Top Mortgage Lenders in Yuma, AZ

Which mortgage lender in the Yuma, AZ area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Yuma, 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 Yuma, AZ area in terms of interest rate is Stearns Home Loans, with an average “Rate Difference” of -0.25%. This means that, comparing similar borrowers, Stearns Home Loans provided a -0.25% lower interest rate for its customers than other lenders in the area. Stearns Home Loans has a market share of 1.8%. On the other hand, the most popular lender in the Yuma, AZ area is Nova Home Loans, with a larger market share of 18.7%. Nova Home Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.06% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Yuma, 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 Yuma, AZ is Stearns 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 Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Home Point Financial Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. 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 Yuma, AZ

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans-0.25%(5.0)1.81%
Navy Federal Credit Union-0.17%(4.5)4.36%
Home Point Financial Corporation-0.14%(4.0)1.96%
Community Mortgage Funding-0.10%(4.0)1.21%
AEA Federal Credit Union-0.10%(4.0)2.26%
Nova Home Loans-0.06%(4.0)18.67%
Geneva Financial Home Loans-0.02%(3.5)0.87%
Bank of America-0.01%(3.5)0.70%
Guild Mortgage Company-0.01%(3.5)12.94%
PennyMac Loan Services-0.00%(3.5)0.87%
Caliber Home Loans0.01%(3.5)1.23%
Wells Fargo Bank0.01%(3.5)3.64%
JPMorgan Chase Bank0.02%(3.5)2.26%
HomeBridge Financial Services0.03%(3.5)0.72%
Wallick & Volk0.03%(3.5)4.66%
Quicken Loans0.04%(3.5)6.96%
Carrington Mortgage Services0.04%(3.5)0.94%
Fairway Independent Mortgage Corporation0.08%(3.0)6.73%
Mr. Cooper0.08%(3.0)1.17%
AmeriFirst Financial0.09%(3.0)3.43%
Academy Mortgage Corporation Utah0.22%(2.5)9.96%
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans-0.32%(5.0)2.15%
Navy Federal Credit Union-0.21%(4.5)5.09%
Home Point Financial Corporation-0.20%(4.5)1.80%
Wells Fargo Bank-0.11%(4.0)2.43%
JPMorgan Chase Bank-0.09%(4.0)1.17%
Bank of America-0.09%(4.0)0.47%
AEA Federal Credit Union-0.09%(4.0)1.01%
Mr. Cooper-0.06%(4.0)0.44%
Nova Home Loans-0.04%(3.5)19.66%
Quicken Loans-0.02%(3.5)2.40%
Geneva Financial Home Loans-0.02%(3.5)1.11%
Community Mortgage Funding-0.02%(3.5)0.70%
PennyMac Loan Services-0.01%(3.5)0.25%
Guild Mortgage Company0.00%(3.5)15.52%
Wallick & Volk0.02%(3.5)4.90%
Caliber Home Loans0.03%(3.5)0.92%
HomeBridge Financial Services0.03%(3.5)0.35%
Carrington Mortgage Services0.04%(3.5)0.54%
Fairway Independent Mortgage Corporation0.08%(3.0)8.57%
AmeriFirst Financial0.11%(3.0)4.27%
Academy Mortgage Corporation Utah0.24%(2.5)12.45%
Lender NameRate DifferenceRate RatingMarket Share
Community Mortgage Funding-0.15%(4.0)2.28%
