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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 Conventional Mortgage Company Lenders in Arizona
Updated February 6, 2026
Market Overview
50
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,738 | -0.098% | 527 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,533 | -0.400% | 3,134 | |
3 | VELOCIO MORTGAGE L.L.C. | Exceptional | Strong | Strong | Sound | Exceptional | $1,883 | -1.034% | 1,242 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,154 | +0.132% | 13,305 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,112 | +0.188% | 7,545 | |
6 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,382 | +0.448% | 2,318 | |
7 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $1,878 | +0.290% | 881 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,641 | +0.099% | 391 | |
9 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,555 | +0.284% | 387 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,694 | +0.296% | 311 | |
11 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,454 | +0.283% | 254 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,960 | +0.478% | 3,456 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,761 | +0.489% | 3,251 | |
14 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,299 | +0.363% | 2,769 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451 | +0.478% | 2,267 | |
16 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,503 | +0.294% | 1,080 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,061 | +0.028% | 942 | |
18 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $880 | +0.450% | 582 | |
19 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,228 | +0.264% | 519 | |
20 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Strong | $2,208 | +0.234% | 255 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,267 | +0.126% | 942 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.180% | 881 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,926 | +0.398% | 830 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,741 | +0.227% | 830 | |
25 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,219 | +0.371% | 663 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,906 | +0.423% | 644 | |
27 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,641 | +0.189% | 635 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,554 | +0.275% | 618 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,432 | +0.305% | 588 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,206 | +0.697% | 386 | |
31 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $5,022 | -0.085% | 287 | |
32 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,800 | +0.401% | 247 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,337 | +0.339% | 246 | |
34 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,783 | +0.346% | 241 | |
35 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,817 | +0.176% | 210 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,319 | +0.634% | 1,160 | |
37 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,723 | -0.709% | 1,023 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,760 | +0.536% | 854 | |
39 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $521 | +0.498% | 707 | |
40 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,329 | +0.291% | 597 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,575 | +0.351% | 422 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,453 | +0.556% | 1,004 | |
43 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $5,458 | +0.783% | 780 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,045 | +0.332% | 673 | |
45 | MORIA DEVELOPMENT, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,435 | +0.510% | 667 | |
46 | EFINITY FINANCIAL INC. | Strong | Mediocre | Strong | Strong | Exceptional | $5,552 | +0.681% | 527 | |
47 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,756 | +0.418% | 367 | |
48 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,707 | +0.175% | 282 | |
49 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,576 | -0.076% | 237 | |
50 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | Strong | $5,166 | +0.710% | 218 |
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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