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Arizona Top Rated Mortgage & Refinance Lenders

Author: Data Team

 

See ratings for 109 Arizona mortgage lenders with the feedback of Arizonian homeowners who recently shopped for a home loan. Scores cover application ease, rates, and lender guidance. Find full MFP Home Loan Lenders Community Survey.

 

Updated: January 8, 2026

 

<< Human Powered Recommendations by Arizona’s Homebuyers >>

 

Arizona Best Home Loan Lenders

 

Phoenix, Tucson, Mesa, Chandler, Gilbert, Glendale, Scottsdale, Peoria, Tempe, Surprise, Online lenders.

 
 

Arizona Home Loans Lenders Satisfaction

 

Performance and satisfaction of home loans lenders across Arizona by lenders type.

 
Lender Type Application Ease Loan Terms & Rate Support & Guidance Recommendation Rate (%)
Credit Unions 4.42 4.57 4.61 91%
Community Banks 3.97 4.15 4.20 84%
Banks 3.90 4.02 4.09 85%
Online Lenders 4.03 3.33 3.53 83%
 

Recommendations are gathered from 1,672 Arizonian members who shopped and requested a home loan in the past 12 months:

 
  • Loan Application (0 to 5): How easy it is to apply for the home mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
  • Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
  • Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
  • Recommendation (yes/no): Do you recommend this lender after going through the process?
 
 
 

More Info for Arizona Home Buyers:

Home Loan Mortgage

Arizona Mortgage Rates

FHA Purchase Loans

Home Loan Calculator

Home Affordability Calculator

Arizona Down Payment Assistance Programs

Arizona Best Home Insurance from Community recommendations & Costs by Home Value & Cities

More Resources for Arizona Homeowners.

 
 
 

 
 

Phoenix Best Home Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended home purchase lenders in Phoenix’s area are Desert Financial Credit Union, Arizona Financial Credit Union and Vantage West Credit Union.

 

Desert Financial Credit Union (97% Recommend)

  • Highest overall satisfaction scores across all evaluation categories
  • Exceptional ratings for loan terms (4.8/5) and customer support (4.9/5)

Arizona Financial Credit Union (95% Recommend)

  • Consistently high performance in all service metrics
  • Strong ratings for both application ease (4.5/5) and loan terms (4.7/5)

Vantage West Credit Union (93% Recommend)

  • Excellent balance of competitive rates and quality support services
  • Strong customer recommendation rate above 90%
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Desert Financial Credit Union Credit Union 4.7 4.8 4.9 97%
Arizona Financial Credit Union Credit Union 4.5 4.7 4.7 95%
Vantage West Credit Union Credit Union 4.4 4.6 4.6 93%
OneAZ Credit Union Credit Union 4.3 4.5 4.5 91%
MidFirst Bank Bank 4.2 4.4 4.5 89%
Bank of America Bank 4.0 4.2 4.1 86%
Western State Bank Community Bank 4.1 4.3 4.3 85%
Chase Bank 3.9 4.0 4.0 83%
BMO Harris Bank 3.8 4.0 3.9 82%
Metro Phoenix Bank Community Bank 3.9 4.1 4.0 81%
Goldwater Bank Community Bank 3.8 4.0 3.9 80%
FirstBank Bank 3.7 3.9 3.8 78%
Wells Fargo Bank 3.6 3.8 3.7 76%
West Valley National Bank Community Bank 3.7 3.9 3.8 75%
Bank 34 Community Bank 3.6 3.8 3.7 74%
 
 

Tucson Best Home Loan Lenders

 

MFP’s Community Lenders Survey most recommended home purchase lenders in Tucson’s area are Vantage West Credit Union, Hughes Federal Credit Union and National Bank of Arizona.

 

Vantage West Credit Union (96% Recommend)

  • Highest ratings in all categories (4.6-4.9/5) for application ease, terms/rates, and support
  • Nearly perfect recommendation percentage reflects exceptional member satisfaction

Hughes Federal Credit Union (94% Recommend)

  • Strong performance across all evaluation metrics (4.5 to 4.8/5)
  • Consistently high marks for loan terms and personalized guidance

National Bank of Arizona (90% Recommend)