Nova Home Loans-0.13%(4.0)16.63%
AEA Federal Credit Union-0.10%(4.0)4.83%
Guild Mortgage Company-0.06%(4.0)7.63%
Home Point Financial Corporation-0.05%(3.5)2.28%
Navy Federal Credit Union-0.03%(3.5)2.87%
AmeriFirst Financial-0.01%(3.5)1.70%
Caliber Home Loans-0.01%(3.5)1.89%
Stearns Home Loans0.00%(3.5)1.11%
PennyMac Loan Services0.01%(3.5)2.15%
Geneva Financial Home Loans0.01%(3.5)0.39%
HomeBridge Financial Services0.04%(3.5)1.50%
Carrington Mortgage Services0.05%(3.5)1.76%
Bank of America0.05%(3.0)1.17%
Quicken Loans0.06%(3.0)16.37%
Wallick & Volk0.07%(3.0)4.17%
Fairway Independent Mortgage Corporation0.07%(3.0)2.94%
JPMorgan Chase Bank0.09%(3.0)4.50%
Wells Fargo Bank0.11%(3.0)6.13%
Academy Mortgage Corporation Utah0.12%(3.0)4.83%
Mr. Cooper0.13%(3.0)2.67%
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans-0.53%(5.0)1.56%
Home Point Financial Corporation-0.18%(4.5)0.86%
Community Mortgage Funding-0.11%(4.0)1.92%
AEA Federal Credit Union-0.10%(4.0)4.18%
Nova Home Loans-0.03%(3.5)17.72%
Bank of America-0.01%(3.5)1.27%
Wells Fargo Bank0.01%(3.5)6.51%
Carrington Mortgage Services0.02%(3.5)0.37%
Guild Mortgage Company0.02%(3.5)13.14%
PennyMac Loan Services0.02%(3.5)0.41%
Geneva Financial Home Loans0.02%(3.5)0.90%
JPMorgan Chase Bank0.02%(3.5)4.18%
Caliber Home Loans0.04%(3.5)0.65%
Quicken Loans0.04%(3.5)9.41%
Wallick & Volk0.07%(3.0)4.38%
Navy Federal Credit Union0.07%(3.0)2.54%
HomeBridge Financial Services0.07%(3.0)0.57%
AmeriFirst Financial0.10%(3.0)2.21%
Fairway Independent Mortgage Corporation0.11%(3.0)5.85%
Mr. Cooper0.18%(2.5)0.82%
Academy Mortgage Corporation Utah0.20%(2.5)9.25%
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans-0.69%(5.0)2.04%
Home Point Financial Corporation-0.28%(5.0)0.91%
Wells Fargo Bank-0.12%(4.0)4.63%
Bank of America-0.10%(4.0)0.91%
JPMorgan Chase Bank-0.09%(4.0)2.39%
AEA Federal Credit Union-0.09%(4.0)1.97%
Quicken Loans-0.02%(3.5)3.86%
PennyMac Loan Services-0.01%(3.5)0.28%
Community Mortgage Funding-0.00%(3.5)0.84%
Geneva Financial Home Loans0.02%(3.5)1.12%
Guild Mortgage Company0.02%(3.5)18.19%
Carrington Mortgage Services0.03%(3.5)0.21%
HomeBridge Financial Services0.05%(3.0)0.56%
Nova Home Loans0.06%(3.0)17.91%
Caliber Home Loans0.06%(3.0)0.70%
Wallick & Volk0.07%(3.0)4.49%
Navy Federal Credit Union0.10%(3.0)2.67%
Fairway Independent Mortgage Corporation0.11%(3.0)8.22%
AmeriFirst Financial0.16%(2.5)2.60%
Academy Mortgage Corporation Utah0.22%(2.5)12.15%
Lender NameRate DifferenceRate RatingMarket Share
Nova Home Loans-0.16%(4.5)17.47%
Community Mortgage Funding-0.15%(4.0)3.43%
AEA Federal Credit Union-0.10%(4.0)7.26%
AmeriFirst Financial-0.04%(3.5)1.67%
Home Point Financial Corporation-0.02%(3.5)0.79%
Guild Mortgage Company-0.02%(3.5)6.08%
Caliber Home Loans-0.01%(3.5)0.59%
Stearns Home Loans0.00%(3.5)0.88%
Navy Federal Credit Union0.01%(3.5)2.36%
