If you’re curious who the top mortgage lenders in Arizona are, you’ve come to the right place.
I’ve compiled several top-10 lists for overall volume, home purchase volume, and refinance volume.
Interestingly, a wholesale mortgage lender actually topped the overall list in 2024 (the latest year available).
That’s impressive given the fact that wholesale lenders only work with mortgage brokers, as opposed to retail lenders that are consumer-facing.
Anyway, the lender in question was United Wholesale Mortgage, or UWM for short, with a solid $6.7 billion. Read on to find out who the other big players were.
Top Mortgage Lenders in Arizona (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $6.7 billion |
| 2. | Rocket Mortgage | $3.1 billion |
| 3. | Fairway | $1.6 billion |
| 4. | CrossCountry | $1.5 billion |
| 5. | loanDepot | $1.3 billion |
| 6. | Lennar Mortgage | $1.1 billion |
| 7. | DHI Mortgage | $1.0 billion |
| 8. | Nova Home Loans | $1.0 billion |
| 9. | VIP Mortgage | $990 million |
| 10. | Guild Mortgage | $934 million |
As noted, UWM topped the charts in the Copper State with nearly $7 billion in home loan volume, beating out its crosstown rival Rocket Mortgage, per HMDA data from Richey May.
Rocket mustered an also impressive $3.1 billion in home loan origination volume, beating out third place Fairway Home Mortgage’s $1.6 billion quite easily.
Also in the top five were CrossCountry Mortgage with $1.5 billion and loanDepot with $1.3 billion.
The rest of the top-10 also consisted of two home builder’s lenders, Lennar Mortgage and DHI Mortgage (D.R. Horton), which is no surprise.
Along with Nova Home Loans and VIP Mortgage, which are independent mortgage bankers based in Arizona, and finally Guild Mortgage.
If you live there, you’ve undoubtedly seen NOVA’s many ads featured along the freeway’s digital billboards.
Top Mortgage Lenders in Arizona (for Home Purchase Loans)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $4.5 billion |
| 2. | Rocket Mortgage | $1.7 billion |
| 3. | Fairway | $1.4 billion |
| 4. | CrossCountry | $1.3 billion |
| 5. | Lennar Mortgage | $1.1 billion |
| 6. | loanDepot | $1.0 billion |
| 7. | DHI Mortgage | $1.0 billion |
| 8. | VIP Mortgage | $869 million |
| 9. | Nova Home Loans | $861 million |
| 10. | Guild Mortgage | $795 million |
Now let’s turn our attention to home purchase lending, which has become all the rage since mortgage rates practically doubled.
The top Arizona mortgage lender for home purchase loans was also UWM with a whopping $4.5 billion funded.
Once again they held off second place Rocket Mortgage with ease, which originated a respectable $1.7 billion in State 48.
Coming in third was Fairway with $1.4 billion, followed by fellow nonbank CrossCountry with $1.3 billion.
In fifth was Miami’s Lennar Mortgage, which is the captive lender for it’s home building business.
Others in the top 10 included loanDepot, DHI Mortgage, VIP Mortgage, Nova Home Loans, and Guild Mortgage.
This is an important list to watch for 2025 as the market perhaps begins to shift back to refinance lending as mortgage rates fall.
Top Mortgage Lenders in Arizona (for Home Refinance Loans)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $2.3 billion |
| 2. | Rocket Mortgage | $1.3 billion |
| 3. | Freedom Mortgage | $410 million |
| 4. | Pennymac | $270 million |
| 5. | Chase | $227 million |
| 6. | loanDepot | $206 million |
| 7. | CrossCountry | $184 million |
| 8. | Fairway | $173 million |
| 9. | Newrez | $172 million |
| 10. | Mr. Cooper | $170 million |
Now let’s crown a king of refinance loans. If you guessed UWM, you won.
The nation’s number one mortgage lender did $2.3 billion in refis in Arizona last year.
That was well above second place Rocket’s $1.3 billion, and in a different galaxy than third place Freedom Mortgage’s $410 million.
California-based multi-channel lender Pennymac took fourth, while Chase grabbed fifth, with $270 and $227 million, respectively.
Others in the top 10 included the likes of loanDepot, CrossCountry, Fairway, Newrez, and Mr. Cooper
So it appears the top-10 mortgage lenders in Arizona is fairly concentrated among a small group of big names.
Top Mortgage Lenders in Phoenix
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $5.4 billion |
| 2. | Rocket Mortgage | $2.2 billion |
| 3. | Fairway | $1.2 billion |
| 4. | loanDepot | $937 million |
| 5. | Lennar Mortgage | $906 million |
| 6. | DHI Mortgage | $878 million |
| 7. | CrossCountry | $787 million |
| 8. | ClosingMark | $715 million |
| 9. | VIP Mortgage | $714 million |
| 10. | Chase | $706 million |
Top Mortgage Lenders in Tucson
| Ranking | Company Name | 2024 Loan Volume |
| 1. | CrossCountry | $395 million |
| 2. | Nova Financial | $377 million |
| 3. | UWM | $352 million |
| 4. | loanDepot | $253 million |
| 5. | Rocket Mortgage | $251 million |
| 6. | Fairway | $237 million |
| 7. | Altitude Financial | $199 million |
| 8. | Lennar Mortgage | $180 million |
| 9. | VIP Mortgage | $178 million |
| 10. | Prosperity Home | $161 million |
It’ll be interesting to see what this list looks like for 2022.
Do You Need to Use One of Arizona’s Biggest Mortgage Lenders?
Remember, biggest isn’t always best, though it’s possible for big and best to coexist.
Ultimately, it’ll come down to your preferences and personal experience depending on your home loan needs.
The top mortgage lender in Arizona is UWM, which as noted, is a wholesale lender. This means smaller brokerages resell their products.
So it’s possible to work with a small mom-and-pop shop and still get your mortgage from the #1 lender in the state.
But it doesn’t really matter how big, small, or medium your lender is as long as they get the job done and provide a competitive rate (and fees).
Just take the time to explore the many options available and gather more than just one quote if you want the chance to save some dough.
(photo: Andy Atzert)
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