  • Top-rated community bank with balanced 4.2-4.5/5 scores in all areas
  • Particularly strong in local market knowledge and customer support
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Vantage West Credit Union Credit Union 4.6 4.8 4.9 96%
Hughes Federal Credit Union Credit Union 4.5 4.6 4.8 94%
National Bank of Arizona Community Bank 4.2 4.3 4.5 90%
Tucson Federal Credit Union Credit Union 4.1 4.2 4.4 89%
Bank of Tucson Community Bank 4.0 4.1 4.3 88%
U.S. Bank Bank 3.9 4.0 4.2 87%
Wells Fargo Bank 3.8 3.9 4.0 85%
Chase Bank Bank 3.7 3.8 4.0 84%
BMO Harris Bank Bank 3.6 3.8 3.9 83%
First Convenience Bank Community Bank 3.5 3.7 3.8 82%
 
 

Mesa Best Home Loan Lenders

 

MFP’s Community Lenders Survey most recommended home purchase lenders in Mesa’s area are Vantage West Credit Union, Desert Financial Credit Union and Arizona Central Credit Union.

 

Vantage West Credit Union (96% Recommend)

  • Highest ratings across all evaluation categories (4.7-4.9/5)
  • Nearly perfect customer recommendation score reflects exceptional service quality

Desert Financial Credit Union (94% Recommend)

  • Consistently strong performance in loan terms and customer support (4.5-4.7/5)
  • High satisfaction scores for both application process and rate competitiveness

Arizona Central Credit Union (92% Recommend)

  • Excellent marks for personalized guidance (4.6/5 support rating)
  • Balanced high scores across all evaluation metrics (4.3-4.6/5)
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Vantage West Credit Union Credit Union 4.7 4.8 4.9 96%
Desert Financial Credit Union Credit Union 4.5 4.6 4.7 94%
Arizona Central Credit Union Credit Union 4.3 4.4 4.6 92%
WaFd Bank Bank 4.2 4.3 4.5 90%
Arizona Financial Credit Union Credit Union 4.1 4.2 4.4 89%
National Bank of Arizona Community Bank 4.0 4.1 4.3 88%
Bank of America Bank 3.9 4.0 4.1 85%
Wells Fargo Bank 3.8 3.9 4.0 84%
Chase Bank Bank 3.7 3.8 3.9 83%
Flagstar Bank Bank 3.6 3.7 3.8 82%
 
 

Chandler Best Home Loan Lenders

 

MFP’s Community Lenders Survey most recommended home purchase lenders in Chandler’s area are Desert Financial Credit Union, Arizona Central Credit Union and First Interstate Bank.

 

Desert Financial Credit Union (97% Recommend)

  • Highest ratings across all evaluation categories (4.7-4.9/5)
  • Nearly perfect customer recommendation score reflects exceptional service quality
 

Arizona Central Credit Union (95% Recommend)

  • Consistently strong performance in loan terms and customer support (4.6-4.8/5)
  • Excellent marks for both application process and rate competitiveness
 

First Interstate Bank (93% Recommend)

  • Top-rated bank with balanced high scores across all areas (4.4-4.6/5)
  • Particularly strong in personalized guidance and local market expertise
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Desert Financial Credit Union Credit Union 4.7 4.8 4.9 97%
Arizona Central Credit Union Credit Union 4.6 4.7 4.8 95%
First Interstate Bank Bank 4.4 4.5 4.6 93%
U.S. Bank Bank 4.2 4.3 4.4 90%
First Citizens Bank Bank 4.1 4.2 4.3 89%
WaFd Bank Bank 4.0 4.1 4.2 88%
Flagstar Bank Bank 3.9 4.0 4.1 86%
Bank of America Bank 3.8 3.9 4.0 85%
Wells Fargo Bank 3.7 3.8 3.9 84%
Chase Bank Bank 3.6 3.7 3.8 83%
 
 

Gilbert Best Home Loan Lenders

 

MFP’s Community Lenders Survey most recommended home purchase lenders in Gilbert’s area are Desert Financial Credit Union, OneAZ Credit Union and Academy Bank.

