🛡️

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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,162	-0.543%	671
2	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,738	-0.098%	527
3	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$358	-0.012%	749
4	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,759	-0.059%	539
5	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,533	-0.400%	3,134
6	JPMorgan Chase Bank, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,562	+0.190%	1,795
7	VELOCIO MORTGAGE L.L.C.	Exceptional	Strong	Strong	Sound	Exceptional	$1,883	-1.034%	1,242
8	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,224	+0.107%	821
9	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,154	+0.132%	13,305
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,112	+0.188%	7,545
11	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,382	+0.448%	2,318
12	ALTITUDE FINANCIAL CORPORATION	Strong	Sound	Strong	Strong	Exceptional	$1,878	+0.290%	881
13	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,641	+0.099%	391
14	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$3,555	+0.284%	387
15	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$2,694	+0.296%	311
16	BMO Bank National Association	Strong	Strong	Strong	Sound	Strong	$1,227	+0.150%	308
17	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,454	+0.283%	254
18	Zions Bancorporation, N.A.	Strong	Strong	Strong	Sound	Strong	$1,593	+0.132%	224
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,960	+0.478%	3,456
20	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,761	+0.489%	3,251
21	NOVA FINANCIAL & INVESTMENT CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,299	+0.363%	2,769
22	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,451	+0.478%	2,267
23	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,503	+0.294%	1,080
24	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,061	+0.028%	942
25	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,252	+0.220%	902
26	MATTAMY HOME FUNDING, LLC	Strong	Sound	Strong	Strong	Strong	$880	+0.450%	582
27	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,228	+0.264%	519
28	SUN AMERICAN MORTGAGE COMPANY	Strong	Sound	Strong	Strong	Strong	$2,208	+0.234%	255
29	TRUWEST Credit Union	Strong	Strong	Sound	Sound	Strong	$2,521	-0.151%	208
30	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,267	+0.126%	942
31	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,894	+0.180%	881
32	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,926	+0.398%	830
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,741	+0.227%	830
34	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,963	+0.334%	823
35	Bell Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,340	+0.374%	735
36	HOMEOWNERS FINANCIAL GROUP USA, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$3,219	+0.371%	663
37	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,906	+0.423%	644
38	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,641	+0.189%	635
39	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,554	+0.275%	618
40	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,432	+0.305%	588
41	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,206	+0.697%	386
42	GoodLeap, LLC	Strong	Sound	Strong	Sound	Strong	$5,022	-0.085%	287
43	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,800	+0.401%	247
44	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,337	+0.339%	246
45	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,783	+0.346%	241
46	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,817	+0.176%	210
47	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,760	+0.536%	854
48	INSPIRE HOME LOANS INC.	Strong	Acceptable	Strong	Strong	Strong	$521	+0.498%	707
49	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,329	+0.291%	597
50	Sunflower Bank, National Association	Strong	Acceptable	Strong	Strong	Strong	$2,803	+0.259%	222

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 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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

ArizonaConventional

No credit impact

3-minute process

100% free