Loan Estimate Challenges
Arizona’s Biggest LE Challenges

While much of its real estate transactional volume takes place in Maricopa County, the state of Arizona does offer one occasional challenge in the assembling of the LE.

Title premiums

In Arizona, title premiums are determined by zones, which can include groupings of counties. The premiums vary by zone.  Additionally, the rounding amounts applied to the transactional consideration can vary by zone, which can occasionally create some confusion. While, in most states, the purchase and loan amount are rounded up to the nearest $1,000 for purposes of determining the title premium, those numbers are rounded up to the next $20,000 (or next $5,000 or next $10,000, depending on the underwriter). 

For example, for some underwriters, a purchase and loan amount of $341,123 would be treated as $360,000 for some underwriters. While the difference might seem negligible on its face, it could be a difference of $10 to $20 for each and every loan file.

Statewide recording fees

Like many states, Arizona maintains flat, statewide recording fees.


There are no transfer or mortgage taxes in Arizona.


Last edited July 14, 2023

LodeStar Software Solutions prides itself on being the most accurate provider of the most up-to-date closing fees in the mortgage industry—so much so that we guarantee those rates. However, unlike the closing fee data we provide our clients through our product, LodeStar can only guarantee the accuracy of the content delivered through LE Challenges at the time of publication.LE Challenges is published solely for marketing and advertising purposes to provide an example of the depth and breadth of our commitment to providing accurate closing fees to its clients. While we do our best to update the content of LE Challenges as often as possible, the data shared here is in no way intended to serve as data to be relied upon in the generation of an actual Loan Estimate or any other element of a mortgage transaction.



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