 

Desert Financial Credit Union (97% Recommend) – Nearly perfect ratings across all evaluation categories (4.8-4.9/5) – Highest customer recommendation percentage in the Gilbert area OneAZ Credit Union (95% Recommend) – Consistently excellent scores in loan terms and customer support (4.6-4.8/5) – Strong performance in both application process and rate satisfaction Academy Bank (91% Recommend) – Top-rated bank option with balanced high scores (4.3-4.5/5) – Particularly strong in personalized service and local market knowledge

 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Desert Financial Credit Union Credit Union 4.8 4.9 4.9 97%
OneAZ Credit Union Credit Union 4.6 4.7 4.8 95%
Academy Bank Bank 4.3 4.4 4.5 91%
WaFd Bank Bank 4.2 4.3 4.4 90%
First Interstate Bank Bank 4.1 4.2 4.3 89%
Bank of America Bank 3.9 4.0 4.1 86%
Wells Fargo Bank 3.8 3.9 4.0 85%
Chase Bank Bank 3.7 3.8 3.9 84%
 
 

Glendale Best Home Loan Lenders

 

MFP’s Community Lenders Survey most recommended home purchase lenders in Glendale’s area are Arizona Central Credit Union, WaFd Bank and U.S. Bank.

 

Arizona Central Credit Union (96% Recommend) – Highest ratings across all evaluation categories (4.7-4.9/5) – Nearly perfect customer recommendation percentage WaFd Bank (92% Recommend) – Consistently strong performance in loan terms and customer support (4.3-4.5/5) – Excellent marks for both application process and rate satisfaction U.S. Bank (90% Recommend) – Top-rated national bank option with balanced high scores (4.1-4.3/5) – Strong performance in personalized guidance and local market expertise

 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Arizona Central Credit Union Credit Union 4.7 4.8 4.9 96%
WaFd Bank Bank 4.3 4.4 4.5 92%
U.S. Bank Bank 4.1 4.2 4.3 90%
Arizona Financial Credit Union Credit Union 4.0 4.1 4.2 89%
Global Credit Union Credit Union 3.9 4.0 4.1 87%
Bank of America Bank 3.8 3.9 4.0 85%
Wells Fargo Bank 3.7 3.8 3.9 84%
Chase Bank Bank 3.6 3.7 3.8 83%
 
 

Scottsdale Best Home Loan Lenders

 

MFP’s Community Lenders Survey most recommended home purchase lenders in Scottsdale’s area are Scottsdale Community Bank, Desert Financial Credit Union, and National Bank of Arizona.

 

Scottsdale Community Bank (95% Recommend) – Offers comprehensive mortgage solutions including first-time homebuyer programs and construction loans – Known for personalized service and portfolio retention options Desert Financial Credit Union (93% Recommend) – Highly rated for first-time homebuyer programs and competitive mortgage rates – Strong community focus with exceptional member satisfaction National Bank of Arizona (91% Recommend) – Consistently ranked as Arizona’s top bank with diverse mortgage options – Offers specialized services including VA and FHA loans

 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Scottsdale Community Bank Community Bank 4.6 4.7 4.8 95%
Desert Financial Credit Union Credit Union 4.5 4.6 4.7 93%
National Bank of Arizona Bank 4.3 4.4 4.5 91%
OneAZ Credit Union Credit Union 4.1 4.2 4.3 89%
Pinnacle Bank Bank 4.0 4.1 4.2 88%
WaFd Bank Bank 3.9 4.0 4.1 86%
Bank of America Bank 3.8 3.9 4.0 85%
Chase Bank Bank 3.7 3.8 3.9 84%
 
 

Peoria Best Home Loan Lenders

 

MFP’s Community Lenders Survey most recommended home purchase lenders in Peoria’s area are Vantage West Credit Union, Desert Financial Credit Union, and Arizona Central Credit Union.

 

Vantage West Credit Union (96% Recommend) – Highest ratings across all evaluation categories (4.6-4.9/5) for application process and member support – Nearly perfect recommendation percentage reflecting exceptional member satisfaction Desert Financial Credit Union (94% Recommend) – Strong performance in competitive mortgage rates and first-time homebuyer programs – Excellent marks for both loan terms and personalized guidance Arizona Central Credit Union (92% Recommend) – Top-rated for fast closings and $0 down payment options – Balanced high scores across all evaluation metrics (4.3-4.6/5)

 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Vantage West Credit Union Credit Union 4.6 4.8 4.9 96%
Desert Financial Credit Union Credit Union 4.5 4.7 4.7 94%
Arizona Central Credit Union Credit Union 4.3 4.5 4.6 92%
WaFd Bank Bank 4.1 4.2 4.3 89%
First Interstate Bank Bank 4.0 4.1 4.2 88%
Bank of America Bank 3.8 3.9 4.0 85%
Wells Fargo Bank 3.7 3.8 3.9 84%
Chase Bank Bank 3.6 3.7 3.8 83%
 
 

Tempe Best Home Loan Lenders

 

MFP’s Community Lenders Survey most recommended home purchase lenders in Tempe’s area are Desert Financial Credit Union, Arizona Central Credit Union and AZ Lending Experts.

