# Best FHA Mortgage Lenders in Prescott Valley

**As of:** 2026-05-23

Compare the top FHA mortgage lenders in Prescott Valley. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/prescott-valley/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 64
- **Total Loans:** 2,619
- **Median Rate Spread:** 0.24785714285714286%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 417 | Independent Mortgage Company |
| 2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 48 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 305 | Independent Mortgage Company |
| 4 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 152 | Independent Mortgage Company |
| 5 | THE LOAN STORE, INC. | 79 | 49 | 72 | 43 | Independent Mortgage Company |
| 6 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 41 | Independent Mortgage Company |
| 7 | NOVA FINANCIAL & INVESTMENT CORPORATION | 79 | 47 | 79 | 39 | Independent Mortgage Company |
| 8 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 32 | Independent Mortgage Company |
| 9 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 134 | Independent Mortgage Company |
| 10 | V.I.P. MORTGAGE, INC. | 75 | 37 | 83 | 95 | Independent Mortgage Company |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 55 | Independent Mortgage Company |
| 12 | Flagstar Bank, N.A. | 73 | 58 | 71 | 15 | Bank |
| 13 | GoodLeap, LLC | 73 | 62 | 58 | 12 | Independent Mortgage Company |
| 14 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 51 | Independent Mortgage Company |
| 15 | Synergy One Lending, Inc. | 71 | 20 | 75 | 44 | Independent Mortgage Company |
| 16 | CORNERSTONE CAPITAL BANK, SSB | 70 | 30 | 85 | 12 | Bank |
| 17 | GARDNER FINANCIAL SERVICES, LTD. | 67 | 14 | 80 | 137 | Independent Mortgage Company |
| 18 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 12 | Independent Mortgage Company |
| 19 | AMERICAN PACIFIC MORTGAGE CORPORATION | 59 | 10 | 81 | 24 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Prescott Valley.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.