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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Conventional Mortgage Lenders in Prescott Valley

Updated February 5, 2026

Market Overview

Total Lenders

2,619

Total Loans

0.25%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,590	-0.716%	34
2	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,261	-0.073%	11
3	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$769	-0.174%	31
4	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,159	+0.101%	417
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,302	+0.131%	305
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$3,397	+0.021%	48
7	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,147	+0.442%	48
8	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,141	+0.086%	21
9	Morgan Stanley Private Bank, National Association	Strong	Exceptional	Strong	Sound	Acceptable	$447	-0.435%	10
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,676	+0.508%	152
11	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,842	+0.335%	134
12	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,619	+0.408%	95
13	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,285	-0.069%	41
14	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,364	+0.197%	26
15	Zions Bancorporation, N.A.	Strong	Strong	Strong	Sound	Sound	$1,116	+0.076%	17
16	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,576	+0.360%	55
17	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,606	+0.270%	51
18	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,201	+0.257%	43
19	NOVA FINANCIAL & INVESTMENT CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,787	+0.579%	39
20	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,844	+0.666%	39
21	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,885	+0.401%	26
22	NexBank	Strong	Sound	Strong	Strong	Sound	$2,281	+0.226%	11
23	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Acceptable	$4,346	+0.188%	10
24	OneAZ Credit Union	Strong	Acceptable	Strong	Sound	Exceptional	$1,205	+0.203%	70
25	HOMEOWNERS FINANCIAL GROUP USA, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,652	+0.252%	56
26	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Strong	$5,053	+0.387%	44
27	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,040	-0.057%	33
28	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$4,696	+0.119%	32
29	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,257	+0.379%	27
30	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,560	+0.322%	25
31	INTERCAP LENDING INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,493	+0.296%	23
32	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Sound	$1,078	+0.391%	22
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,863	+0.176%	22
34	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,626	+0.596%	21
35	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,932	+0.265%	15
36	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$3,295	+0.124%	15
37	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,032	+0.144%	13
38	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,984	+0.204%	13
39	Bell Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,659	+0.408%	13
40	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$5,237	+0.152%	12
41	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Sound	$3,711	+0.055%	10
42	GARDNER FINANCIAL SERVICES, LTD.	Strong	Mediocre	Strong	Strong	Exceptional	$4,921	+0.562%	137
43	Glacier Bank	Strong	Acceptable	Exceptional	Sound	Sound	$2,761	+0.130%	22
44	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,334	+0.517%	19
45	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,724	+0.310%	14
46	Adams Bank & Trust	Strong	Sound	Sound	Sound	Sound	$1,575	+0.112%	13
47	Sunflower Bank, National Association	Strong	Acceptable	Strong	Strong	Sound	$3,754	+0.571%	11
48	MORIA DEVELOPMENT, INC.	Sound	Mediocre	Strong	Strong	Strong	$4,544	+0.419%	32
49	CLM MORTGAGE, INC.	Sound	Acceptable	Strong	Sound	Sound	$3,990	+0.134%	18
50	Bank of Colorado	Sound	Acceptable	Strong	Sound	Sound	$3,066	+0.223%	17

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.

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