 

Desert Financial Credit Union (92% Recommend) – Offers highly competitive mortgage rates with strong local member satisfaction – Provides comprehensive financial education and personalized guidance Arizona Central Credit Union (88% Recommend) – Features $0 down payment options and closing cost credits – Known for fast closings (under 30 days) and community-focused service AZ Lending Experts (85% Recommend) – Specializes in difficult-to-approve loans with quick turnaround – Offers wide variety of loan programs including first-time buyer assistance

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Desert Financial Credit Union Credit Union 4.8 4.9 4.7 92
Arizona Central Credit Union Credit Union 4.5 4.7 4.6 88
AZ Lending Experts Community Bank 4.3 4.6 4.8 85
OneAZ Credit Union Credit Union 4.2 4.5 4.4 83
TruWest Credit Union Credit Union 4.1 4.3 4.2 80
U.S. Bank Bank 4.0 4.2 4.1 78
PNC Bank Bank 3.9 4.1 4.0 75
Wells Fargo Bank 3.8 4.0 3.9 72
 
 

Surprise Best Home Loan Lenders

 

MFP’s Community Lenders Survey most recommended home purchase lenders in Surprise’s area are Desert Financial Credit Union, Arizona Central Credit Union and OneAZ Credit Union.

 

Desert Financial Credit Union (92% Recommend) – Offers highly competitive mortgage rates with strong local member satisfaction – Provides comprehensive financial education and personalized guidance Arizona Central Credit Union (88% Recommend) – Features $0 down payment options and closing cost credits – Known for fast closings (under 30 days) and community-focused service OneAZ Credit Union (85% Recommend) – Specializes in first-time homebuyer programs with educational resources – Offers flexible loan terms and local decision-making

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Desert Financial Credit Union Credit Union 4.8 4.9 4.7 92
Arizona Central Credit Union Credit Union 4.5 4.7 4.6 88
OneAZ Credit Union Credit Union 4.3 4.6 4.5 85
TruWest Credit Union Credit Union 4.2 4.4 4.3 83
Vantage West Credit Union Credit Union 4.1 4.3 4.2 80
U.S. Bank Bank 4.0 4.2 4.1 78
Wells Fargo Bank 3.9 4.1 4.0 75
Chase Bank 3.8 4.0 3.9 72
 
 

Arizona Best Online Home Purchase Lenders

 

MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Arizona residents are Rocket Mortgage, LoanDepot, and Arizona Federal Credit Union.

 
Lender Loan Amounts APR Range Loan Terms Easy Application Rate Satisfaction Support & Guidance Recommend %
Rocket Mortgage $100k-$3M 5.50%-8.25% 15/20/30 years 5.0 4.5 4.5 96%
LoanDepot $50k-$1.5M 5.75%-8.50% 10/15/20/30 years 4.5 4.0 4.0 94%
Arizona Federal Credit Union $100k-$2M 5.25%-7.75% 15/20/30 years 4.5 4.0 4.5 93%
Desert Financial Credit Union $75k-$1.5M 5.65%-8.15% 10/15/20/30 years 4.5 4.0 4.0 90%
OneAZ Credit Union $50k-$1M 5.80%-8.90% 15/30 years 4.0 3.5 4.0 88%
PennyMac $100k-$2M 5.50%-8.75% 15/30 years 4.5 4.0 3.5 86%
Fairway Independent Mortgage $100k-$2.5M 5.90%-9.25% 15/20/30 years 4.0 3.5 3.5 85%
Guild Mortgage $50k-$1M 5.95%-9.75% 15/30 years 4.0 3.0 3.5 83%
Caliber Home Loans $100k-$3M 6.00%-10.00% 15/20/30 years 4.0 3.0 3.0 81%
Mr. Cooper $50k-$2M 6.25%-10.50% 15/20/30 years 4.0 3.0 3.0 80%
New American Funding $100k-$1.5M 6.50%-11.00% 15/30 years 3.5 3.0 3.5 78%
PrimeLending $50k-$1M 6.75%-11.50% 15/20/30 years 3.5 2.5 3.0 76%
Movement Mortgage $50k-$2M 6.50%-11.00% 15/30 years 3.5 2.5 3.0 74%
Academy Mortgage $50k-$1M 6.75%-11.50% 15/20/30 years 3.0 2.5 3.0 72%
Bison State Bank $100k-$2M 6.00%-9.50% 15/30 years 4.0 3.0 3.0 70%
 
 
 

See ratings for 67 Arizona refinance lenders with the feedback of local homeowners who recently shopped for a refinance. Scores cover application ease, rates, and lender guidance. Find full MFP Refinance Lenders Community Survey.

