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Best Arizona Mortgage Lenders of 2018

Finding the Right Mortgage, Mortgages
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.
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.

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
  • 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.

Rocket Mortgage
  • 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

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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.