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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 Company Lenders in Arizona
Updated February 6, 2026
Market Overview
50
Total Lenders
85,061
Total Loans
0.40%
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,738 | -0.098% | 527 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,154 | +0.132% | 13,305 | |
4 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Exceptional | Exceptional | $1,878 | +0.290% | 881 | |
5 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $880 | +0.450% | 582 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,533 | -0.400% | 3,134 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,694 | +0.296% | 311 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,112 | +0.188% | 7,545 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,960 | +0.478% | 3,456 | |
10 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,299 | +0.363% | 2,769 | |
11 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,382 | +0.448% | 2,318 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,451 | +0.478% | 2,267 | |
13 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,723 | -0.709% | 1,023 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,267 | +0.126% | 942 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,061 | +0.028% | 942 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,741 | +0.227% | 830 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $521 | +0.498% | 707 | |
18 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,555 | +0.284% | 387 | |
19 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | $2,208 | +0.234% | 255 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,761 | +0.489% | 3,251 | |
21 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | $2,503 | +0.294% | 1,080 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,894 | +0.180% | 881 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,906 | +0.423% | 644 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,432 | +0.305% | 588 | |
25 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,228 | +0.264% | 519 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,641 | +0.099% | 391 | |
27 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $5,022 | -0.085% | 287 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,337 | +0.339% | 246 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,319 | +0.634% | 1,160 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,453 | +0.556% | 1,004 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,926 | +0.398% | 830 | |
32 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | $5,458 | +0.783% | 780 | |
33 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,045 | +0.332% | 673 | |
34 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,641 | +0.189% | 635 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,554 | +0.275% | 618 | |
36 | EFINITY FINANCIAL INC. | Strong | Mediocre | Exceptional | Exceptional | $5,552 | +0.681% | 527 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,575 | +0.351% | 422 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,692 | +0.876% | 400 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,206 | +0.697% | 386 | |
40 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,707 | +0.175% | 282 | |
41 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,454 | +0.283% | 254 | |
42 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,800 | +0.401% | 247 | |
43 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,674 | +0.506% | 241 | |
44 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,783 | +0.346% | 241 | |
45 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $2,817 | +0.176% | 210 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,760 | +0.536% | 854 | |
47 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Exceptional | $4,435 | +0.510% | 667 | |
48 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Sound | Mediocre | Strong | Exceptional | $3,219 | +0.371% | 663 | |
49 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,329 | +0.291% | 597 | |
50 | ON Q FINANCIAL, LLC | Sound | Acceptable | Sound | 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 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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