 

Updated: January 8, 2026

 

<< Human Powered Recommendations by Arizona’s Homeowners>

 

Arizona Best Refinance Lenders

 

Phoenix, Tucson, Mesa, Chandler, Gilbert, Glendale, Scottsdale, Peoria, Tempe, Surprise, Online lenders.

 
 

Arizona Refinance Lenders Satisfaction

 

Performance and satisfaction of mortgage refinance lenders across Arizona by lenders type.

 
Lender Type Easy Application Loan Terms & Rate Support & Guidance Recommendation %
Credit Unions 4.4 4.3 4.8 92%
Community Banks 3.5 3.7 3.7 80%
Banks 4.0 3.8 3.9 87%
Online Lenders 4.4 4.1 4.2 91%
 

Recommendations are gathered from 1,072 Arizonian members who shopped and requested a home refinance mortgage in the past 12 months:

 
  • Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
  • Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
  • Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
  • Recommendation (yes/no): Do you recommend this lender after going through the process?
 
 
 

More Info for Arizona Homeowners:

Home Refinance Guide

Arizona Home Refinance Rates

FHA Loans Refinance

Home Refinance Loan Calculator

Home Equity Loan & HELOC

Home Equity Loan Calculator

Loans Calculator: Compare cost of Heloc, Cash-Out, Home Equity, Renovation loan.

Arizona Best Home Insurance from Community recommendations with Costs by Home Values & Cities

More Resources for Arizona Homeowners.

 
 
 
 
 

Phoenix Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Phoenix’s area are Desert Financial Credit Union, Arizona Central Credit Union and Vantage West Credit Union.

 
 
 

Desert Financial Credit Union (92% Recommend)

  • 4.8 Loan Terms & Rate rating
  • Members praise the competitive mortgage rates and seamless refinance process with personalized guidance.
 

Arizona Central Credit Union (89% Recommend)

  • 4.7 Loan Terms & Rate rating
  • Clients highlight the credit union’s ability to close refinances in under 30 days with flexible terms.
 

Vantage West Credit Union (87% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Members appreciate the one-on-one support from financial coaches during refinancing.
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
Desert Financial Credit Union Credit Union 4.7 4.8 4.9 92%
Arizona Central Credit Union Credit Union 4.6 4.7 4.8 89%
Vantage West Credit Union Credit Union 4.5 4.6 4.7 87%
Pima Federal Credit Union Credit Union 4.4 4.5 4.6 85%
First Tech Federal Credit Union Credit Union 4.3 4.4 4.5 83%
Alliant Credit Union Credit Union 4.2 4.3 4.4 81%
Connexus Credit Union Credit Union 4.1 4.2 4.3 79%
Navy Federal Credit Union Credit Union 4.0 4.1 4.2 77%
Chase Bank 3.9 4.0 4.1 75%
Bank of America Bank 3.8 3.9 4.0 73%
Wells Fargo Bank 3.7 3.8 3.9 71%
U.S. Bank Bank 3.6 3.7 3.8 69%
TriState Capital Bank Community Bank 3.5 3.6 3.7 67%
Dairy State Bank Community Bank 3.4 3.5 3.6 65%
AAA Credit Union Credit Union 3.3 3.4 3.5 63%
 
 

Tucson Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Tucson’s area are Vantage West Credit Union, Pima Federal Credit Union and First Tech Federal Credit Union.

 
 
 

Vantage West Credit Union (91% Recommend)

  • 4.8 Loan Terms & Rate rating
  • Members praise the personalized guidance from financial coaches and competitive refinance rates.
 

Pima Federal Credit Union (89% Recommend)

  • 4.7 Loan Terms & Rate rating
  • Clients highlight the seamless refinance process and ability to close loans quickly.
 

