Which mortgage lender in the Yuma, 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 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
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.25% | 1.81% | |
| PrimeLending | -0.25% | 4.09% | |
| Navy Federal Credit Union | -0.17% | 4.36% | |
| Home Point Financial Corporation | -0.14% | 1.96% | |
| Community Mortgage Funding | -0.10% | 1.21% | |
| AEA Federal Credit Union | -0.10% | 2.26% | |
| Nova Home Loans | -0.06% | 18.67% | |
| USAA | -0.02% | 1.41% | |
| Geneva Financial Home Loans | -0.02% | 0.87% | |
| Bank of America | -0.01% | 0.70% | |
| Guild Mortgage Company | -0.01% | 12.94% | |
| PennyMac Loan Services | -0.00% | 0.87% | |
| Caliber Home Loans | 0.01% | 1.23% | |
| Wells Fargo Bank | 0.01% | 3.64% | |
| JPMorgan Chase Bank | 0.02% | 2.26% | |
| HomeBridge Financial Services | 0.03% | 0.72% | |
| Wallick & Volk | 0.03% | 4.66% | |
| Quicken Loans | 0.04% | 6.96% | |
| Carrington Mortgage Services | 0.04% | 0.94% | |
| Benchmark | 0.05% | 1.51% | |
| loanDepot | 0.07% | 5.62% | |
| Fairway Independent Mortgage Corporation | 0.08% | 6.73% | |
| Mr. Cooper | 0.08% | 1.17% | |
| AmeriFirst Financial | 0.09% | 3.43% | |
| Academy Mortgage Corporation Utah | 0.22% | 9.96% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.32% | 2.15% | |
| PrimeLending | -0.29% | 5.40% | |
| Navy Federal Credit Union | -0.21% | 5.09% | |
| Home Point Financial Corporation | -0.20% | 1.80% | |
| Wells Fargo Bank | -0.11% | 2.43% | |
| JPMorgan Chase Bank | -0.09% | 1.17% | |
| Bank of America | -0.09% | 0.47% | |
| AEA Federal Credit Union | -0.09% | 1.01% | |
| Mr. Cooper | -0.06% | 0.44% | |
| Nova Home Loans | -0.04% | 19.66% | |
| Quicken Loans | -0.02% | 2.40% | |
| Geneva Financial Home Loans | -0.02% | 1.11% | |
| USAA | -0.02% | 1.49% | |
| Community Mortgage Funding | -0.02% | 0.70% | |
| PennyMac Loan Services | -0.01% | 0.25% | |
| Guild Mortgage Company | 0.00% | 15.52% | |
| Wallick & Volk | 0.02% | 4.90% | |
| Caliber Home Loans | 0.03% | 0.92% | |
| HomeBridge Financial Services | 0.03% | 0.35% | |
| Carrington Mortgage Services | 0.04% | 0.54% | |
| Benchmark | 0.05% | 1.99% | |
| Fairway Independent Mortgage Corporation | 0.08% | 8.57% | |
| AmeriFirst Financial | 0.11% | 4.27% | |
| loanDepot | 0.15% | 4.93% | |
| Academy Mortgage Corporation Utah | 0.24% | 12.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Community Mortgage Funding | -0.15% | 2.28% | |
| Nova Home Loans | -0.13% | 16.63% | |
| AEA Federal Credit Union | -0.10% | 4.83% | |
| Guild Mortgage Company | -0.06% | 7.63% | |
| Home Point Financial Corporation | -0.05% | 2.28% | |
| Navy Federal Credit Union | -0.03% | 2.87% | |
| loanDepot | -0.03% | 7.05% | |
| USAA | -0.02% | 1.24% | |
| AmeriFirst Financial | -0.01% | 1.70% | |
| Caliber Home Loans | -0.01% | 1.89% | |
| Stearns Home Loans | 0.00% | 1.11% | |
| PennyMac Loan Services | 0.01% | 2.15% | |
| Geneva Financial Home Loans | 0.01% | 0.39% | |
| Benchmark | 0.02% | 0.52% | |
| HomeBridge Financial Services | 0.04% | 1.50% | |
| Carrington Mortgage Services | 0.05% | 1.76% | |
| Bank of America | 0.05% | 1.17% | |
| Quicken Loans | 0.06% | 16.37% | |
| Wallick & Volk | 0.07% | 4.17% | |
