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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,154 | +0.132% | 13,305 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,267 | +0.126% | 942 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,061 | +0.028% | 942 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,741 | +0.227% | 830 | |
6 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $521 | +0.498% | 707 | |
7 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,641 | +0.189% | 635 | |
8 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $880 | +0.450% | 582 | |
9 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,575 | +0.351% | 422 | |
10 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,206 | +0.697% | 386 | |
11 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,800 | +0.401% | 247 | |
12 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,533 | -0.400% | 3,134 | |
13 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,503 | +0.294% | 1,080 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,894 | +0.180% | 881 | |
15 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,906 | +0.423% | 644 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,432 | +0.305% | 588 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,694 | +0.296% | 311 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,112 | +0.188% | 7,545 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,960 | +0.478% | 3,456 | |
20 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,723 | -0.709% | 1,023 | |
21 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $1,878 | +0.290% | 881 | |
22 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,926 | +0.398% | 830 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,329 | +0.291% | 597 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,641 | +0.099% | 391 | |
25 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,707 | +0.175% | 282 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,454 | +0.283% | 254 | |
27 | ON Q FINANCIAL, LLC | Strong | Strong | Strong | Sound | Strong | $2,576 | -0.076% | 237 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,761 | +0.489% | 3,251 | |
29 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,382 | +0.448% | 2,318 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451 | +0.478% | 2,267 | |
31 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Strong | $2,208 | +0.234% | 255 | |
32 | OCMBC, INC. | Strong | Sound | Strong | Strong | Strong | $4,674 | +0.506% | 241 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,453 | +0.556% | 1,004 | |
34 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,458 | +0.783% | 780 | |
35 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $4,435 | +0.510% | 667 | |
36 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,219 | +0.371% | 663 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,554 | +0.275% | 618 | |
38 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,555 | +0.284% | 387 | |
39 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $5,022 | -0.085% | 287 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,337 | +0.339% | 246 | |
41 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,783 | +0.346% | 241 | |
42 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,817 | +0.176% | 210 | |
43 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,299 | +0.363% | 2,769 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,319 | +0.634% | 1,160 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,045 | +0.332% | 673 | |
46 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,228 | +0.264% | 519 | |
47 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,692 | +0.876% | 400 | |
48 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,756 | +0.418% | 367 | |
49 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Strong | Exceptional | Strong | $5,166 | +0.710% | 218 | |
50 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Strong | Strong | $4,771 | +0.719% | 601 |
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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