Mortgage lender closing cost rankings in Arizona (2024)
In Arizona, homebuyers paid a median of $8,463 in total closing costs on purchase mortgages in 2024, which is above the national median of $6,741. The median interest rate was 6.49% across 78,221 purchase originations. The most active lender was UNITED WHOLESALE MORTGAGE, LLC with 9,963 originations. The lowest-cost lender (with 50+ loans) was Shea Mortgage Inc. at $550.
Median Total Costs
$8,463
+25.6% vs national ($6,741)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$2,428
Purchase Originations
78,221
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 46,386 | 6.625% | $6,543 |
| fha | 21,745 | 6.125% | $13,255 |
| va | 9,611 | 6.125% | $7,326 |
| usda | 479 | 6.250% | $8,692 |
Lowest closing cost lenders in Arizona
Ranked by median total loan costs among lenders with 50+ purchase originations in Arizona.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $550 | 6.125% | $0 | 222 | −$7,913 | |
| 2 | $2,077 | 3.000% | $763 | 51 | −$6,386 | |
| 3 | $3,377 | 5.500% | $0 | 1,226 | −$5,086 | |
| 4 | $4,225 | 6.625% | $0 | 752 | −$4,238 | |
| 5 | $4,286 | 6.125% | $0 | 598 | −$4,177 | |
| 6 | $4,728 | 6.500% | $1,344 | 1,148 | −$3,735 | |
| 7 | $4,811 | 5.375% | $0 | 1,221 | −$3,652 | |
| 8 | $4,924 | 6.250% | $250 | 103 | −$3,539 | |
| 9 | $5,080 | 6.500% | $950 | 72 | −$3,383 | |
| 10 | $5,208 | 6.623% | $295 | 80 | −$3,255 | |
| 11 | $5,278 | 5.875% | $126 | 1,462 | −$3,185 | |
| 12 | $5,282 | 6.000% | $815 | 126 | −$3,181 | |
| 13 | $5,369 | 6.125% | $975 | 152 | −$3,094 | |
| 14 | $5,461 | 6.250% | $1,250 | 73 | −$3,002 | |
| 15 | $5,482 | 6.375% | $995 | 266 | −$2,981 | |
| 16 | $5,717 | 6.500% | $0 | 1,041 | −$2,746 | |
| 17 | $5,740 | 6.750% | $1,360 | 70 | −$2,723 | |
| 18 | $5,761 | 6.500% | $1,335 | 235 | −$2,702 | |
| 19 | $5,783 | 5.750% | $126 | 573 | −$2,680 | |
| 20 | $5,793 | 6.750% | $1,640 | 372 | −$2,670 | |
| 21 | $5,817 | 6.490% | $1,935 | 143 | −$2,646 | |
| 22 | $5,857 | 6.500% | $1,391 | 124 | −$2,606 | |
| 23 | $5,887 | 6.500% | $2,226 | 407 | −$2,576 | |
| 24 | $5,889 | 6.062% | $1,116 | 56 | −$2,574 | |
| 25 | $5,905 | 6.125% | $1,860 | 405 | −$2,558 |
Includes lenders with 50+ purchase originations in Arizona. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Maricopa County
45,996 originations
Pima County
10,649 originations
Pinal County
9,982 originations
Yavapai County
2,685 originations
Mohave County
2,505 originations
Yuma County
2,200 originations
Cochise County
1,210 originations
Coconino County
928 originations
Navajo County
691 originations
Gila County
469 originations
Santa Cruz County
372 originations
Graham County
283 originations
Apache County
158 originations
See Arizona closing cost details, fee benchmarks, and county comparisons → Arizona Closing Costs Guide
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.