Safe Rate Rankings

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