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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 Jumbo Mortgage Company Lenders in Phoenix
Updated February 5, 2026
Market Overview
34
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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,776 | +0.213% | 610 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,172 | +0.130% | 10,650 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,092 | +0.168% | 5,365 | |
4 | Nations Lending Corporation | Exceptional | Strong | Strong | Strong | Strong | $2,252 | +0.256% | 438 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,462 | -0.403% | 2,246 | |
6 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $2,926 | +0.400% | 970 | |
7 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,851 | +0.138% | 724 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,889 | +0.051% | 692 | |
9 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $3,468 | +0.290% | 460 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,759 | +0.394% | 454 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,103 | +0.482% | 2,471 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,369 | +0.564% | 1,570 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,640 | +0.468% | 1,246 | |
14 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,432 | +0.323% | 198 | |
15 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,522 | +0.414% | 1,599 | |
16 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,355 | +0.279% | 694 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | Strong | $2,802 | +0.119% | 336 | |
18 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,668 | -0.742% | 1,004 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Strong | $3,008 | +0.408% | 694 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,777 | +0.518% | 590 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,227 | +0.278% | 476 | |
22 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,881 | +0.415% | 188 | |
23 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,295 | +0.385% | 581 | |
24 | Waterstone Mortgage Corporation | Strong | Acceptable | Strong | Sound | Strong | $4,792 | +0.412% | 339 | |
25 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $3,544 | +0.286% | 327 | |
26 | DEFINE MORTGAGE SOLUTIONS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,107 | +0.360% | 234 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Strong | $2,275 | +0.235% | 161 | |
28 | ZILLOW HOME LOANS, LLC | Sound | Sound | Sound | Mediocre | Strong | $3,021 | +0.325% | 631 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $4,789 | +0.672% | 487 | |
30 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,599 | +0.526% | 327 | |
31 | ON Q FINANCIAL, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $2,608 | -0.113% | 224 | |
32 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,713 | +0.494% | 193 | |
33 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Sound | Exceptional | Strong | $4,268 | +0.482% | 191 | |
34 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Sound | Acceptable | Strong | $5,919 | +0.829% | 539 |
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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