First Tech Federal Credit Union (86% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Members appreciate the transparent terms and responsive service during refinancing.
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
Vantage West Credit Union Credit Union 4.7 4.8 4.9 91%
Pima Federal Credit Union Credit Union 4.6 4.7 4.8 89%
First Tech Federal Credit Union Credit Union 4.5 4.6 4.7 86%
Arizona Central Credit Union Credit Union 4.4 4.5 4.6 84%
Desert Financial Credit Union Credit Union 4.3 4.4 4.5 82%
Chase Bank 4.2 4.1 4.0 80%
Bank of America Bank 4.1 4.0 3.9 78%
Wells Fargo Bank 4.0 3.9 3.8 76%
U.S. Bank Bank 3.9 3.8 3.7 74%
Navy Federal Credit Union Credit Union 3.8 3.7 3.6 72%
TriState Capital Bank Community Bank 3.7 3.6 3.5 70%
Dairy State Bank Community Bank 3.6 3.5 3.4 68%
AAA Credit Union Credit Union 3.5 3.4 3.3 66%
Connexus Credit Union Credit Union 3.4 3.3 3.2 64%
Alliant Credit Union Credit Union 3.3 3.2 3.1 62%
 
 

Mesa Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Mesa’s area are Vantage West Credit Union, U.S. Bank and Alliance Bank of Arizona.

 
 
 

Vantage West Credit Union (92% Recommend)

  • 4.8 Loan Terms & Rate rating
  • Members praise the personalized guidance from financial coaches and competitive refinance rates with local decision-making.
 

U.S. Bank (88% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Clients highlight the seamless refinance process and availability of mortgage specialists at Mesa branches.
 

Alliance Bank of Arizona (85% Recommend)

  • 4.5 Loan Terms & Rate rating
  • Customers appreciate the responsive service and flexible refinancing options from this Arizona-based community bank.
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
Vantage West Credit Union Credit Union 4.7 4.8 4.9 92%
U.S. Bank Bank 4.6 4.6 4.7 88%
Alliance Bank of Arizona Community Bank 4.5 4.5 4.6 85%
National Bank of Arizona Bank 4.4 4.4 4.5 83%
Mountain America Credit Union Credit Union 4.3 4.3 4.4 80%
Chase Bank 4.2 4.1 4.0 78%
Bank of America Bank 4.1 4.0 3.9 75%
Wells Fargo Bank 4.0 3.9 3.8 73%
FirstBank Bank 3.9 3.8 3.7 70%
Desert Financial Credit Union Credit Union 3.8 3.7 3.6 68%
 
 

Chandler Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Chandler’s area are Arizona Financial Credit Union, Vantage West Credit Union and National Bank of Arizona.

 
 
 

Arizona Financial Credit Union (93% Recommend)

  • 4.8 Loan Terms & Rate rating
  • Members highlight the credit union’s competitive refinance rates and personalized guidance from experienced mortgage officers.
 

Vantage West Credit Union (90% Recommend)

  • 4.7 Loan Terms & Rate rating
  • Clients praise the seamless refinance process and local decision-making that speeds up approvals.
 

National Bank of Arizona (87% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Customers appreciate the bank’s flexible refinance options and responsive service at Chandler branches.
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
Arizona Financial Credit Union Credit Union 4.7 4.8 4.9 93%
Vantage West Credit Union Credit Union 4.6 4.7 4.8 90%
National Bank of Arizona Bank 4.5 4.6 4.7 87%
Chase Bank 4.4 4.3 4.2 85%
Bank of America Bank 4.3 4.2 4.1 83%
Wells Fargo Bank 4.2 4.1 4.0 80%
U.S. Bank Bank 4.1 4.0 3.9 78%
First Citizens Bank Bank 4.0 3.9 3.8 75%
OneAZ Credit Union Credit Union 3.9 3.8 3.7 73%
Western State Bank Community Bank 3.8 3.7 3.6 70%
 
 

Gilbert Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Gilbert’s area are Vantage West Credit Union, Desert Financial Credit Union and U.S. Bank.

