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Best Arizona Mortgage Lenders of 2019

Finding the Right Mortgage, Mortgages
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

If you’re looking for the best mortgage lenders in Arizona, we’ve done the research. NerdWallet compared the state’s leading lenders, then identified the best ones for a variety of specific loan needs.

Whether you’re shopping for a condo in Phoenix, a classic ranch in Flagstaff or the ideal refinance in Tucson, these lenders are a solid place to start shopping.

Best mortgage lenders in Arizona for first-time home buyers

These lenders have products and services to help Arizona’s first-time home buyers.

Quicken Loans
4.5 NerdWallet rating
  • Is the largest FHA lender in the nation
  • Offers a full complement of mortgage products for buying and refinancing
  • Rocket Mortgage, from Quicken Loans, allows completion of the mortgage process entirely online
  • Quicken Loans review
4.0 NerdWallet rating
  • Offers a full line of purchase mortgages, including FHA and VA loans
  • Has low down payment options that don’t require private mortgage insurance
  • Available in all 50 states
  • CitiMortgage review

Best Arizona mortgage lenders for refinancing

Want to take advantage of your Arizona home’s equity? These lenders have the refinance options you need.

4.5 NerdWallet rating
  • Offers a variety of refinance loans and home equity loans
  • Is rolling out an $80 million technology upgrade
  • Gives discounts and reimbursements for certain closing costs to repeat refinance customers
  • LoanDepot mortgage review
4.0 NerdWallet rating
  • One of the largest banks in the world
  • Offers a range of products, including fixed, adjustable, jumbo, FHA and VA loans
  • Create an account to upload documents, download loan disclosures, e-sign and more
  • Bank of America review

Best online mortgage lenders in Arizona

Skip the time-consuming meetings with these digitally savvy Arizona lenders.

4.5 NerdWallet rating
  • The biggest online mortgage lender in the U.S.
  • Automated process imports employment and income data, credit scores, property information and more
  • Gives a loan decision in minutes
  • Rocket Mortgage review
4.5 NerdWallet rating
  • Has hundreds of high marks and positive reviews on sites such as the Better Business Bureau, LendingTree and Yelp
  • Boasts a more than a 95% customer satisfaction rate
  • Provides a digital mortgage platform for both refinance and purchase customers
  • Guaranteed Rate review

Best Arizona mortgage lenders for borrowers with weak credit

These Arizona lenders have options to help borrowers overcome a low credit score.

4.5 NerdWallet rating
  • Uses manual underwriting to evaluate borrowers, which allows more flexibility to approve loans
  • Offers a broad range of loans, including FHA, fixed-rate and adjustable rate mortgages; minimum score 580
  • Offers multiple down payment assistance and grant programs
  • New American Funding review
4.5 NerdWallet rating
  • Specializes in loans to borrowers with lower credit scores, minimum score 500 in some cases.
  • Considers alternative credit data, like bank statements and rent payments.
  • Free rate locks.
  • Vylla review

Best Arizona mortgage lenders for face-to-face service

These Arizona lenders offer multiple branch locations for a human touch.

3.0 NerdWallet rating
  • Offers a full range of mortgage products, including conventional, ARMs, jumbo, and government-backed
  • Alternative credit sources are considered in some cases
  • Borrowers with U.S. Bank Platinum checking accounts may qualify for a $1,000 mortgage fee discount
  • U.S. Bank mortgage review
3.5 NerdWallet rating
  • Offers the full line of refinancing products you’d expect from a megabank
  • Minimum credit score of 620
  • Offers a 3% down payment option for borrowers with a credit score of 680 or better
  • Chase Mortgage review

Best Arizona mortgage lenders: summary

More from NerdWallet
Calculate your mortgage payment
Compare Arizona mortgage rates
Find Arizona first-time home buyer programs

NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.