Homebuyers in Yavapai County County who chose Heritage Mortgage, LLC paid $6,599 less in closing costs than the county median.
County Median Costs
$7,499
−10.0% vs Arizona ($8,336)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,470
Purchase Originations
2,647
Denial Rate
7.4%
vs Arizona avg (6.7%)
vs Arizona Median
10.0% below
$-837
vs National Median
12.3% above
$819
50 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $900 | 6.625% | $0 | 28 | −$5,426 | |
| 2 | $2,841 | 6.875% | $0 | 10 | −$3,485 | |
| 3 | $4,143 | 6.875% | $935 | 25 | −$2,183 | |
| 4 | $4,165 | 6.500% | $1,245 | 23 | −$2,161 | |
| 5 | $4,177 | 6.500% | $1,480 | 10 | −$2,149 | |
| 6 | $4,228 | 6.875% | $1,220 | 11 | −$2,098 | |
| 7 | $4,429 | 6.562% | $1,409 | 16 | −$1,897 | |
| 8 | $4,672 | 6.625% | $1,495 | 11 | −$1,654 | |
| 9 | $4,889 | 6.125% | $995 | 57 | −$1,437 | |
| 10 | $4,979 | 6.625% | $1,425 | 13 | −$1,347 | |
| 11 | $5,055 | 6.250% | $1,453 | 41 | −$1,271 | |
| 12 | $5,108 | 6.875% | $1,650 | 13 | −$1,218 | |
| 13 | $5,141 | 6.490% | $1,660 | 44 | −$1,185 | |
| 14 | $5,502 | 6.125% | $1,250 | 21 | −$824 | |
| 15 | $5,537 | 6.500% | $1,944 | 31 | −$789 | |
| 16 | $5,593 | 6.500% | $1,640 | 11 | −$733 | |
| 17 | $5,653 | 6.625% | $1,865 | 11 | −$673 | |
| 18 | $5,669 | 6.000% | $1,504 | 17 | −$657 | |
| 19 | $5,756 | 6.500% | $1,550 | 35 | −$570 | |
| 20 | $5,808 | 6.625% | $2,484 | 86 | −$518 | |
| 21 | $6,118 | 6.750% | $2,288 | 75 | −$208 | |
| 22 | $6,388 | 6.750% | $3,331 | 12 | +$62 | |
| 23 | $6,448 | 6.875% | $2,082 | 95 | +$122 | |
| 24 | $6,521 | 6.990% | $1,875 | 13 | +$195 | |
| 25 | $6,523 | 6.500% | $3,182 | 11 | +$197 |
Includes lenders with 10+ purchase originations in Yavapai County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Arizona → Lender Directory
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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 2025, 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.