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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 Jumbo 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 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,224 | +0.107% | 821 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $358 | -0.012% | 749 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,759 | -0.059% | 539 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,162 | -0.543% | 671 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,741 | +0.227% | 830 | |
6 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,227 | +0.150% | 308 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,154 | +0.132% | 13,305 | |
8 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,112 | +0.188% | 7,545 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,562 | +0.190% | 1,795 | |
10 | Nations Lending Corporation | Exceptional | Strong | Strong | Strong | Strong | $2,228 | +0.264% | 519 | |
11 | Zions Bancorporation, N.A. | Exceptional | Strong | Exceptional | Sound | Strong | $1,593 | +0.132% | 224 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,533 | -0.400% | 3,134 | |
13 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $2,299 | +0.363% | 2,769 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,061 | +0.028% | 942 | |
15 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,894 | +0.180% | 881 | |
16 | Bell Bank | Strong | Sound | Exceptional | Strong | Strong | $3,340 | +0.374% | 735 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,906 | +0.423% | 644 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $3,432 | +0.305% | 588 | |
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 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451 | +0.478% | 2,267 | |
22 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,503 | +0.294% | 1,080 | |
23 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,878 | +0.290% | 881 | |
24 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,575 | +0.351% | 422 | |
25 | OneAZ Credit Union | Strong | Sound | Strong | Sound | Exceptional | $933 | +0.179% | 408 | |
26 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $3,206 | +0.697% | 386 | |
27 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,382 | +0.448% | 2,318 | |
28 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,252 | +0.220% | 902 | |
29 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,641 | +0.189% | 635 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | Strong | $2,641 | +0.099% | 391 | |
31 | VANTAGE WEST | Strong | Sound | Strong | Sound | Strong | $1,553 | -0.098% | 216 | |
32 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,723 | -0.709% | 1,023 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,760 | +0.536% | 854 | |
34 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Strong | $2,926 | +0.398% | 830 | |
35 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,329 | +0.291% | 597 | |
36 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,800 | +0.401% | 247 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,319 | +0.634% | 1,160 | |
38 | MORIA DEVELOPMENT, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,435 | +0.510% | 667 | |
39 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,219 | +0.371% | 663 | |
40 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $3,555 | +0.284% | 387 | |
41 | Waterstone Mortgage Corporation | Strong | Acceptable | Strong | Sound | Strong | $4,756 | +0.418% | 367 | |
42 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Strong | $2,694 | +0.296% | 311 | |
43 | DEFINE MORTGAGE SOLUTIONS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,098 | +0.364% | 263 | |
44 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Sound | Strong | $2,803 | +0.259% | 222 | |
45 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,963 | +0.334% | 823 | |
46 | ZILLOW HOME LOANS, LLC | Sound | Sound | Sound | Mediocre | Strong | $3,045 | +0.332% | 673 | |
47 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,674 | +0.506% | 241 | |
48 | ON Q FINANCIAL, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $2,576 | -0.076% | 237 | |
49 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Sound | Exceptional | Strong | $4,202 | +0.490% | 212 | |
50 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,454 | +0.283% | 254 |
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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