| Fairway Independent Mortgage Corporation | 0.07% | 2.94% | |
| JPMorgan Chase Bank | 0.09% | 4.50% | |
| Wells Fargo Bank | 0.11% | 6.13% | |
| PrimeLending | 0.12% | 1.37% | |
| Academy Mortgage Corporation Utah | 0.12% | 4.83% | |
| Mr. Cooper | 0.13% | 2.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.53% | 1.56% | |
| PrimeLending | -0.49% | 4.54% | |
| Home Point Financial Corporation | -0.18% | 0.86% | |
| Community Mortgage Funding | -0.11% | 1.92% | |
| AEA Federal Credit Union | -0.10% | 4.18% | |
| USAA | -0.05% | 0.45% | |
| Nova Home Loans | -0.03% | 17.72% | |
| Bank of America | -0.01% | 1.27% | |
| Wells Fargo Bank | 0.01% | 6.51% | |
| Carrington Mortgage Services | 0.02% | 0.37% | |
| Guild Mortgage Company | 0.02% | 13.14% | |
| PennyMac Loan Services | 0.02% | 0.41% | |
| Benchmark | 0.02% | 1.15% | |
| Geneva Financial Home Loans | 0.02% | 0.90% | |
| JPMorgan Chase Bank | 0.02% | 4.18% | |
| loanDepot | 0.03% | 5.16% | |
| Caliber Home Loans | 0.04% | 0.65% | |
| Quicken Loans | 0.04% | 9.41% | |
| Wallick & Volk | 0.07% | 4.38% | |
| Navy Federal Credit Union | 0.07% | 2.54% | |
| HomeBridge Financial Services | 0.07% | 0.57% | |
| AmeriFirst Financial | 0.10% | 2.21% | |
| Fairway Independent Mortgage Corporation | 0.11% | 5.85% | |
| Mr. Cooper | 0.18% | 0.82% | |
| Academy Mortgage Corporation Utah | 0.20% | 9.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.69% | 2.04% | |
| PrimeLending | -0.59% | 6.74% | |
| Home Point Financial Corporation | -0.28% | 0.91% | |
| Wells Fargo Bank | -0.12% | 4.63% | |
| Bank of America | -0.10% | 0.91% | |
| JPMorgan Chase Bank | -0.09% | 2.39% | |
| AEA Federal Credit Union | -0.09% | 1.97% | |
| USAA | -0.07% | 0.56% | |
| Quicken Loans | -0.02% | 3.86% | |
| PennyMac Loan Services | -0.01% | 0.28% | |
| Community Mortgage Funding | -0.00% | 0.84% | |
| Benchmark | 0.01% | 1.69% | |
| Geneva Financial Home Loans | 0.02% | 1.12% | |
| Guild Mortgage Company | 0.02% | 18.19% | |
| Carrington Mortgage Services | 0.03% | 0.21% | |
| HomeBridge Financial Services | 0.05% | 0.56% | |
| Nova Home Loans | 0.06% | 17.91% | |
| Caliber Home Loans | 0.06% | 0.70% | |
| Wallick & Volk | 0.07% | 4.49% | |
| Navy Federal Credit Union | 0.10% | 2.67% | |
| Fairway Independent Mortgage Corporation | 0.11% | 8.22% | |
| loanDepot | 0.13% | 4.35% | |
| AmeriFirst Financial | 0.16% | 2.60% | |
| Academy Mortgage Corporation Utah | 0.22% | 12.15% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Nova Home Loans | -0.16% | 17.47% | |
| Community Mortgage Funding | -0.15% | 3.43% | |
| AEA Federal Credit Union | -0.10% | 7.26% | |
| loanDepot | -0.07% | 6.28% | |
| AmeriFirst Financial | -0.04% | 1.67% | |
| Home Point Financial Corporation | -0.02% | 0.79% | |
| Guild Mortgage Company | -0.02% | 6.08% | |
| Caliber Home Loans | -0.01% | 0.59% | |
| Stearns Home Loans | 0.00% | 0.88% | |
| USAA | 0.00% | 0.29% | |
| Navy Federal Credit Union | 0.01% | 2.36% | |
| Carrington Mortgage Services | 0.01% | 0.59% | |
| Geneva Financial Home Loans | 0.01% | 0.59% | |
| Benchmark | 0.03% | 0.39% | |
| PennyMac Loan Services | 0.03% | 0.59% | |
| Bank of America | 0.05% | 1.77% | |
| Wallick & Volk | 0.06% | 4.22% | |
| Quicken Loans | 0.06% | 17.17% | |