Carrington Mortgage Services0.01%(3.5)0.59%
Geneva Financial Home Loans0.01%(3.5)0.59%
PennyMac Loan Services0.03%(3.5)0.59%
Bank of America0.05%(3.0)1.77%
Wallick & Volk0.06%(3.0)4.22%
Quicken Loans0.06%(3.0)17.17%
JPMorgan Chase Bank0.09%(3.0)6.67%
HomeBridge Financial Services0.09%(3.0)0.59%
Fairway Independent Mortgage Corporation0.11%(3.0)2.55%
Wells Fargo Bank0.11%(3.0)9.13%
Academy Mortgage Corporation Utah0.14%(3.0)5.20%
Mr. Cooper0.18%(2.5)1.96%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.18%(4.5)3.24%
Nova Home Loans-0.14%(4.0)22.60%
Navy Federal Credit Union-0.08%(4.0)0.34%
Geneva Financial Home Loans-0.07%(4.0)1.08%
Guild Mortgage Company-0.07%(4.0)13.23%
Stearns Home Loans-0.05%(3.5)2.90%
Bank of America-0.04%(3.5)0.07%
Community Mortgage Funding-0.03%(3.5)0.67%
Caliber Home Loans-0.02%(3.5)1.96%
Wallick & Volk-0.01%(3.5)6.28%
Quicken Loans-0.01%(3.5)4.18%
Mr. Cooper-0.01%(3.5)1.89%
HomeBridge Financial Services-0.00%(3.5)0.74%
Fairway Independent Mortgage Corporation0.01%(3.5)8.43%
Wells Fargo Bank0.02%(3.5)0.07%
JPMorgan Chase Bank0.03%(3.5)0.07%
Carrington Mortgage Services0.04%(3.5)1.62%
PennyMac Loan Services0.04%(3.5)0.61%
AmeriFirst Financial0.08%(3.0)6.82%
Academy Mortgage Corporation Utah0.28%(2.0)10.39%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.22%(4.5)2.92%
Nova Home Loans-0.15%(4.5)24.02%
Navy Federal Credit Union-0.08%(4.0)0.42%
Geneva Financial Home Loans-0.08%(4.0)1.33%
Mr. Cooper-0.07%(4.0)1.08%
Guild Mortgage Company-0.06%(4.0)13.59%
Quicken Loans-0.06%(4.0)1.17%
Stearns Home Loans-0.06%(4.0)3.17%
Bank of America-0.04%(3.5)0.08%
Community Mortgage Funding-0.04%(3.5)0.83%
Wallick & Volk-0.04%(3.5)6.67%
HomeBridge Financial Services-0.03%(3.5)0.25%
Caliber Home Loans-0.01%(3.5)1.33%
PennyMac Loan Services-0.01%(3.5)0.08%
Fairway Independent Mortgage Corporation0.01%(3.5)9.01%
Wells Fargo Bank0.02%(3.5)0.08%
Carrington Mortgage Services0.02%(3.5)0.83%
AmeriFirst Financial0.08%(3.0)7.84%
Academy Mortgage Corporation Utah0.30%(2.0)11.68%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.11%(4.0)11.66%
Nova Home Loans-0.08%(4.0)16.61%
Home Point Financial Corporation-0.07%(4.0)4.59%
Caliber Home Loans-0.02%(3.5)4.59%
Stearns Home Loans-0.00%(3.5)1.77%
Fairway Independent Mortgage Corporation0.00%(3.5)6.01%
Quicken Loans0.02%(3.5)16.96%
HomeBridge Financial Services0.03%(3.5)2.83%
AmeriFirst Financial0.04%(3.5)2.47%
JPMorgan Chase Bank0.05%(3.5)0.35%
PennyMac Loan Services0.07%(3.0)2.83%
Carrington Mortgage Services0.07%(3.0)4.95%
Mr. Cooper0.07%(3.0)5.30%
Academy Mortgage Corporation Utah0.10%(3.0)4.95%
Wallick & Volk0.11%(3.0)4.59%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.00%(3.5)33.33%
JPMorgan Chase Bank0.00%(3.5)66.67%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.00%(3.5)33.33%
JPMorgan Chase Bank0.00%(3.5)66.67%
Insufficient data available.
