Safe Rate Rankings

Best All Lender Mortgage Lenders in Sierra Vista

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 Lenders26

Total Loans1,151

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$72Fees	0.497%Below	28
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,752Fees	0.234%Below	92
3	ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,578Fees	0.135%Above	62
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,176Fees	0.313%Above	110
5	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$531Credit	0.226%Above	40
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,941Fees	0.212%Above	33
7	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,019Fees	0.253%Above	284
8	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,678Fees	0.294%Above	67
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,393Fees	0.589%Above	62
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,530Fees	0.655%Above	24
11	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$748Credit	0.213%Above	62
12	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,558Fees	0.106%Below	32
13	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,126Fees	0.229%Above	31
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,635Fees	0.279%Above	27
15	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,720Fees	0.772%Above	46
16	AMERICAN SOUTHWESTCredit Union	Sound	Acceptable	Acceptable	Strong	$1,166Fees	0.867%Above	20

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.