Safe Rate Rankings

Best Conventional Mortgage Lenders in Tucson

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders95

Total Loans12,845

Median Rate Spread0.25%

Tucson Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Tucson, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Tucson, Navy Federal Credit Union and Us Bank National Association scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Tucson, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Tucson: Rocket Mortgage (#2) and Nova Financial Investment (#4).

Explore Rankings by Type

Overall Rankings

All lenders in Tucson

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,804Fees	0.062%Above	732
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,280Fees	0.215%Above	772
3	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,139Fees	0.482%Below	96
4	NOVA FINANCIAL & INVESTMENT CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,694Fees	0.301%Above	1,064
5	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,172Fees	0.566%Below	721
6	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,556Fees	0.185%Above	306
7	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$341Fees	0.008%Below	77
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,375Fees	0.416%Above	604
9	ALTITUDE FINANCIAL CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$1,792Fees	0.291%Above	571
10	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,206Fees	0.531%Above	506
11	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,405Fees	0.419%Above	941
12	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$2,129Fees	0.007%Below	42
13	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,658Fees	0.179%Above	433
14	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,470Fees	0.492%Above	395
15	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,437Fees	0.216%Above	126
16	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,954Fees	0.337%Above	192
17	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,305Fees	0.523%Above	127
18	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$1,281Fees	0.177%Below	30
19	PIMA Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Sound	Exceptional	$1,533Fees	0.098%Above	135
20	MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$8,531Fees	0.338%Above	178
21	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,985Fees	0.262%Above	130
22	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,135Fees	0.382%Above	90
23	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$4,016Fees	0.586%Above	293
24	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,387Fees	0.071%Above	36
25	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Strong	Sound	Sound	$1,150Fees	0.341%Above	51
26	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,461Fees	0.085%Below	88
27	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,092Fees	0.179%Above	27
28	MORIA DEVELOPMENT, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Strong	Exceptional	$4,304Fees	0.458%Above	242
29	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,607Fees	0.233%Above	68
30	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,839Fees	0.278%Above	67
31	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$2,740Fees	0.118%Above	33
32	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$1,959Fees	0.011%Above	27
33	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$2,603Fees	0.348%Above	167
34	VANTAGE WEST Credit UnionDirect	Strong	Sound	Sound	Sound	Exceptional	$1,567Fees	0.079%Below	166
35	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Sound	$2,524Fees	0.251%Above	48
36	BMO Bank National Association BankDirect	Strong	Strong	Strong	Sound	Sound	$789Fees	0.157%Above	35
37	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$3,886Fees	0.680%Above	88
38	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,708Fees	0.468%Above	27
39	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Strong	$2,987Fees	0.251%Above	116
40	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$2,847Fees	0.785%Above	45
41	GoodLeap, LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	Sound	$5,271Fees	0.101%Above	50
42	SUMMIT FUNDING, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$3,940Fees	0.853%Above	46
43	GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$5,212Fees	0.753%Above	39
44	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,024Fees	0.328%Above	31
45	OneAZ Credit Union Credit UnionDirect	Sound	Acceptable	Strong	Sound	Sound	$1,682Fees	0.206%Above	37
46	USAA Federal Savings Bank BankDirect	Sound	Sound	Strong	Acceptable	Strong	$2,139Fees	0.064%Below	68
47	RIGHT START MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$6,672Fees	0.345%Above	34
48	AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Acceptable	Mediocre	Strong	Acceptable	Sound	$6,305Fees	0.583%Above	29

❓ Frequently Asked Questions

How are mortgage lenders ranked in Tucson, AZ?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Tucson, AZ), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Tucson, AZ?+

Based on 2024 HMDA data, 95 lenders originated a combined 12,845 loans in Tucson, AZ. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Tucson, AZ?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Tucson, AZ is 0.25%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Tucson, AZ's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.