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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 FHA 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 | 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 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $477 | +0.455% | 404 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,172 | +0.130% | 10,650 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,313 | +0.122% | 668 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,275 | +0.235% | 161 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,680 | +0.275% | 146 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,462 | -0.403% | 2,246 | |
8 | NOVA FINANCIAL & INVESTMENT CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,926 | +0.400% | 970 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,889 | +0.051% | 692 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $290 | -0.026% | 556 | |
11 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $5,042 | -0.161% | 190 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,092 | +0.168% | 5,365 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,103 | +0.482% | 2,471 | |
14 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,522 | +0.414% | 1,599 | |
15 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,668 | -0.742% | 1,004 | |
16 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,232 | +0.211% | 763 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,355 | +0.279% | 694 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $621 | +0.580% | 549 | |
19 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,804 | +0.245% | 469 | |
20 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $2,107 | +0.312% | 188 | |
21 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,881 | +0.415% | 188 | |
22 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,952 | +0.169% | 150 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,561 | +0.154% | 1,275 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,640 | +0.468% | 1,246 | |
25 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,295 | +0.385% | 581 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,227 | +0.278% | 476 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,468 | +0.290% | 460 | |
28 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,252 | +0.256% | 438 | |
29 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,599 | +0.526% | 327 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,213 | +0.320% | 203 | |
31 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Sound | Strong | Strong | Strong | $2,495 | +0.071% | 157 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,851 | +0.138% | 724 | |
33 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,008 | +0.408% | 694 | |
34 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,401 | +0.364% | 681 | |
35 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,021 | +0.325% | 631 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,776 | +0.213% | 610 | |
37 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,237 | +0.058% | 555 | |
38 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,759 | +0.394% | 454 | |
39 | EFINITY FINANCIAL INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $6,134 | +0.655% | 391 | |
40 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,544 | +0.286% | 327 | |
41 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,952 | +1.012% | 269 | |
42 | BMO Bank National Association | Strong | Sound | Strong | Sound | Strong | $1,396 | +0.133% | 239 | |
43 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,880 | +0.246% | 234 | |
44 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,060 | +0.944% | 226 | |
45 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,668 | +0.337% | 199 | |
46 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,432 | +0.323% | 198 | |
47 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,713 | +0.494% | 193 | |
48 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,863 | +0.320% | 193 | |
49 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,713 | +0.235% | 191 | |
50 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,608 | -0.113% | 224 |
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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