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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 Mortgage Lenders in Phoenix
Updated February 5, 2026
Market Overview
283
Total Lenders
70,344
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $1,883 | -1.034% | 1,242 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,814 | -0.093% | 442 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,045 | -0.570% | 386 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,172 | +0.130% | 10,650 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $290 | -0.026% | 556 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,734 | -0.097% | 451 | |
7 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $477 | +0.455% | 404 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,462 | -0.403% | 2,246 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,561 | +0.154% | 1,275 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,237 | +0.058% | 555 | |
11 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Exceptional | Strong | $2,107 | +0.312% | 188 | |
12 | TRUWEST Credit Union | Strong | Strong | Sound | Strong | $2,655 | -0.146% | 179 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,275 | +0.235% | 161 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,092 | +0.168% | 5,365 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,103 | +0.482% | 2,471 | |
16 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,522 | +0.414% | 1,599 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,640 | +0.468% | 1,246 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,668 | -0.742% | 1,004 | |
19 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,926 | +0.400% | 970 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,889 | +0.051% | 692 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,313 | +0.122% | 668 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,776 | +0.213% | 610 | |
23 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $621 | +0.580% | 549 | |
24 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,544 | +0.286% | 327 | |
25 | NexBank | Strong | Sound | Strong | Strong | $1,827 | +0.406% | 148 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,369 | +0.564% | 1,570 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,851 | +0.138% | 724 | |
28 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $3,401 | +0.364% | 681 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,468 | +0.290% | 460 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,759 | +0.394% | 454 | |
31 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,252 | +0.256% | 438 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,802 | +0.119% | 336 | |
33 | BMO Bank National Association | Strong | Sound | Sound | Strong | $1,396 | +0.133% | 239 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,213 | +0.320% | 203 | |
35 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $5,042 | -0.161% | 190 | |
36 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,275 | -0.066% | 152 | |
37 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,952 | +0.169% | 150 | |
38 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,232 | +0.211% | 763 | |
39 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,355 | +0.279% | 694 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,008 | +0.408% | 694 | |
41 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,021 | +0.325% | 631 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,095 | +0.719% | 512 | |
43 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,804 | +0.245% | 469 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,492 | +0.220% | 417 | |
45 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,952 | +1.012% | 269 | |
46 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,880 | +0.246% | 234 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,060 | +0.944% | 226 | |
48 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,668 | +0.337% | 199 | |
49 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,432 | +0.323% | 198 | |
50 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,713 | +0.494% | 193 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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