total loan costs in 2025, based on 133,481 HMDA-reported loans across 661 lenders.
FFIEC HMDA 2025
Lender spread in Arizona
In Arizona, the gap between JPMorgan Chase Bank, N.A. ($3,895 median) and DHI Mortgage Company, LTD. ($10,356 median) was $6,461 on a typical 2025 loan.
FFIEC HMDA 2025
Arizona vs. national
Arizona closing costs ran 49.7% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Arizona was $2,508, with the typical lender clustering tightly around that figure. Discount points appeared on 64% of loans, with a median paid amount of $3,039 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 30% of loans, with a median credit of $500.
Avg $4,277
Median $3,039 when present
Median $500 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Arizona) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Arizona
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