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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 Lenders in Arizona
Updated February 6, 2026
Market Overview
320
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,162 | -0.543% | 671 | |
4 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,562 | +0.190% | 1,795 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,267 | +0.126% | 942 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,061 | +0.028% | 942 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,741 | +0.227% | 830 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $358 | -0.012% | 749 | |
9 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $521 | +0.498% | 707 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,641 | +0.189% | 635 | |
11 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $880 | +0.450% | 582 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,575 | +0.351% | 422 | |
13 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,206 | +0.697% | 386 | |
14 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,800 | +0.401% | 247 | |
15 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,533 | -0.400% | 3,134 | |
16 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,503 | +0.294% | 1,080 | |
17 | Plains Commerce Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,252 | +0.220% | 902 | |
18 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,894 | +0.180% | 881 | |
19 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,340 | +0.374% | 735 | |
20 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,906 | +0.423% | 644 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,432 | +0.305% | 588 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,694 | +0.296% | 311 | |
23 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,198 | -0.050% | 293 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,112 | +0.188% | 7,545 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,960 | +0.478% | 3,456 | |
26 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,723 | -0.709% | 1,023 | |
27 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $1,878 | +0.290% | 881 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,926 | +0.398% | 830 | |
29 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,963 | +0.334% | 823 | |
30 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,329 | +0.291% | 597 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,641 | +0.099% | 391 | |
32 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,707 | +0.175% | 282 | |
33 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,454 | +0.283% | 254 | |
34 | ON Q FINANCIAL, LLC | Strong | Strong | Strong | Sound | Strong | $2,576 | -0.076% | 237 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,761 | +0.489% | 3,251 | |
36 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,382 | +0.448% | 2,318 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451 | +0.478% | 2,267 | |
38 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,224 | +0.107% | 821 | |
39 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Strong | $2,208 | +0.234% | 255 | |
40 | OCMBC, INC. | Strong | Sound | Strong | Strong | Strong | $4,674 | +0.506% | 241 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,453 | +0.556% | 1,004 | |
42 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $4,435 | +0.510% | 667 | |
43 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,219 | +0.371% | 663 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,554 | +0.275% | 618 | |
45 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,555 | +0.284% | 387 | |
46 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $5,022 | -0.085% | 287 | |
47 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,337 | +0.339% | 246 | |
48 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,783 | +0.346% | 241 | |
49 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,817 | +0.176% | 210 | |
50 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,045 | +0.332% | 673 |
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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