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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,883 | -1.034% | 1,242 | |
2 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $880 | +0.450% | 582 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,154 | +0.132% | 13,305 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,267 | +0.126% | 942 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,641 | +0.189% | 635 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,694 | +0.296% | 311 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,533 | -0.400% | 3,134 | |
8 | NOVA FINANCIAL & INVESTMENT CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,299 | +0.363% | 2,769 | |
9 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,503 | +0.294% | 1,080 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,061 | +0.028% | 942 | |
11 | Plains Commerce Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,252 | +0.220% | 902 | |
12 | ALTITUDE FINANCIAL CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,878 | +0.290% | 881 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $358 | -0.012% | 749 | |
14 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $5,022 | -0.085% | 287 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,112 | +0.188% | 7,545 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,960 | +0.478% | 3,456 | |
17 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,382 | +0.448% | 2,318 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,723 | -0.709% | 1,023 | |
19 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,963 | +0.334% | 823 | |
20 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $521 | +0.498% | 707 | |
21 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,435 | +0.510% | 667 | |
22 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,800 | +0.401% | 247 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451 | +0.478% | 2,267 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,562 | +0.190% | 1,795 | |
25 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,219 | +0.371% | 663 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,329 | +0.291% | 597 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,432 | +0.305% | 588 | |
28 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,228 | +0.264% | 519 | |
29 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Strong | $2,208 | +0.234% | 255 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,337 | +0.339% | 246 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,319 | +0.634% | 1,160 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.180% | 881 | |
33 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,926 | +0.398% | 830 | |
34 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,741 | +0.227% | 830 | |
35 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,224 | +0.107% | 821 | |
36 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,340 | +0.374% | 735 | |
37 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,045 | +0.332% | 673 | |
38 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,906 | +0.423% | 644 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,575 | +0.351% | 422 | |
40 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,692 | +0.876% | 400 | |
41 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,555 | +0.284% | 387 | |
42 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,206 | +0.697% | 386 | |
43 | BMO Bank National Association | Strong | Sound | Strong | Sound | Strong | $1,227 | +0.150% | 308 | |
44 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,707 | +0.175% | 282 | |
45 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,454 | +0.283% | 254 | |
46 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,674 | +0.506% | 241 | |
47 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,783 | +0.346% | 241 | |
48 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,803 | +0.259% | 222 | |
49 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,817 | +0.176% | 210 | |
50 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,576 | -0.076% | 237 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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