Top Mortgage Lenders in Pinetop-Lakeside, AZ

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, we provide a data driven ranking of mortgage lenders in the Pinetop-Lakeside, AZ area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Pinetop-Lakeside, AZ area is NOVA Financial & Investment Corporation dba: Nova Home Loans, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.06%. This means that NOVA Financial & Investment Corporation dba: Nova Home Loans provided a -0.06% lower interest rate for its customers than other lenders in Pinetop-Lakeside, AZ for a similar set of borrowers. NOVA Financial & Investment Corporation dba: Nova Home Loans has a market share of 4.1%. On the other hand, the most popular lender in the market is Guild Mortgage Company, with a market share of 24.9%. Guild Mortgage Company is also a relatively cheap lender, with a “Rate Difference” of -0.04% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, the cheapest lender for Conventional mortgages in Pinetop-Lakeside, AZ is NOVA Financial & Investment Corporation dba: Nova Home Loans. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), 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. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Pinetop-Lakeside, AZ

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
NOVA Financial & Investment Corporation dba: Nova Home Loans 1, -0.06% 4.14%
Wells Fargo Bank 2, -0.06% 6.06%
Guild Mortgage Company 3, -0.04% 24.89%
LoanDepot 4, -0.04% 6.35%
Usaa Federal Savings Bank 5, -0.03% 2.51%
JPMorgan Chase Bank 6, -0.03% 6.13%
Quicken Loans 7, 0.01% 16.69%
American Financial Resources Inc 8, 0.01% 3.03%
Fairway Independent Mort Corp 9, 0.01% 6.35%
VIP Mortgage Inc 10, 0.03% 2.81%
American Pacific Mortgage Corporation 11, 0.07% 3.10%
Amerifirst Financial Inc 12, 0.09% 12.85%
Peoples Mortgage Company 13, 0.11% 5.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.11% 6.14%
NOVA Financial & Investment Corporation dba: Nova Home Loans 2, -0.07% 4.87%
JPMorgan Chase Bank 3, -0.06% 5.10%
Usaa Federal Savings Bank 4, -0.05% 3.01%
Guild Mortgage Company 5, -0.04% 25.84%
Quicken Loans 6, -0.03% 10.89%
LoanDepot 7, -0.02% 3.48%
American Financial Resources Inc 8, 0.00% 3.24%
Fairway Independent Mort Corp 9, 0.01% 8.11%
VIP Mortgage Inc 10, 0.03% 2.67%
American Pacific Mortgage Corporation 11, 0.07% 4.40%
Amerifirst Financial Inc 12, 0.10% 16.34%
Peoples Mortgage Company 13, 0.12% 5.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.05% 23.22%
LoanDepot 2, -0.04% 11.41%
NOVA Financial & Investment Corporation dba: Nova Home Loans 3, -0.03% 2.85%
Fairway Independent Mort Corp 4, -0.01% 3.26%
JPMorgan Chase Bank 5, 0.00% 7.94%
Usaa Federal Savings Bank 6, 0.00% 1.63%
Amerifirst Financial Inc 7, 0.01% 6.72%
American Pacific Mortgage Corporation 8, 0.01% 0.81%
VIP Mortgage Inc 9, 0.01% 3.05%
American Financial Resources Inc 10, 0.02% 2.65%
Quicken Loans 11, 0.04% 26.88%
Wells Fargo Bank 12, 0.04% 5.91%
Peoples Mortgage Company 13, 0.08% 3.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
NOVA Financial & Investment Corporation dba: Nova Home Loans 1, -0.07% 4.24%
LoanDepot 2, -0.06% 5.79%
Wells Fargo Bank 3, -0.06% 7.45%
Usaa Federal Savings Bank 4, -0.06% 1.45%
Guild Mortgage Company 5, -0.04% 24.20%
JPMorgan Chase Bank 6, -0.04% 8.17%
Quicken Loans 7, 0.01% 17.27%
Fairway Independent Mort Corp 8, 0.01% 6.93%
American Financial Resources Inc 9, 0.01% 1.14%
VIP Mortgage Inc 10, 0.02% 3.31%
American Pacific Mortgage Corporation 11, 0.09% 2.17%
Amerifirst Financial Inc 12, 0.11% 11.58%
Peoples Mortgage Company 13, 0.12% 6.31%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.13% 7.26%
NOVA Financial & Investment Corporation dba: Nova Home Loans 2, -0.08% 4.62%
Usaa Federal Savings Bank 3, -0.08% 1.82%
JPMorgan Chase Bank 4, -0.07% 6.60%
LoanDepot 5, -0.05% 3.14%
Guild Mortgage Company 6, -0.04% 26.24%
Quicken Loans 7, -0.03% 12.05%
Fairway Independent Mort Corp 8, 0.01% 8.91%
American Financial Resources Inc 9, 0.03% 0.99%
VIP Mortgage Inc 10, 0.03% 3.30%
American Pacific Mortgage Corporation 11, 0.09% 3.30%
