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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 Lenders in Yuma
Updated February 5, 2026
Market Overview
31
Total Lenders
2,320
Total Loans
0.44%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,760 | -0.499% | 68 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,476 | +0.264% | 489 | |
3 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,150 | +0.064% | 21 | |
4 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,093 | +0.460% | 489 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,180 | +0.359% | 162 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $3,129 | +0.293% | 28 | |
7 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Sound | $619 | +0.267% | 12 | |
8 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,060 | +0.416% | 226 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,919 | +0.555% | 188 | |
10 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,701 | +0.521% | 52 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,085 | -0.102% | 21 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,479 | +0.127% | 33 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,807 | +0.722% | 23 | |
14 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,937 | +0.261% | 17 | |
15 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,573 | +0.845% | 12 | |
16 | EFINITY FINANCIAL INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,815 | +0.758% | 121 | |
17 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,256 | +0.493% | 15 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,733 | -0.107% | 13 | |
19 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,098 | +0.604% | 56 | |
20 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | Sound | $2,487 | +0.690% | 22 | |
21 | NEWREZ LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,932 | +0.359% | 10 | |
22 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Strong | $5,059 | +0.828% | 55 | |
23 | MORTGAGEONE, INC. | Sound | Mediocre | Strong | Strong | Sound | $4,460 | +0.408% | 10 |
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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Yuma, AZConventional
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