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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 Mortgage Lenders in Tucson

Updated February 5, 2026

Market Overview

Total Lenders

12,845

Total Loans

0.25%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	PIMA Federal Credit Union	Exceptional	Exceptional	Sound	Exceptional	$1,533	+0.098%	135
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$1,139	-0.482%	96
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,804	+0.062%	732
4	ALTITUDE FINANCIAL CORPORATION	Strong	Sound	Exceptional	Exceptional	$1,792	+0.291%	571
5	MATTAMY HOME FUNDING, LLC	Strong	Strong	Strong	Strong	$8,531	+0.338%	178
6	U.S. Bank National Association	Strong	Strong	Strong	Strong	$341	-0.008%	77
7	PROVIDENT FUNDING ASSOCIATES, L.P.	Strong	Exceptional	Sound	Sound	$1,281	-0.177%	30
8	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Exceptional	$1,172	-0.566%	721
9	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$2,437	+0.216%	126
10	Bank of America, National Association	Strong	Strong	Strong	Sound	$2,129	-0.007%	42
11	NOVA FINANCIAL & INVESTMENT CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$1,694	+0.301%	1,064
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,280	+0.215%	772
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$3,375	+0.416%	604
14	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	$3,206	+0.531%	506
15	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$4,470	+0.492%	395
16	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,556	+0.185%	306
17	VANTAGE WEST	Strong	Sound	Sound	Exceptional	$1,567	-0.079%	166
18	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$2,985	+0.262%	130
19	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,987	+0.251%	116
20	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,461	-0.085%	88
21	Zions Bancorporation, N.A.	Strong	Strong	Sound	Sound	$1,150	+0.341%	51
22	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,405	+0.419%	941
23	Prosperity Home Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	$2,658	+0.179%	433
24	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$4,305	+0.523%	127
25	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	$1,607	+0.233%	68
26	USAA Federal Savings Bank	Strong	Sound	Sound	Strong	$2,139	-0.064%	68
27	BAY EQUITY LLC	Strong	Sound	Strong	Sound	$2,740	+0.118%	33
28	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$2,954	+0.337%	192
29	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Strong	$2,603	+0.348%	167
30	Flagstar Bank, N.A.	Strong	Acceptable	Strong	Strong	$3,135	+0.382%	90
31	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,886	+0.680%	88
32	Plains Commerce Bank	Strong	Acceptable	Strong	Strong	$3,839	+0.278%	67
33	GoodLeap, LLC	Strong	Sound	Sound	Sound	$5,271	+0.101%	50
34	Nations Lending Corporation	Strong	Acceptable	Exceptional	Sound	$2,387	+0.071%	36
35	BMO Bank National Association	Strong	Sound	Sound	Sound	$789	+0.157%	35
36	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$3,092	+0.179%	27
37	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$1,959	+0.011%	27
38	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	$4,016	+0.586%	293
39	MORIA DEVELOPMENT, INC.	Sound	Mediocre	Strong	Exceptional	$4,304	+0.458%	242
40	Equity Prime Mortgage LLC	Sound	Acceptable	Strong	Sound	$4,038	+0.727%	40
41	Paramount Residential Mortgage Group, Inc.	Sound	Acceptable	Strong	Sound	$2,024	+0.328%	31
42	LOWER, LLC	Sound	Acceptable	Strong	Sound	$2,708	+0.468%	27
43	NEWREZ LLC	Sound	Acceptable	Sound	Sound	$2,524	+0.251%	48
44	SUMMIT FUNDING, INC.	Sound	Mediocre	Exceptional	Sound	$3,940	+0.853%	46
45	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Sound	$2,847	+0.785%	45
46	GENEVA FINANCIAL, LLC	Sound	Mediocre	Exceptional	Sound	$5,212	+0.753%	39
47	OneAZ Credit Union	Sound	Acceptable	Sound	Sound	$1,682	+0.206%	37
48	RIGHT START MORTGAGE, INC.	Sound	Mediocre	Exceptional	Sound	$6,672	+0.345%	34
49	AMERISAVE MORTGAGE CORPORATION	Sound	Mediocre	Acceptable	Sound	$6,305	+0.583%	29

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.

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