Safe Rate Rankings

Best Mortgage Lenders in Yuma

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 Lenders31

Total Loans2,320

Median Rate Spread0.44%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,760Fees	0.499%Below	68
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,476Fees	0.264%Above	489
3	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,093Fees	0.460%Above	489
4	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,150Fees	0.064%Above	21
5	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,919Fees	0.555%Above	188
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,180Fees	0.359%Above	162
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$3,129Fees	0.293%Above	28
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,719Fees	0.013%Below	27
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,085Fees	0.102%Below	21
10	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,060Fees	0.416%Above	226
11	EFINITY FINANCIAL INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$3,815Fees	0.758%Above	121
12	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$1,701Fees	0.521%Above	52
13	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,479Fees	0.127%Above	33
14	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,807Fees	0.722%Above	23
15	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$4,098Fees	0.604%Above	56
16	RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,487Fees	0.690%Above	22
17	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,059Fees	0.828%Above	55

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.