Safe Rate Rankings

Best All Lender Mortgage Lenders in Prescott Valley

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders64

Total Loans2,619

Median Rate Spread0.25%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,159Fees	0.101%Above	417
2	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$1,590Fees	0.716%Below	34
3	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,397Fees	0.021%Above	48
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$769Fees	0.174%Below	31
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,302Fees	0.131%Above	305
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,676Fees	0.508%Above	152
7	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,842Fees	0.335%Above	134
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,147Fees	0.442%Above	48
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,285Fees	0.069%Below	41
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,141Fees	0.086%Above	21
11	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,619Fees	0.408%Above	95
12	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,576Fees	0.360%Above	55
13	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,787Fees	0.579%Above	39
14	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$4,696Fees	0.119%Above	32
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,364Fees	0.197%Above	26
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,863Fees	0.176%Above	22
17	OneAZ Credit UnionCredit Union	Strong	Acceptable	Sound	Exceptional	$1,205Fees	0.203%Above	70
18	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,606Fees	0.270%Above	51
19	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,053Fees	0.387%Above	44
20	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,201Fees	0.257%Above	43
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,844Fees	0.666%Above	39
22	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,257Fees	0.379%Above	27
23	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,885Fees	0.401%Above	26
24	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,493Fees	0.296%Above	23
25	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,626Fees	0.596%Above	21
26	GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$4,921Fees	0.562%Above	137
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,040Fees	0.057%Below	33
28	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,560Fees	0.322%Above	25
29	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,652Fees	0.252%Above	56
30	MORIA DEVELOPMENT, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,544Fees	0.419%Above	32
31	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$4,998Fees	0.479%Above	24
32	Glacier BankBank	Sound	Acceptable	Sound	Sound	$2,761Fees	0.130%Above	22
33	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$1,078Fees	0.391%Above	22

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.