NerdWallet offers financial tools and advice to help you understand your options and make the best possible decisions. The guidance we offer and information we provide are deeply researched, objective and independent.
We spent over 400 hours reviewing the top mortgage lenders before selecting the best for our readers. We’ve picked at least two lenders in several "best of" categories to help you find a lender that meets your needs.
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.
- 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
- 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.
- 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
- 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.
- 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
- 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.
- 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
- Specializes in loans to borrowers with lower credit scores, minimum score 550 in some cases
- Offers down payment assistance programs through housing authorities in some states
- Requires online education course for borrowers
- Carrington Mortgage review
Best Arizona mortgage lenders for face-to-face service
These Arizona lenders offer multiple branch locations for a human touch.
- 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
- 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
- Quicken Loans: First-time home buyers
- CitiMortgage: First-time home buyers
- LoanDepot: Refinancing
- Bank of America: Refinancing
- Rocket Mortgage: Online experience
- Guaranteed Rate: Online experience
- New American Funding: Low credit scores
- Carrington Mortgage: Low credit scores
- U.S. Bank: Face-to-face service
- Chase: Face-to-face service