Safe Rate Rankings

Best Jumbo Mortgage Companie Lenders in Phoenix

Updated May 25, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders283
Total Loans70,344
Median Rate Spread0.30%

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