# Best Conventional Mortgage Lenders in Phoenix

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Phoenix. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/phoenix/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 283
- **Total Loans:** 70,344
- **Median Rate Spread:** 0.304169741697417%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 85 | 75 | 69 | 556 | Bank |
| 2 | Bank of America, National Association | 85 | 71 | 67 | 451 | Bank |
| 3 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 2,246 | Independent Mortgage Company |
| 4 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 1,275 | Bank |
| 5 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 442 | Independent Mortgage Company |
| 6 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 386 | Credit Union |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 10,650 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 5,365 | Independent Mortgage Company |
| 9 | V.I.P. MORTGAGE, INC. | 80 | 29 | 82 | 1,599 | Independent Mortgage Company |
| 10 | VELOCIO MORTGAGE L.L.C. | 79 | 77 | 57 | 1,242 | Independent Mortgage Company |
| 11 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 555 | Bank |
| 12 | BAY EQUITY LLC | 79 | 46 | 65 | 327 | Independent Mortgage Company |
| 13 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 199 | Independent Mortgage Company |
| 14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 161 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 2,471 | Independent Mortgage Company |
| 16 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 1,570 | Independent Mortgage Company |
| 17 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 1,246 | Independent Mortgage Company |
| 18 | NOVA FINANCIAL & INVESTMENT CORPORATION | 75 | 38 | 74 | 970 | Independent Mortgage Company |
| 19 | Nations Lending Corporation | 75 | 33 | 86 | 438 | Independent Mortgage Company |
| 20 | MATTAMY HOME FUNDING, LLC | 74 | 55 | 63 | 404 | Independent Mortgage Company |
| 21 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 336 | Independent Mortgage Company |
| 22 | BMO Bank National Association | 74 | 62 | 48 | 239 | Bank |
| 23 | ALTITUDE FINANCIAL CORPORATION | 74 | 44 | 73 | 188 | Independent Mortgage Company |
| 24 | NexBank | 74 | 43 | 66 | 148 | Bank |
| 25 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 692 | Independent Mortgage Company |
| 26 | Plains Commerce Bank | 71 | 35 | 64 | 763 | Bank |
| 27 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 724 | Independent Mortgage Company |
| 28 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 694 | Independent Mortgage Company |
| 29 | THE LOAN STORE, INC. | 71 | 39 | 71 | 694 | Independent Mortgage Company |
| 30 | Bell Bank | 71 | 36 | 80 | 681 | Bank |
| 31 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 610 | Independent Mortgage Company |
| 32 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 71 | 20 | 69 | 581 | Independent Mortgage Company |
| 33 | Flagstar Bank, N.A. | 71 | 34 | 72 | 469 | Bank |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 71 | 26 | 76 | 460 | Independent Mortgage Company |
| 35 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 454 | Independent Mortgage Company |
| 36 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 417 | Independent Mortgage Company |
| 37 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 226 | Independent Mortgage Company |
| 38 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 203 | Independent Mortgage Company |
| 39 | LOWER, LLC | 71 | 33 | 66 | 193 | Independent Mortgage Company |
| 40 | KIND LENDING, LLC | 71 | 31 | 66 | 188 | Independent Mortgage Company |
| 41 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 146 | Independent Mortgage Company |
| 42 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 668 | Independent Mortgage Company |
| 43 | GoodLeap, LLC | 69 | 49 | 51 | 190 | Independent Mortgage Company |
| 44 | TRUWEST Credit Union | 69 | 64 | 41 | 179 | Credit Union |
| 45 | RESICENTRAL, LLC | 69 | 55 | 44 | 150 | Independent Mortgage Company |
| 46 | INSPIRE HOME LOANS INC. | 67 | 40 | 61 | 549 | Independent Mortgage Company |
| 47 | Sunflower Bank, National Association | 67 | 38 | 64 | 191 | Bank |
| 48 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 590 | Independent Mortgage Company |
| 49 | NEWREZ LLC | 66 | 31 | 58 | 476 | Independent Mortgage Company |
| 50 | GUARANTEED RATE AFFINITY, LLC | 66 | 32 | 54 | 198 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Phoenix.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.