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.27%(5.0)17.95%
Home Point Financial Corporation-0.03%(3.5)2.99%
Wells Fargo Bank-0.02%(3.5)1.43%
PennyMac Loan Services-0.01%(3.5)2.86%
AEA Federal Credit Union0.00%(3.5)0.52%
Stearns Home Loans0.02%(3.5)0.52%
Guild Mortgage Company0.02%(3.5)11.83%
Geneva Financial Home Loans0.02%(3.5)0.39%
Caliber Home Loans0.02%(3.5)1.69%
Nova Home Loans0.02%(3.5)14.17%
HomeBridge Financial Services0.03%(3.5)1.17%
JPMorgan Chase Bank0.04%(3.5)0.13%
AmeriFirst Financial0.04%(3.5)0.78%
Carrington Mortgage Services0.05%(3.0)1.43%
Wallick & Volk0.06%(3.0)2.47%
Mr. Cooper0.11%(3.0)0.91%
Quicken Loans0.11%(3.0)4.55%
Fairway Independent Mortgage Corporation0.13%(3.0)6.24%
Academy Mortgage Corporation Utah0.17%(2.5)11.44%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.30%(5.0)21.93%
Home Point Financial Corporation-0.03%(3.5)1.67%
Wells Fargo Bank-0.02%(3.5)1.86%
AEA Federal Credit Union0.01%(3.5)0.74%
Mr. Cooper0.02%(3.5)0.19%
PennyMac Loan Services0.02%(3.5)0.56%
Quicken Loans0.02%(3.5)1.30%
Geneva Financial Home Loans0.02%(3.5)0.56%
JPMorgan Chase Bank0.04%(3.5)0.19%
Stearns Home Loans0.05%(3.5)0.19%
AmeriFirst Financial0.05%(3.0)0.74%
Nova Home Loans0.05%(3.0)14.68%
Guild Mortgage Company0.06%(3.0)12.83%
Carrington Mortgage Services0.06%(3.0)0.74%
Wallick & Volk0.07%(3.0)2.04%
Caliber Home Loans0.07%(3.0)0.56%
Fairway Independent Mortgage Corporation0.14%(3.0)8.55%
Academy Mortgage Corporation Utah0.18%(2.5)15.06%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.09%(4.0)9.52%
Navy Federal Credit Union-0.08%(4.0)8.66%
Nova Home Loans-0.05%(4.0)12.99%
Home Point Financial Corporation-0.04%(3.5)6.06%
PennyMac Loan Services-0.02%(3.5)8.23%
Caliber Home Loans0.00%(3.5)4.33%
Stearns Home Loans0.00%(3.5)1.30%
HomeBridge Financial Services0.02%(3.5)3.90%
AmeriFirst Financial0.03%(3.5)0.87%
Fairway Independent Mortgage Corporation0.03%(3.5)0.87%
Wallick & Volk0.04%(3.5)3.46%
Wells Fargo Bank0.04%(3.5)0.43%
Carrington Mortgage Services0.04%(3.5)3.03%
Academy Mortgage Corporation Utah0.08%(3.0)3.03%
Mr. Cooper0.12%(3.0)2.60%
Quicken Loans0.13%(3.0)12.12%

* Data is compiled for the Yuma, AZ commuting zone area, which comprises of counties of Yuma County, AZ, and Imperial County, CA. This includes cities/towns/communities of Yuma, AZ as well as Fortuna Foothills, AZ, El Centro, CA, Imperial, CA, Calexico, CA, Brawley, CA, Somerton, AZ, San Luis, AZ, Heber, CA, Salton Sea Beach, CA, Holtville, CA, Wellton, AZ, Avenue B and C, AZ, Seeley, CA, Salton City, CA, Calipatria, CA, Martinez Lake, AZ, Gadsden, AZ, Tacna, AZ, Wall Lane, AZ, Westmorland, CA, Bombay Beach, CA, Aztec, AZ, and Winterhaven, CA. 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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