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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 Company Lenders in Arizona
Updated February 6, 2026
Market Overview
38
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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,741 | +0.227% | 830 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,154 | +0.132% | 13,305 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,112 | +0.188% | 7,545 | |
4 | Nations Lending Corporation | Exceptional | Strong | Strong | Strong | Strong | $2,228 | +0.264% | 519 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,533 | -0.400% | 3,134 | |
6 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $2,299 | +0.363% | 2,769 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,061 | +0.028% | 942 | |
8 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,894 | +0.180% | 881 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,906 | +0.423% | 644 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $3,432 | +0.305% | 588 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,960 | +0.478% | 3,456 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,761 | +0.489% | 3,251 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451 | +0.478% | 2,267 | |
14 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,503 | +0.294% | 1,080 | |
15 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,878 | +0.290% | 881 | |
16 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,575 | +0.351% | 422 | |
17 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $3,206 | +0.697% | 386 | |
18 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,382 | +0.448% | 2,318 | |
19 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,641 | +0.189% | 635 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | Strong | $2,641 | +0.099% | 391 | |
21 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,723 | -0.709% | 1,023 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,760 | +0.536% | 854 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Strong | $2,926 | +0.398% | 830 | |
24 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,329 | +0.291% | 597 | |
25 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,800 | +0.401% | 247 | |
26 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,319 | +0.634% | 1,160 | |
27 | MORIA DEVELOPMENT, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,435 | +0.510% | 667 | |
28 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,219 | +0.371% | 663 | |
29 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $3,555 | +0.284% | 387 | |
30 | Waterstone Mortgage Corporation | Strong | Acceptable | Strong | Sound | Strong | $4,756 | +0.418% | 367 | |
31 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Strong | $2,694 | +0.296% | 311 | |
32 | DEFINE MORTGAGE SOLUTIONS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,098 | +0.364% | 263 | |
33 | ZILLOW HOME LOANS, LLC | Sound | Sound | Sound | Mediocre | Strong | $3,045 | +0.332% | 673 | |
34 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,674 | +0.506% | 241 | |
35 | ON Q FINANCIAL, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $2,576 | -0.076% | 237 | |
36 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Sound | Exceptional | Strong | $4,202 | +0.490% | 212 | |
37 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,454 | +0.283% | 254 | |
38 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Sound | Acceptable | Exceptional | $5,458 | +0.783% | 780 |
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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