| JPMorgan Chase Bank | 0.09% | 6.67% | |
| HomeBridge Financial Services | 0.09% | 0.59% | |
| Fairway Independent Mortgage Corporation | 0.11% | 2.55% | |
| Wells Fargo Bank | 0.11% | 9.13% | |
| Academy Mortgage Corporation Utah | 0.14% | 5.20% | |
| PrimeLending | 0.15% | 1.47% | |
| Mr. Cooper | 0.18% | 1.96% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Home Point Financial Corporation | -0.18% | 3.24% | |
| Nova Home Loans | -0.14% | 22.60% | |
| Navy Federal Credit Union | -0.08% | 0.34% | |
| Geneva Financial Home Loans | -0.07% | 1.08% | |
| Guild Mortgage Company | -0.07% | 13.23% | |
| Stearns Home Loans | -0.05% | 2.90% | |
| Bank of America | -0.04% | 0.07% | |
| Community Mortgage Funding | -0.03% | 0.67% | |
| Caliber Home Loans | -0.02% | 1.96% | |
| Wallick & Volk | -0.01% | 6.28% | |
| Quicken Loans | -0.01% | 4.18% | |
| Mr. Cooper | -0.01% | 1.89% | |
| HomeBridge Financial Services | -0.00% | 0.74% | |
| Fairway Independent Mortgage Corporation | 0.01% | 8.43% | |
| Wells Fargo Bank | 0.02% | 0.07% | |
| JPMorgan Chase Bank | 0.03% | 0.07% | |
| Carrington Mortgage Services | 0.04% | 1.62% | |
| PennyMac Loan Services | 0.04% | 0.61% | |
| Benchmark | 0.07% | 2.23% | |
| PrimeLending | 0.08% | 3.91% | |
| AmeriFirst Financial | 0.08% | 6.82% | |
| loanDepot | 0.14% | 6.68% | |
| Academy Mortgage Corporation Utah | 0.28% | 10.39% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Home Point Financial Corporation | -0.22% | 2.92% | |
| Nova Home Loans | -0.15% | 24.02% | |
| Navy Federal Credit Union | -0.08% | 0.42% | |
| Geneva Financial Home Loans | -0.08% | 1.33% | |
| Mr. Cooper | -0.07% | 1.08% | |
| Guild Mortgage Company | -0.06% | 13.59% | |
| Quicken Loans | -0.06% | 1.17% | |
| Stearns Home Loans | -0.06% | 3.17% | |
| Bank of America | -0.04% | 0.08% | |
| Community Mortgage Funding | -0.04% | 0.83% | |
| Wallick & Volk | -0.04% | 6.67% | |
| HomeBridge Financial Services | -0.03% | 0.25% | |
| Caliber Home Loans | -0.01% | 1.33% | |
| PennyMac Loan Services | -0.01% | 0.08% | |
| Fairway Independent Mortgage Corporation | 0.01% | 9.01% | |
| Wells Fargo Bank | 0.02% | 0.08% | |
| Carrington Mortgage Services | 0.02% | 0.83% | |
| Benchmark | 0.08% | 2.50% | |
| PrimeLending | 0.08% | 4.50% | |
| AmeriFirst Financial | 0.08% | 7.84% | |
| loanDepot | 0.16% | 6.59% | |
| Academy Mortgage Corporation Utah | 0.30% | 11.68% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.11% | 11.66% | |
| Nova Home Loans | -0.08% | 16.61% | |
| Home Point Financial Corporation | -0.07% | 4.59% | |
| Caliber Home Loans | -0.02% | 4.59% | |
| Stearns Home Loans | -0.00% | 1.77% | |
| Fairway Independent Mortgage Corporation | 0.00% | 6.01% | |
| Benchmark | 0.01% | 1.06% | |
| Quicken Loans | 0.02% | 16.96% | |
| HomeBridge Financial Services | 0.03% | 2.83% | |
| AmeriFirst Financial | 0.04% | 2.47% | |
| JPMorgan Chase Bank | 0.05% | 0.35% | |
| loanDepot | 0.05% | 7.07% | |
| PennyMac Loan Services | 0.07% | 2.83% | |
| Carrington Mortgage Services | 0.07% | 4.95% | |
| Mr. Cooper | 0.07% | 5.30% | |
| PrimeLending | 0.08% | 1.41% | |
| Academy Mortgage Corporation Utah | 0.10% | 4.95% | |
| Wallick & Volk | 0.11% | 4.59% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of America | -0.00% | 33.33% | |
