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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 VA Mortgage Company Lenders in Phoenix

Updated February 5, 2026

Market Overview

Total Lenders

70,344

Total Loans

0.30%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	VELOCIO MORTGAGE L.L.C.	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$1,883	-1.034%	1,242
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,172	+0.130%	10,650
3	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,889	+0.051%	692
4	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$3,313	+0.122%	668
5	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,776	+0.213%	610
6	INSPIRE HOME LOANS INC.	Exceptional	Strong	Exceptional	Strong	Strong	$621	+0.580%	549
7	MATTAMY HOME FUNDING, LLC	Exceptional	Strong	Strong	Exceptional	Strong	$477	+0.455%	404
8	AMERICAN FINANCIAL NETWORK, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$3,060	+0.944%	226
9	GUARANTEED RATE AFFINITY, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,432	+0.323%	198
10	KIND LENDING, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,881	+0.415%	188
11	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,680	+0.275%	146
12	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,462	-0.403%	2,246
13	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,851	+0.138%	724
14	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,468	+0.290%	460
15	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,759	+0.394%	454
16	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,275	+0.235%	161
17	RESICENTRAL, LLC	Exceptional	Strong	Strong	Strong	Strong	$1,952	+0.169%	150
18	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,092	+0.168%	5,365
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,103	+0.482%	2,471
20	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,668	-0.742%	1,004
21	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,355	+0.279%	694
22	Paramount Residential Mortgage Group, Inc.	Strong	Sound	Exceptional	Strong	Strong	$3,008	+0.408%	694
23	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$2,227	+0.278%	476
24	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,802	+0.119%	336
25	SUN WEST MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Strong	$4,880	+0.246%	234
26	ON Q FINANCIAL, LLC	Strong	Strong	Strong	Sound	Strong	$2,608	-0.113%	224
27	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,668	+0.337%	199
28	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,522	+0.414%	1,599
29	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,369	+0.564%	1,570
30	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,640	+0.468%	1,246
31	OCMBC, INC.	Strong	Sound	Strong	Strong	Strong	$4,713	+0.494%	193
32	ALTITUDE FINANCIAL CORPORATION	Strong	Sound	Strong	Strong	Strong	$2,107	+0.312%	188
33	HOMEOWNERS FINANCIAL GROUP USA, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$3,295	+0.385%	581
34	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,095	+0.719%	512
35	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,492	+0.220%	417
36	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,544	+0.286%	327
37	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,213	+0.320%	203
38	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,863	+0.320%	193
39	GoodLeap, LLC	Strong	Sound	Strong	Sound	Strong	$5,042	-0.161%	190
40	BROOKHOLLOW MORTGAGE SERVICES, LTD.	Strong	Acceptable	Strong	Exceptional	Strong	$2,495	+0.071%	157
41	NOVA FINANCIAL & INVESTMENT CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,926	+0.400%	970
42	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Strong	Strong	$3,021	+0.325%	631
43	GENEVA FINANCIAL, LLC	Strong	Mediocre	Exceptional	Exceptional	Strong	$5,919	+0.829%	539
44	Nations Lending Corporation	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,252	+0.256%	438
45	MORIA DEVELOPMENT, INC.	Strong	Acceptable	Strong	Strong	Strong	$4,599	+0.526%	327
46	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,952	+1.012%	269
47	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$4,789	+0.672%	487
48	Waterstone Mortgage Corporation	Strong	Mediocre	Exceptional	Strong	Strong	$4,792	+0.412%	339
49	SECURITYNATIONAL MORTGAGE COMPANY	Sound	Mediocre	Strong	Strong	Strong	$4,878	+0.698%	478
50	DIRECT MORTGAGE LOANS, LLC	Sound	Mediocre	Strong	Strong	Strong	$4,268	+0.482%	191

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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