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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 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 | 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 | ALTITUDE FINANCIAL CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,878 | +0.290% | 881 | |
12 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $5,022 | -0.085% | 287 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,112 | +0.188% | 7,545 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,960 | +0.478% | 3,456 | |
15 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,382 | +0.448% | 2,318 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,723 | -0.709% | 1,023 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $521 | +0.498% | 707 | |
18 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,435 | +0.510% | 667 | |
19 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,800 | +0.401% | 247 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451 | +0.478% | 2,267 | |
21 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,219 | +0.371% | 663 | |
22 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,329 | +0.291% | 597 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,432 | +0.305% | 588 | |
24 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,228 | +0.264% | 519 | |
25 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Strong | $2,208 | +0.234% | 255 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,337 | +0.339% | 246 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,319 | +0.634% | 1,160 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.180% | 881 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,926 | +0.398% | 830 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,741 | +0.227% | 830 | |
31 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,458 | +0.783% | 780 | |
32 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,045 | +0.332% | 673 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,906 | +0.423% | 644 | |
34 | EFINITY FINANCIAL INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,552 | +0.681% | 527 | |
35 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,575 | +0.351% | 422 | |
36 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,692 | +0.876% | 400 | |
37 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,555 | +0.284% | 387 | |
38 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,206 | +0.697% | 386 | |
39 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,707 | +0.175% | 282 | |
40 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,454 | +0.283% | 254 | |
41 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,674 | +0.506% | 241 | |
42 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,783 | +0.346% | 241 | |
43 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,817 | +0.176% | 210 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,761 | +0.489% | 3,251 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,453 | +0.556% | 1,004 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,641 | +0.099% | 391 | |
47 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,756 | +0.418% | 367 | |
48 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,576 | -0.076% | 237 | |
49 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,166 | +0.710% | 218 | |
50 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,202 | +0.490% | 212 |
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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