| JPMorgan Chase Bank | 0.00% | 66.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of America | -0.00% | 33.33% | |
| JPMorgan Chase Bank | 0.00% | 66.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.27% | 17.95% | |
| Home Point Financial Corporation | -0.03% | 2.99% | |
| Wells Fargo Bank | -0.02% | 1.43% | |
| PennyMac Loan Services | -0.01% | 2.86% | |
| USAA | 0.00% | 7.15% | |
| AEA Federal Credit Union | 0.00% | 0.52% | |
| Stearns Home Loans | 0.02% | 0.52% | |
| Guild Mortgage Company | 0.02% | 11.83% | |
| Geneva Financial Home Loans | 0.02% | 0.39% | |
| Caliber Home Loans | 0.02% | 1.69% | |
| Nova Home Loans | 0.02% | 14.17% | |
| HomeBridge Financial Services | 0.03% | 1.17% | |
| JPMorgan Chase Bank | 0.04% | 0.13% | |
| Benchmark | 0.04% | 1.30% | |
| AmeriFirst Financial | 0.04% | 0.78% | |
| Carrington Mortgage Services | 0.05% | 1.43% | |
| Wallick & Volk | 0.06% | 2.47% | |
| loanDepot | 0.06% | 5.07% | |
| PrimeLending | 0.10% | 2.99% | |
| Mr. Cooper | 0.11% | 0.91% | |
| Quicken Loans | 0.11% | 4.55% | |
| Fairway Independent Mortgage Corporation | 0.13% | 6.24% | |
| Academy Mortgage Corporation Utah | 0.17% | 11.44% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.30% | 21.93% | |
| Home Point Financial Corporation | -0.03% | 1.67% | |
| Wells Fargo Bank | -0.02% | 1.86% | |
| AEA Federal Credit Union | 0.01% | 0.74% | |
| USAA | 0.01% | 7.25% | |
| Mr. Cooper | 0.02% | 0.19% | |
| PennyMac Loan Services | 0.02% | 0.56% | |
| Quicken Loans | 0.02% | 1.30% | |
| Geneva Financial Home Loans | 0.02% | 0.56% | |
| JPMorgan Chase Bank | 0.04% | 0.19% | |
| Stearns Home Loans | 0.05% | 0.19% | |
| Benchmark | 0.05% | 1.67% | |
| AmeriFirst Financial | 0.05% | 0.74% | |
| Nova Home Loans | 0.05% | 14.68% | |
| Guild Mortgage Company | 0.06% | 12.83% | |
| Carrington Mortgage Services | 0.06% | 0.74% | |
| Wallick & Volk | 0.07% | 2.04% | |
| Caliber Home Loans | 0.07% | 0.56% | |
| PrimeLending | 0.11% | 3.90% | |
| loanDepot | 0.11% | 2.79% | |
| Fairway Independent Mortgage Corporation | 0.14% | 8.55% | |
| Academy Mortgage Corporation Utah | 0.18% | 15.06% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.09% | 9.52% | |
| Navy Federal Credit Union | -0.08% | 8.66% | |
| Nova Home Loans | -0.05% | 12.99% | |
| Home Point Financial Corporation | -0.04% | 6.06% | |
| USAA | -0.02% | 6.93% | |
| PennyMac Loan Services | -0.02% | 8.23% | |
| Caliber Home Loans | 0.00% | 4.33% | |
| Stearns Home Loans | 0.00% | 1.30% | |
| PrimeLending | 0.01% | 0.87% | |
| loanDepot | 0.02% | 10.39% | |
| HomeBridge Financial Services | 0.02% | 3.90% | |
| AmeriFirst Financial | 0.03% | 0.87% | |
| Fairway Independent Mortgage Corporation | 0.03% | 0.87% | |
| Benchmark | 0.03% | 0.43% | |
| Wallick & Volk | 0.04% | 3.46% | |
| Wells Fargo Bank | 0.04% | 0.43% | |
| Carrington Mortgage Services | 0.04% | 3.03% | |
| Academy Mortgage Corporation Utah | 0.08% | 3.03% | |
| Mr. Cooper | 0.12% | 2.60% | |
| Quicken Loans | 0.13% | 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
This page contains information about the top mortgage lenders in the Yuma, AZ area. For mortgage lender rankings in other cities, click here.