Which mortgage lender in the Pinetop-Lakeside, AZ area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Pinetop-Lakeside, AZ area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Pinetop-Lakeside, AZ area in terms of interest rate is Nova Home Loans, with an average “Rate Difference” of -0.06%. This means that, comparing similar borrowers, Nova Home Loans provided a -0.06% lower interest rate for its customers than other lenders in the area. Nova Home Loans has a market share of 4.3%. On the other hand, the most popular lender in the Pinetop-Lakeside, AZ area is Guild Mortgage Company, with a larger market share of 25.7%. Guild Mortgage Company is also a relatively cheap lender, with a “Rate Difference” of -0.04% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Pinetop-Lakeside, AZ area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Pinetop-Lakeside, AZ is Nova Home Loans. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Guild Mortgage Company. The cheapest VA mortgage provider is Wells Fargo Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Pinetop-Lakeside, AZ
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Nova Home Loans | -0.06% | 4.27% | |
| Wells Fargo Bank | -0.06% | 6.26% | |
| Guild Mortgage Company | -0.04% | 25.73% | |
| loanDepot | -0.04% | 6.56% | |
| USAA | -0.03% | 2.60% | |
| JPMorgan Chase Bank | -0.03% | 6.34% | |
| Quicken Loans | 0.01% | 17.02% | |
| Fairway Independent Mortgage Corporation | 0.01% | 6.56% | |
| V.I.P. Mortgage Inc | 0.03% | 2.90% | |
| American Pacific Mortgage | 0.07% | 3.21% | |
| AmeriFirst Financial | 0.09% | 13.28% | |
| Peoples Mortgage | 0.11% | 5.27% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.11% | 6.36% | |
| Nova Home Loans | -0.07% | 5.04% | |
| JPMorgan Chase Bank | -0.06% | 5.28% | |
| USAA | -0.05% | 3.12% | |
| Guild Mortgage Company | -0.04% | 26.77% | |
| Quicken Loans | -0.03% | 11.04% | |
| loanDepot | -0.02% | 3.60% | |
| Fairway Independent Mortgage Corporation | 0.01% | 8.40% | |
| V.I.P. Mortgage Inc | 0.03% | 2.76% | |
| American Pacific Mortgage | 0.07% | 4.56% | |
| AmeriFirst Financial | 0.10% | 16.93% | |
| Peoples Mortgage | 0.12% | 6.12% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.05% | 23.90% | |
| loanDepot | -0.04% | 11.74% | |
| Nova Home Loans | -0.03% | 2.94% | |
| Fairway Independent Mortgage Corporation | -0.01% | 3.35% | |
| JPMorgan Chase Bank | 0.00% | 8.18% | |
| USAA | 0.00% | 1.68% | |
| AmeriFirst Financial | 0.01% | 6.92% | |
| American Pacific Mortgage | 0.01% | 0.84% | |
| V.I.P. Mortgage Inc | 0.01% | 3.14% | |
| Quicken Loans | 0.04% | 27.46% | |
| Wells Fargo Bank | 0.04% | 6.08% | |
| Peoples Mortgage | 0.08% | 3.77% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Nova Home Loans | -0.07% | 4.29% | |
| loanDepot | -0.06% | 5.86% | |
| Wells Fargo Bank | -0.06% | 7.53% | |
| USAA | -0.06% | 1.46% | |
| Guild Mortgage Company | -0.04% | 24.48% | |
| JPMorgan Chase Bank | -0.04% | 8.26% | |
| Quicken Loans | 0.01% | 17.47% | |
| Fairway Independent Mortgage Corporation | 0.01% | 7.01% | |
| V.I.P. Mortgage Inc | 0.02% | 3.35% | |
| American Pacific Mortgage | 0.09% | 2.20% | |
| AmeriFirst Financial | 0.11% | 11.72% | |
| Peoples Mortgage | 0.12% | 6.38% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.13% | 7.33% | |
| Nova Home Loans | -0.08% | 4.67% | |
| USAA | -0.08% | 1.83% | |
| JPMorgan Chase Bank | -0.07% | 6.67% | |
| loanDepot | -0.05% | 3.17% | |
| Guild Mortgage Company | -0.04% | 26.50% | |
| Quicken Loans | -0.03% | 12.17% | |
| Fairway Independent Mortgage Corporation | 0.01% | 9.00% | |
| V.I.P. Mortgage Inc | 0.03% | 3.33% | |
| American Pacific Mortgage | 0.09% | 3.33% | |
| Peoples Mortgage | 0.13% | 7.50% | |
| AmeriFirst Financial | 0.14% | 14.50% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| loanDepot | -0.06% | 10.39% | |
| Guild Mortgage Company | -0.05% | 21.07% | |
| Nova Home Loans | -0.04% | 3.65% | |
| Fairway Independent Mortgage Corporation | -0.02% | 3.65% | |
| JPMorgan Chase Bank | -0.00% | 10.96% | |
| AmeriFirst Financial | 0.01% | 7.02% | |
| USAA | 0.01% | 0.84% | |
| V.I.P. Mortgage Inc | 0.01% | 3.37% | |
