Average Loan Estimate Fees in Arizona (2024)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
Arizona Average
$5,765
Total lender & third-party fees
National Average
$6,300
Arizona is 8% below the national average
Fee-by-Fee Breakdown (2024)
| Fee Type | Arizona | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,500 | $1,785 | Yes |
| Underwriting Fee | $800 | $815 | Yes |
| Processing Fee | $560 | $610 | Yes |
| Application Fee | $235 | $255 | Yes |
| Rate Lock Fee | $280 | $305 | Yes |
| Appraisal Fee | $470 | $510 | No |
| Title Insurance | $1,105 | $1,275 | No |
| Settlement Fee | $595 | $510 | Yes |
| Document Prep Fee | $190 | $205 | Yes |
| Flood Certification | $30 | $30 | No |
| Total | $5,765 | $6,300 |
Mortgage Closing Costs in Arizona
In 2024, borrowers in Arizona can expect total loan estimate fees of approximately $5,765 on average — 8% lower than the national average of $6,300. The lower costs in Arizona reflect a competitive local lending market and relatively lower operating costs for title and settlement services. Of the fees listed above, the negotiable ones represent your best opportunity to reduce out-of-pocket closing costs — simply asking your lender to reduce or waive these fees before closing can save hundreds of dollars.
Data Note
Fee benchmarks reflect 2024 market conditions. Lender fees have trended approximately 2% higher per year since 2023 due to operational cost increases. Actual fees on your Loan Estimate may vary by lender, loan type, and loan amount.
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