Safe Rate Rankings

Best Conventional Mortgage Lenders in Tucson

Updated February 5, 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 Lenders95

Total Loans12,845

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