By the Wirly Editorial Team | AI-assisted, human-reviewed
Mortgage Refinancing in Arizona
Real refinance data for Arizona from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
17,953
2024 HMDA data
Avg Loan Amount
$545,057
National: $428,119
Denial Rate
23.29%
▲ Below national avg
Median Home Value
$358,900
U.S. Census Bureau
Source: HMDA 2024 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Arizona
Originations by Year
Refinance originations in Arizona by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Arizona
Source: FHFA House Price Index
Top Lenders in Arizona
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | United Shore Financial Services LLC | 23,410 | - |
| 2 | United Shore Financial Services LLC | 22,835 | - |
| 3 | Rocket Mortgage LLC | 20,661 | - |
| 4 | United Wholesale Mortgage LLC | 17,995 | - |
| 5 | Desert Financial Federal Credit Union | 16,221 | - |
| 6 | Fairway Independent Mortgage Corporation | 15,677 | - |
| 7 | Rocket Mortgage LLC | 15,137 | - |
| 8 | Desert Financial Credit Union | 14,856 | - |
| 9 | Desert Financial Credit Union | 14,242 | - |
| 10 | Nova Financial & Investment Corporation | 12,644 | - |
Ranked by total HMDA filings in the state (2024). Source: HMDA via CFPB.
Compare all lenders →How Arizona Compares
| Metric | Arizona | National Avg |
|---|---|---|
| Refinance Originations | 17,953 | 697,820 |
| Avg Loan Amount | $545,057 | $428,119 |
| Denial Rate | 23.29% | 24.2% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2024, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.51%
▲ 6.36% prev
15-Year Fixed
5.85%
▲ 5.71% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Arizona in 2024?
In 2024, there were 17,953 refinance originations in Arizona, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Arizona?
The average refinance loan amount in Arizona was $545,057 in 2024. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Arizona?
The refinance denial rate in Arizona was 23.29% in 2024. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Arizona?
The most active lenders in Arizona by HMDA filing volume include United Shore Financial Services LLC, United Shore Financial Services LLC, Rocket Mortgage LLC. See the full list above for details.
Is it a good time to refinance in Arizona?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Arizona, including tips, regulations, and state programs.
Read the Arizona Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.