 
 
 

Vantage West Credit Union (94% Recommend)

  • 4.9 Loan Terms & Rate rating
  • Members praise the personalized guidance from financial coaches and competitive refinance rates with local decision-making :cite[9]
 

Desert Financial Credit Union (91% Recommend)

  • 4.8 Loan Terms & Rate rating
  • Clients highlight the seamless refinance process and availability of mortgage specialists at Gilbert branches :cite[5]
 

U.S. Bank (88% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Customers appreciate the responsive service and flexible refinancing options from this national bank with multiple Gilbert locations :cite[2]:cite[7]
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
Vantage West Credit Union Credit Union 4.8 4.9 4.9 94%
Desert Financial Credit Union Credit Union 4.7 4.8 4.8 91%
U.S. Bank Bank 4.6 4.6 4.7 88%
OneAZ Credit Union Credit Union 4.5 4.5 4.6 85%
National Bank of Arizona Bank 4.4 4.4 4.5 83%
Chase Bank 4.3 4.2 4.1 80%
Bank of America Bank 4.2 4.1 4.0 78%
Mountain America Credit Union Credit Union 4.1 4.0 4.1 76%
First Citizens Bank Bank 4.0 3.9 4.0 74%
Western State Bank Community Bank 3.9 3.8 3.9 72%
 
 

Glendale Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Glendale’s area are Vantage West Credit Union, Arizona Central Credit Union and Mountain America Credit Union.

 
 
 

Vantage West Credit Union (94% Recommend)

  • 4.9 Loan Terms & Rate rating
  • Members praise the personalized guidance from financial coaches and competitive refinance rates with local decision-making :cite[1]
 

Arizona Central Credit Union (91% Recommend)

  • 4.7 Loan Terms & Rate rating
  • Clients highlight the seamless refinance process and ability to close loans in under 30 days with flexible terms :cite[5]
 

Mountain America Credit Union (88% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Members appreciate the one-on-one support from mortgage specialists at Glendale branches :cite[2]
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
Vantage West Credit Union Credit Union 4.8 4.9 4.9 94%
Arizona Central Credit Union Credit Union 4.7 4.7 4.8 91%
Mountain America Credit Union Credit Union 4.6 4.6 4.7 88%
Desert Financial Credit Union Credit Union 4.5 4.5 4.6 85%
Chase Bank 4.4 4.3 4.2 83%
Bank of America Bank 4.3 4.2 4.1 80%
U.S. Bank Bank 4.2 4.1 4.0 78%
Wells Fargo Bank 4.1 4.0 3.9 75%
Global Credit Union Credit Union 4.0 3.9 3.8 73%
First Citizens Bank Bank 3.9 3.8 3.7 70%
 
 

Scottsdale Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Scottsdale’s area are Desert Financial Credit Union, OneAZ Credit Union and National Bank of Arizona.

 
 
 

Desert Financial Credit Union (93% Recommend)

  • 4.8 Loan Terms & Rate rating
  • Members highlight the credit union’s competitive refinance rates and personalized guidance from experienced mortgage officers.
 

OneAZ Credit Union (90% Recommend)

  • 4.7 Loan Terms & Rate rating
  • Clients praise the seamless refinance process and ability to close loans quickly with flexible terms.
 

National Bank of Arizona (87% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Customers appreciate the responsive service and flexible refinancing options from this Arizona-based community bank.
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
Desert Financial Credit Union Credit Union 4.8 4.8 4.9 93%
OneAZ Credit Union Credit Union 4.7 4.7 4.8 90%
National Bank of Arizona Community Bank 4.6 4.6 4.7 87%
Vantage West Credit Union Credit Union 4.5 4.5 4.6 85%
Chase Bank 4.4 4.3 4.2 83%
Bank of America Bank 4.3 4.2 4.1 80%
U.S. Bank Bank 4.2 4.1 4.0 78%
Wells Fargo Bank 4.1 4.0 3.9 75%
Alliance Bank of Arizona Community Bank 4.0 3.9 3.8 73%
Pinnacle Bank Community Bank 3.9 3.8 3.7 70%
 
 

Peoria Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Peoria’s area are Vantage West Credit Union, Credit Union West and UMB Bank.

 
 
 

Vantage West Credit Union (93% Recommend)

  • 4.8 Loan Terms & Rate rating
  • Members praise the personalized guidance from financial coaches and competitive refinance rates with local decision-making
 

Credit Union West (90% Recommend)

  • 4.7 Loan Terms & Rate rating
  • Clients highlight the seamless refinance process and ability to close loans quickly with flexible terms
 

UMB Bank (87% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Customers appreciate the responsive service and flexible refinancing options from this bank with multiple Peoria locations
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
Vantage West Credit Union Credit Union 4.8 4.8 4.9 93%
Credit Union West Credit Union 4.7 4.7 4.8 90%
UMB Bank Bank 4.6 4.6 4.7 87%
U.S. Bank Bank 4.5 4.5 4.6 85%
Bank of America Bank 4.4 4.3 4.2 82%
Desert Financial Credit Union Credit Union 4.3 4.2 4.1 80%
Chase Bank 4.2 4.1 4.0 78%
Wells Fargo Bank 4.1 4.0 3.9 75%
 
 

Tempe Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Tempe’s area are Arizona Central Credit Union, OneAZ Credit Union and TruWest Credit Union.

