# Best USDA Mortgage Lenders in Phoenix

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

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

> **Canonical URL:** https://saferate.com/phoenix/best-mortgage-lenders/usda-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 | 87 | 1,242 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 10,650 | Independent Mortgage Company |
| 3 | NOVA FINANCIAL & INVESTMENT CORPORATION | 75 | 37 | 77 | 970 | Independent Mortgage Company |
| 4 | GENEVA FINANCIAL, LLC | 75 | 21 | 86 | 539 | Independent Mortgage Company |
| 5 | INSPIRE HOME LOANS INC. | 73 | 43 | 49 | 549 | Independent Mortgage Company |
| 6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 2,471 | 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.