# Best FHA Mortgage Lenders in Phoenix

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

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

> **Canonical URL:** https://saferate.com/phoenix/best-mortgage-lenders/fha-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 | VELOCIO MORTGAGE L.L.C. | 100 | 96 | 88 | 1,242 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 10,650 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 668 | Independent Mortgage Company |
| 4 | MATTAMY HOME FUNDING, LLC | 85 | 89 | 79 | 404 | Independent Mortgage Company |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 161 | Independent Mortgage Company |
| 6 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 146 | Independent Mortgage Company |
| 7 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 2,246 | Independent Mortgage Company |
| 8 | NOVA FINANCIAL & INVESTMENT CORPORATION | 83 | 47 | 79 | 970 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 5,365 | Independent Mortgage Company |
| 10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 2,471 | Independent Mortgage Company |
| 11 | V.I.P. MORTGAGE, INC. | 80 | 37 | 83 | 1,599 | Independent Mortgage Company |
| 12 | NFM, INC. | 80 | 40 | 83 | 1,004 | Independent Mortgage Company |
| 13 | Plains Commerce Bank | 79 | 47 | 66 | 763 | Bank |
| 14 | THE LOAN STORE, INC. | 79 | 49 | 72 | 694 | Independent Mortgage Company |
| 15 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 692 | Independent Mortgage Company |
| 16 | U.S. Bank National Association | 79 | 65 | 60 | 556 | Bank |
| 17 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 549 | Independent Mortgage Company |
| 18 | Flagstar Bank, N.A. | 79 | 58 | 71 | 469 | Bank |
| 19 | GoodLeap, LLC | 79 | 62 | 58 | 190 | Independent Mortgage Company |
| 20 | KIND LENDING, LLC | 79 | 55 | 71 | 188 | Independent Mortgage Company |
| 21 | ALTITUDE FINANCIAL CORPORATION | 79 | 60 | 84 | 188 | Independent Mortgage Company |
| 22 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 1,246 | Independent Mortgage Company |
| 23 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 75 | 21 | 76 | 581 | Independent Mortgage Company |
| 24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 460 | Independent Mortgage Company |
| 25 | Nations Lending Corporation | 75 | 27 | 83 | 438 | Independent Mortgage Company |
| 26 | MORIA DEVELOPMENT, INC. | 75 | 21 | 82 | 327 | Independent Mortgage Company |
| 27 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 203 | Independent Mortgage Company |
| 28 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | 74 | 48 | 78 | 157 | Independent Mortgage Company |
| 29 | RESICENTRAL, LLC | 74 | 68 | 56 | 150 | Independent Mortgage Company |
| 30 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 1,275 | Bank |
| 31 | NEWREZ LLC | 73 | 52 | 56 | 476 | Independent Mortgage Company |
| 32 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 724 | Independent Mortgage Company |
| 33 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 694 | Independent Mortgage Company |
| 34 | Bell Bank | 71 | 36 | 80 | 681 | Bank |
| 35 | ZILLOW HOME LOANS, LLC | 71 | 34 | 67 | 631 | Independent Mortgage Company |
| 36 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 610 | Independent Mortgage Company |
| 37 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 454 | Independent Mortgage Company |
| 38 | BAY EQUITY LLC | 71 | 37 | 72 | 327 | Independent Mortgage Company |
| 39 | Equity Prime Mortgage LLC | 71 | 22 | 63 | 269 | Independent Mortgage Company |
| 40 | SUN WEST MORTGAGE COMPANY, INC. | 71 | 36 | 64 | 234 | Independent Mortgage Company |
| 41 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 25 | 69 | 226 | Independent Mortgage Company |
| 42 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 199 | Independent Mortgage Company |
| 43 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 198 | Independent Mortgage Company |
| 44 | OCMBC, INC. | 71 | 39 | 72 | 193 | Independent Mortgage Company |
| 45 | LOWER, LLC | 71 | 29 | 66 | 193 | Independent Mortgage Company |
| 46 | Sunflower Bank, National Association | 71 | 39 | 72 | 191 | Bank |
| 47 | Wells Fargo Bank, National Association | 69 | 57 | 42 | 555 | Bank |
| 48 | BMO Bank National Association | 69 | 59 | 46 | 239 | Bank |
| 49 | ON Q FINANCIAL, LLC | 67 | 31 | 67 | 224 | Independent Mortgage Company |
| 50 | EFINITY FINANCIAL INC. | 67 | 13 | 80 | 391 | 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.