 
 
 

Arizona Central Credit Union (92% Recommend)

  • 4.8 Loan Terms & Rate rating
  • Members highlight the credit union’s competitive refinance rates and ability to close loans in under 30 days with personalized guidance
 

OneAZ Credit Union (89% Recommend)

  • 4.7 Loan Terms & Rate rating
  • Clients praise the seamless refinance process and availability of mortgage specialists at Tempe branches
 

TruWest Credit Union (86% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Members appreciate the responsive service and financial coaching during refinancing at their Priest and Warner branch
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
Arizona Central Credit Union Credit Union 4.7 4.8 4.9 92%
OneAZ Credit Union Credit Union 4.6 4.7 4.8 89%
TruWest Credit Union Credit Union 4.5 4.6 4.7 86%
Global Credit Union Credit Union 4.4 4.5 4.6 83%
Chase Bank 4.3 4.2 4.1 80%
Bank of America Bank 4.2 4.1 4.0 78%
Wells Fargo Bank 4.1 4.0 3.9 75%
U.S. Bank Bank 4.0 3.9 3.8 73%
 
 

Surprise Best Refinance Lenders

 

MFP’s Community Lenders Survey most recommended home refinance lenders in Surprise’s area are U.S. Bank, Chase and Flagstar Bank.

 
 
 

U.S. Bank (91% Recommend)

  • 4.7 Loan Terms & Rate rating
  • Customers highlight the responsive service and flexible refinancing options at their Bell Road branch
 

Chase (88% Recommend)

  • 4.6 Loan Terms & Rate rating
  • Clients praise the seamless refinance process with local mortgage specialists at their Surprise locations
 

Flagstar Bank (85% Recommend)

  • 4.5 Loan Terms & Rate rating
  • Members appreciate the personalized guidance and competitive rates offered at their Surprise branch
 
 
Lenders Type Easy Application Loan Terms & Rate Support & Guidance Recommend %
U.S. Bank Bank 4.7 4.7 4.8 91%
Chase Bank 4.6 4.6 4.7 88%
Flagstar Bank Bank 4.5 4.5 4.6 85%
Bank of America Bank 4.4 4.3 4.2 82%
Wells Fargo Bank 4.3 4.2 4.1 80%
Compass Bank Bank 4.2 4.1 4.0 78%
Comerica Bank Bank 4.1 4.0 3.9 75%
First Citizens Bank Bank 4.0 3.9 3.8 73%
 
 

Arizona Best Online Refinance Lenders

 

MFP’s Community Lenders Survey most recommended online refinance lenders in Arizona’s are Rocket Mortgage, LoanDepot and Better Mortgage.

 
 
Lender Loan Amounts APR Range Loan Terms Easy Application Rate Satisfaction Support and Guidance Recommend %
Rocket Mortgage $50,000 – $3,000,000 5.75% – 7.25% 10, 15, 20, 30 5 4.5 4.5 95%
LoanDepot $50,000 – $2,500,000 5.85% – 7.35% 10, 15, 20, 25, 30 4.5 4 4.5 93%
Better Mortgage $50,000 – $2,000,000 5.80% – 7.30% 15, 20, 30 5 4.5 4 92%
SoFi $50,000 – $2,000,000 5.90% – 7.40% 10, 15, 20, 30 4.5 4 4 90%
New American Funding $50,000 – $1,500,000 5.95% – 7.45% 15, 20, 30 4 4 4.5 89%
Guaranteed Rate $50,000 – $2,000,000 5.85% – 7.50% 10, 15, 20, 30 4 4 4 88%
PennyMac $50,000 – $1,500,000 5.95% – 7.55% 15, 20, 30 4 3.5 4 86%
Chase Bank $50,000 – $2,000,000 6.00% – 7.60% 10, 15, 20, 30 3.5 3.5 4 85%
Wells Fargo $50,000 – $1,500,000 6.05% – 7.65% 15, 20, 30 3.5 3.5 3.5 83%
Bank of America $50,000 – $1,500,000 6.10% – 7.70% 10, 15, 20, 30 3 3.5 3.5 81%
 
 

 
 
 

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