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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 Company Lenders in Prescott Valley
Updated February 5, 2026
Market Overview
42
Total Lenders
2,619
Total Loans
0.25%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,261 | -0.073% | 11 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,159 | +0.101% | 417 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,302 | +0.131% | 305 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $3,397 | +0.021% | 48 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,676 | +0.508% | 152 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,842 | +0.335% | 134 | |
7 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,619 | +0.408% | 95 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,285 | -0.069% | 41 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,364 | +0.197% | 26 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,576 | +0.360% | 55 | |
11 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,606 | +0.270% | 51 | |
12 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,201 | +0.257% | 43 | |
13 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,787 | +0.579% | 39 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,844 | +0.666% | 39 | |
15 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,885 | +0.401% | 26 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Acceptable | $4,346 | +0.188% | 10 | |
17 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,652 | +0.252% | 56 | |
18 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $5,053 | +0.387% | 44 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,040 | -0.057% | 33 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $4,696 | +0.119% | 32 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,257 | +0.379% | 27 | |
22 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,560 | +0.322% | 25 | |
23 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,493 | +0.296% | 23 | |
24 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Sound | $1,078 | +0.391% | 22 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,863 | +0.176% | 22 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,626 | +0.596% | 21 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,932 | +0.265% | 15 | |
28 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,984 | +0.204% | 13 | |
29 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $5,237 | +0.152% | 12 | |
30 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $3,711 | +0.055% | 10 | |
31 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Strong | Strong | Exceptional | $4,921 | +0.562% | 137 | |
32 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,334 | +0.517% | 19 | |
33 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,724 | +0.310% | 14 | |
34 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,544 | +0.419% | 32 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,998 | +0.479% | 24 | |
36 | CLM MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,990 | +0.134% | 18 | |
37 | Waterstone Mortgage Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $5,152 | +0.418% | 12 | |
38 | Wallick & Volk, Inc. | Sound | Mediocre | Strong | Strong | Sound | $3,927 | +0.444% | 10 | |
39 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Sound | $4,163 | +0.424% | 13 | |
40 | DEFINE MORTGAGE SOLUTIONS, LLC | Sound | Acceptable | Sound | Acceptable | Sound | $3,559 | +0.337% | 11 | |
41 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Acceptable | $3,990 | +0.626% | 10 | |
42 | Loan Simple, Inc. | Sound | Mediocre | Sound | Acceptable | Sound | $6,010 | +0.767% | 13 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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