# Best VA Mortgage Lenders in Phoenix

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

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

> **Canonical URL:** https://saferate.com/phoenix/best-mortgage-lenders/va-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 | 100 | 89 | 1,242 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 10,650 | Independent Mortgage Company |
| 3 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 692 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 668 | Independent Mortgage Company |
| 5 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 610 | Independent Mortgage Company |
| 6 | U.S. Bank National Association | 85 | 71 | 65 | 556 | Bank |
| 7 | INSPIRE HOME LOANS INC. | 85 | 66 | 78 | 549 | Independent Mortgage Company |
| 8 | MATTAMY HOME FUNDING, LLC | 85 | 66 | 84 | 404 | Independent Mortgage Company |
| 9 | AMERICAN FINANCIAL NETWORK, INC. | 85 | 75 | 63 | 226 | Independent Mortgage Company |
| 10 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 198 | Independent Mortgage Company |
| 11 | KIND LENDING, LLC | 85 | 64 | 67 | 188 | Independent Mortgage Company |
| 12 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 146 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 2,246 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 1,275 | Bank |
| 15 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 724 | Independent Mortgage Company |
| 16 | Bell Bank | 83 | 49 | 82 | 681 | Bank |
| 17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 460 | Independent Mortgage Company |
| 18 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 454 | Independent Mortgage Company |
| 19 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 386 | Credit Union |
| 20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 161 | Independent Mortgage Company |
| 21 | RESICENTRAL, LLC | 80 | 72 | 60 | 150 | Independent Mortgage Company |
| 22 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 5,365 | Independent Mortgage Company |
| 23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 2,471 | Independent Mortgage Company |
| 24 | NFM, INC. | 80 | 40 | 83 | 1,004 | Independent Mortgage Company |
| 25 | Plains Commerce Bank | 79 | 46 | 66 | 763 | Bank |
| 26 | Paramount Residential Mortgage Group, Inc. | 79 | 40 | 71 | 694 | Independent Mortgage Company |
| 27 | THE LOAN STORE, INC. | 79 | 51 | 75 | 694 | Independent Mortgage Company |
| 28 | NEWREZ LLC | 79 | 47 | 63 | 476 | Independent Mortgage Company |
| 29 | Flagstar Bank, N.A. | 79 | 56 | 68 | 469 | Bank |
| 30 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 336 | Independent Mortgage Company |
| 31 | SUN WEST MORTGAGE COMPANY, INC. | 79 | 48 | 61 | 234 | Independent Mortgage Company |
| 32 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 199 | Independent Mortgage Company |
| 33 | USAA Federal Savings Bank | 79 | 62 | 58 | 152 | Bank |
| 34 | V.I.P. MORTGAGE, INC. | 75 | 29 | 77 | 1,599 | Independent Mortgage Company |
| 35 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 1,570 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 1,246 | Independent Mortgage Company |
| 37 | ON Q FINANCIAL, LLC | 74 | 71 | 52 | 224 | Independent Mortgage Company |
| 38 | OCMBC, INC. | 74 | 43 | 63 | 193 | Independent Mortgage Company |
| 39 | ALTITUDE FINANCIAL CORPORATION | 74 | 49 | 74 | 188 | Independent Mortgage Company |
| 40 | Wells Fargo Bank, National Association | 73 | 53 | 55 | 555 | Bank |
| 41 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 71 | 36 | 63 | 581 | Independent Mortgage Company |
| 42 | Mortgage Research Center, LLC | 71 | 34 | 61 | 512 | Independent Mortgage Company |
| 43 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 417 | Independent Mortgage Company |
| 44 | BAY EQUITY LLC | 71 | 38 | 73 | 327 | Independent Mortgage Company |
| 45 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 203 | Independent Mortgage Company |
| 46 | LOWER, LLC | 71 | 25 | 63 | 193 | Independent Mortgage Company |
| 47 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | 71 | 21 | 84 | 157 | Independent Mortgage Company |
| 48 | GoodLeap, LLC | 69 | 50 | 55 | 190 | Independent Mortgage Company |
| 49 | ZILLOW HOME LOANS, LLC | 67 | 39 | 68 | 631 | Independent Mortgage Company |
| 50 | MORIA DEVELOPMENT, INC. | 67 | 26 | 74 | 327 | 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.