Safe Rate Rankings

Best Mortgage Lenders in Arizona

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders320

Total Loans98,404

Median Rate Spread0.30%

Arizona Market Insights

Velocio Mortgage is Safe Rate's top-ranked lender in Arizona, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Arizona: Bank: Us Bank National Association (#4). Credit union: Navy Federal Credit Union (#3). Mortgage company: Velocio Mortgage (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Arizona, Velocio Mortgage and Navy Federal Credit Union scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Arizona, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Arizona: Rocket Mortgage (#7) and United Wholesale Mortgage (#2).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VELOCIO MORTGAGE L.L.C. Independent Mortgage CompanyDirect	Exceptional	Exceptional	Exceptional	Exceptional	$1,883Fees	1.034%Below	1,242
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$3,154Fees	0.132%Above	13,305
3	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$1,162Fees	0.543%Below	671
4	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Strong	$358Fees	0.012%Below	749
5	MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	$880Fees	0.450%Above	582
6	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$1,759Fees	0.059%Below	539
7	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,112Fees	0.188%Above	7,545
8	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$1,533Fees	0.400%Below	3,134
9	NOVA FINANCIAL & INVESTMENT CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,299Fees	0.363%Above	2,769
10	ALTITUDE FINANCIAL CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	$1,878Fees	0.290%Above	881
11	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Strong	$1,738Fees	0.098%Below	527
12	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$3,382Fees	0.448%Above	2,318
13	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,562Fees	0.190%Above	1,795
14	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,267Fees	0.126%Above	942
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,960Fees	0.478%Above	3,456
16	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Exceptional	$2,503Fees	0.294%Above	1,080
17	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,061Fees	0.028%Above	942
18	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$2,224Fees	0.107%Above	821
19	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$521Fees	0.498%Above	707
20	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,228Fees	0.264%Above	519
21	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$4,451Fees	0.478%Above	2,267
22	Bell Bank BankDirect	Strong	Acceptable	Exceptional	Strong	$3,340Fees	0.374%Above	735
23	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	$2,694Fees	0.296%Above	311
24	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,723Fees	0.709%Below	1,023
25	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Strong	Strong	$2,963Fees	0.334%Above	823
26	TRUWEST Credit Union Credit UnionDirect	Strong	Strong	Sound	Strong	$2,521Fees	0.151%Below	208
27	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,894Fees	0.180%Above	881
28	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,906Fees	0.423%Above	644
29	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$2,641Fees	0.189%Above	635
30	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Sound	Strong	$1,593Fees	0.132%Above	224
31	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,741Fees	0.227%Above	830
32	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Sound	Strong	$2,641Fees	0.099%Above	391
33	BMO Bank National Association BankDirect	Strong	Sound	Sound	Strong	$1,227Fees	0.150%Above	308
34	SUN AMERICAN MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,208Fees	0.234%Above	255
35	VANTAGE WEST Credit UnionDirect	Strong	Sound	Sound	Strong	$1,553Fees	0.098%Below	216
36	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,761Fees	0.489%Above	3,251
37	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Strong	Exceptional	$3,252Fees	0.220%Above	902
38	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,432Fees	0.305%Above	588
39	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	$4,319Fees	0.634%Above	1,160
40	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$2,453Fees	0.556%Above	1,004
41	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$3,555Fees	0.284%Above	387
42	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$2,926Fees	0.398%Above	830
43	GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	$5,458Fees	0.783%Above	780
44	MORIA DEVELOPMENT, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Exceptional	$4,435Fees	0.510%Above	667
45	HOMEOWNERS FINANCIAL GROUP USA, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Exceptional	$3,219Fees	0.371%Above	663
46	EFINITY FINANCIAL INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	$5,552Fees	0.681%Above	527
47	GoodLeap, LLC Independent Mortgage CompanyDirect	Sound	Sound	Sound	Strong	$5,022Fees	0.085%Below	287
48	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$2,800Fees	0.401%Above	247
49	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$2,817Fees	0.176%Above	210
50	Sunflower Bank, National Association BankDirect	Sound	Acceptable	Strong	Strong	$2,803Fees	0.259%Above	222

❓ Frequently Asked Questions

How are mortgage lenders ranked in Arizona?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Arizona), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Arizona?+

Based on 2024 HMDA data, 320 lenders originated a combined 98,404 loans in Arizona. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Arizona?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Arizona is 0.30%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Arizona's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.