| American Pacific Mortgage | 0.02% | 0.28% | |
| Quicken Loans | 0.04% | 26.40% | |
| Wells Fargo Bank | 0.04% | 7.87% | |
| Peoples Mortgage | 0.09% | 4.49% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.07% | 30.68% | |
| Nova Home Loans | -0.05% | 5.11% | |
| Quicken Loans | 0.01% | 21.02% | |
| Wells Fargo Bank | 0.01% | 0.57% | |
| Fairway Independent Mortgage Corporation | 0.03% | 5.68% | |
| V.I.P. Mortgage Inc | 0.03% | 2.27% | |
| Peoples Mortgage | 0.04% | 2.27% | |
| loanDepot | 0.06% | 5.68% | |
| AmeriFirst Financial | 0.06% | 19.32% | |
| American Pacific Mortgage | 0.06% | 7.39% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.08% | 30.95% | |
| Nova Home Loans | -0.05% | 6.35% | |
| Quicken Loans | -0.02% | 10.32% | |
| Wells Fargo Bank | 0.01% | 0.79% | |
| Fairway Independent Mortgage Corporation | 0.03% | 7.94% | |
| V.I.P. Mortgage Inc | 0.04% | 2.38% | |
| Peoples Mortgage | 0.04% | 2.38% | |
| American Pacific Mortgage | 0.06% | 10.32% | |
| loanDepot | 0.06% | 3.97% | |
| AmeriFirst Financial | 0.06% | 24.60% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.06% | 30.00% | |
| Nova Home Loans | -0.00% | 2.00% | |
| Quicken Loans | 0.02% | 48.00% | |
| Peoples Mortgage | 0.03% | 2.00% | |
| V.I.P. Mortgage Inc | 0.03% | 2.00% | |
| AmeriFirst Financial | 0.03% | 6.00% | |
| loanDepot | 0.05% | 10.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 50.00% | |
| JPMorgan Chase Bank | 0.02% | 33.33% | |
| AmeriFirst Financial | 0.02% | 16.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 50.00% | |
| JPMorgan Chase Bank | 0.02% | 33.33% | |
| AmeriFirst Financial | 0.02% | 16.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 3.49% | |
| Guild Mortgage Company | -0.02% | 28.49% | |
| USAA | -0.01% | 11.63% | |
| V.I.P. Mortgage Inc | -0.01% | 1.16% | |
| Nova Home Loans | -0.00% | 3.49% | |
| loanDepot | -0.00% | 11.63% | |
| JPMorgan Chase Bank | 0.00% | 1.16% | |
| Fairway Independent Mortgage Corporation | 0.00% | 5.23% | |
| Quicken Loans | 0.01% | 11.05% | |
| AmeriFirst Financial | 0.02% | 15.70% | |
| American Pacific Mortgage | 0.03% | 4.65% | |
| Peoples Mortgage | 0.04% | 2.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.04% | 4.95% | |
| USAA | -0.02% | 14.85% | |
| Nova Home Loans | -0.01% | 5.94% | |
| Guild Mortgage Company | -0.01% | 24.75% | |
| Fairway Independent Mortgage Corporation | -0.01% | 5.94% | |
| JPMorgan Chase Bank | -0.01% | 1.98% | |
| Quicken Loans | 0.01% | 5.94% | |
| loanDepot | 0.02% | 5.94% | |
| AmeriFirst Financial | 0.02% | 21.78% | |
| American Pacific Mortgage | 0.04% | 4.95% | |
| Peoples Mortgage | 0.04% | 2.97% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.02% | 33.80% | |
| loanDepot | -0.00% | 19.72% | |
| AmeriFirst Financial | -0.00% | 7.04% | |
| V.I.P. Mortgage Inc | 0.01% | 2.82% | |
| USAA | 0.01% | 7.04% | |
| American Pacific Mortgage | 0.01% | 4.23% | |
| Peoples Mortgage | 0.02% | 1.41% | |
| Wells Fargo Bank | 0.02% | 1.41% | |
| Fairway Independent Mortgage Corporation | 0.02% | 4.23% | |
| Quicken Loans | 0.02% | 18.31% |
* Data is compiled for the Pinetop-Lakeside, AZ commuting zone area, which comprises of counties of Apache County, AZ, Navajo County, AZ, Cibola County, NM, and McKinley County, NM. This includes cities/towns/communities of Pinetop-Lakeside, AZ as well as Heber-Overgaard, AZ, Linden, AZ, Eagar, AZ, Gallup, NM, Show Low, AZ, Lake of the Woods, AZ, Snowflake, AZ, Taylor, AZ, Woodruff, AZ, Concho, AZ, Holbrook, AZ, Winslow, AZ, Grants, NM, Milan, NM, Pinedale, AZ, Springerville, AZ, Ramah, NM, Window Rock, AZ, Church Rock, NM, Klagetoh, AZ, Thoreau, NM, Yah-ta-hey, NM, Chinle, AZ, Skyline-Ganipa, NM, Teec Nos Pos, AZ, Round Rock, AZ, Pinon, AZ, Zuni Pueblo, NM, Tees Toh, AZ, Second Mesa, AZ, Oak Springs, AZ, Chilchinbito, AZ, Whitecone, AZ, Laguna, NM, Sawmill, AZ, Pinehill, NM, Twin Lakes, NM, Nazlini, AZ, Kayenta, AZ, Navajo, NM, Dennehotso, AZ, Whiteriver, AZ, Pueblo Pintado, NM, Crownpoint, NM, Hondah, AZ, Black Rock, NM, and Sanders, AZ. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
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