Peoples Mortgage Company 12, 0.12% 7.43%
Amerifirst Financial Inc 13, 0.14% 14.36%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.06% 10.25%
Guild Mortgage Company 2, -0.05% 20.78%
NOVA Financial & Investment Corporation dba: Nova Home Loans 3, -0.04% 3.60%
Fairway Independent Mort Corp 4, -0.02% 3.60%
American Financial Resources Inc 5, -0.01% 1.39%
JPMorgan Chase Bank 6, -0.00% 10.80%
Amerifirst Financial Inc 7, 0.01% 6.93%
Usaa Federal Savings Bank 8, 0.01% 0.83%
VIP Mortgage Inc 9, 0.01% 3.32%
American Pacific Mortgage Corporation 10, 0.02% 0.28%
Quicken Loans 11, 0.04% 26.04%
Wells Fargo Bank 12, 0.04% 7.76%
Peoples Mortgage Company 13, 0.09% 4.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.07% 27.69%
NOVA Financial & Investment Corporation dba: Nova Home Loans 2, -0.05% 4.62%
American Financial Resources Inc 3, -0.00% 9.74%
Quicken Loans 4, 0.01% 18.97%
Wells Fargo Bank 5, 0.01% 0.51%
Fairway Independent Mort Corp 6, 0.03% 5.13%
VIP Mortgage Inc 7, 0.03% 2.05%
Peoples Mortgage Company 8, 0.04% 2.05%
LoanDepot 9, 0.06% 5.13%
American Pacific Mortgage Corporation 10, 0.06% 6.67%
Amerifirst Financial Inc 11, 0.06% 17.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.08% 27.46%
NOVA Financial & Investment Corporation dba: Nova Home Loans 2, -0.05% 5.63%
Quicken Loans 3, -0.01% 9.15%
American Financial Resources Inc 4, -0.00% 11.27%
Wells Fargo Bank 5, 0.01% 0.70%
Fairway Independent Mort Corp 6, 0.03% 7.04%
VIP Mortgage Inc 7, 0.04% 2.11%
Peoples Mortgage Company 8, 0.04% 2.11%
American Pacific Mortgage Corporation 9, 0.06% 9.15%
LoanDepot 10, 0.06% 3.52%
Amerifirst Financial Inc 11, 0.07% 21.83%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.06% 28.30%
American Financial Resources Inc 2, -0.01% 5.66%
NOVA Financial & Investment Corporation dba: Nova Home Loans 3, -0.00% 1.89%
Quicken Loans 4, 0.02% 45.28%
Peoples Mortgage Company 5, 0.03% 1.89%
VIP Mortgage Inc 6, 0.03% 1.89%
Amerifirst Financial Inc 7, 0.03% 5.66%
LoanDepot 8, 0.05% 9.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 50.00%
JPMorgan Chase Bank 2, 0.02% 33.33%
Amerifirst Financial Inc 3, 0.02% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 50.00%
JPMorgan Chase Bank 2, 0.02% 33.33%
Amerifirst Financial Inc 3, 0.02% 16.67%
Insufficient data available.
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.03% 3.23%
Guild Mortgage Company 2, -0.02% 26.34%
Usaa Federal Savings Bank 3, -0.02% 10.75%
VIP Mortgage Inc 4, -0.01% 1.08%
NOVA Financial & Investment Corporation dba: Nova Home Loans 5, -0.01% 3.23%
LoanDepot 6, -0.01% 10.75%
JPMorgan Chase Bank 7, -0.00% 1.08%
Fairway Independent Mort Corp 8, 0.00% 4.84%
Quicken Loans 9, 0.01% 11.83%
Amerifirst Financial Inc 10, 0.02% 14.52%
American Pacific Mortgage Corporation 11, 0.03% 4.30%
Peoples Mortgage Company 12, 0.04% 2.15%
American Financial Resources Inc 13, 0.05% 5.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.04% 4.59%
Usaa Federal Savings Bank 2, -0.03% 13.76%
NOVA Financial & Investment Corporation dba: Nova Home Loans 3, -0.02% 5.50%
Guild Mortgage Company 4, -0.01% 22.94%
Fairway Independent Mort Corp 5, -0.01% 5.50%
JPMorgan Chase Bank 6, -0.01% 1.83%
Quicken Loans 7, -0.01% 7.34%
LoanDepot 8, 0.01% 5.50%
Amerifirst Financial Inc 9, 0.02% 20.18%
American Pacific Mortgage Corporation 10, 0.04% 4.59%
Peoples Mortgage Company 11, 0.04% 2.75%
American Financial Resources Inc 12, 0.04% 5.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.03% 31.17%
LoanDepot 2, -0.01% 18.18%
Amerifirst Financial Inc 3, -0.01% 6.49%
VIP Mortgage Inc 4, 0.00% 2.60%
Usaa Federal Savings Bank 5, 0.00% 6.49%
American Pacific Mortgage Corporation 6, 0.01% 3.90%
Peoples Mortgage Company 7, 0.01% 1.30%
Wells Fargo Bank 8, 0.02% 1.30%
Fairway Independent Mort Corp 9, 0.02% 3.90%
Quicken Loans 10, 0.02% 18.18%
American Financial Resources Inc 11, 0.07% 6.49%

* 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 for the data comes from 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 based on the MSA, 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.

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