Best Mortgage in Arizona

Home purchase loans, refinancing, and home equity products from top mortgage lenders. In Arizona, personal loans are capped at 36% APR for licensed consumer lenders, overseen by the Arizona Department of Insurance and Financial Institutions.

Arizona Lending Overview

Personal Loan APR cap

36%

Median Home Price

$415,000

Median Household Income

$72,000

Avg Student Debt

$35,792

State Regulator

Arizona Department of Insurance and Financial Institutions

Notable law: Arizona banned payday loans outright in 2010 when the state legislature allowed the Small Loan Act to expire, making 36% the effective ceiling for most consumer installment loans.

8 Mortgage Lenders serving Arizona

Best Egg

Mortgage

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Arizona

Apply at Best Egg

Better Mortgage

Mortgage

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Arizona

Apply at Better Mortgage

Bluevine

Mortgage

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Arizona

Apply at Bluevine

Capital One Auto

Mortgage

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Arizona

Apply at Capital One Auto

Earnest

Mortgage

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Arizona

Apply at Earnest

LightStream

Mortgage

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Arizona

Apply at LightStream

LightStream Auto

Mortgage

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Arizona

Apply at LightStream Auto

OnDeck

Mortgage

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Arizona

Apply at OnDeck

Arizona Lending Laws

Arizona banned payday loans outright in 2010 when the state legislature allowed the Small Loan Act to expire, making 36% the effective ceiling for most consumer installment loans.

The primary regulator for consumer lending in Arizona is the Arizona Department of Insurance and Financial Institutions. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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