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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Arizona
Updated February 6, 2026
Market Overview
320
Total Lenders
98,404
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $1,883 | -1.034% | 1,242 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,162 | -0.543% | 671 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,738 | -0.098% | 527 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,154 | +0.132% | 13,305 | |
5 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Exceptional | Exceptional | $1,878 | +0.290% | 881 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $358 | -0.012% | 749 | |
7 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $880 | +0.450% | 582 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,759 | -0.059% | 539 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,533 | -0.400% | 3,134 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,562 | +0.190% | 1,795 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,224 | +0.107% | 821 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,694 | +0.296% | 311 | |
13 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $1,593 | +0.132% | 224 | |
14 | TRUWEST Credit Union | Strong | Strong | Sound | Strong | $2,521 | -0.151% | 208 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,112 | +0.188% | 7,545 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,960 | +0.478% | 3,456 | |
17 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,299 | +0.363% | 2,769 | |
18 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,382 | +0.448% | 2,318 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,451 | +0.478% | 2,267 | |
20 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,723 | -0.709% | 1,023 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,267 | +0.126% | 942 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,061 | +0.028% | 942 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,741 | +0.227% | 830 | |
24 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $521 | +0.498% | 707 | |
25 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,555 | +0.284% | 387 | |
26 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | $2,208 | +0.234% | 255 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,761 | +0.489% | 3,251 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | $2,503 | +0.294% | 1,080 | |
29 | Plains Commerce Bank | Strong | Acceptable | Strong | Exceptional | $3,252 | +0.220% | 902 | |
30 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,894 | +0.180% | 881 | |
31 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $3,340 | +0.374% | 735 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,906 | +0.423% | 644 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,432 | +0.305% | 588 | |
34 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,228 | +0.264% | 519 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,641 | +0.099% | 391 | |
36 | BMO Bank National Association | Strong | Sound | Sound | Strong | $1,227 | +0.150% | 308 | |
37 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,198 | -0.050% | 293 | |
38 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $5,022 | -0.085% | 287 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,337 | +0.339% | 246 | |
40 | VANTAGE WEST | Strong | Sound | Sound | Strong | $1,553 | -0.098% | 216 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,453 | +0.556% | 1,004 | |
42 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,926 | +0.398% | 830 | |
43 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,963 | +0.334% | 823 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,045 | +0.332% | 673 | |
45 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,641 | +0.189% | 635 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,554 | +0.275% | 618 | |
47 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,575 | +0.351% | 422 | |
48 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,692 | +0.876% | 400 | |
49 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,206 | +0.697% | 386 | |
50 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,707 | +0.175% | 282 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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