The Lenders Community Survey gathers homeowners feedback and 56 lenders recommendations for Arizona home purchase loans. Shopping for a home mortgage loan can be complicated and we gathered this data to help your choice.
Updated: June 5, 2025
<< Human Powered Recommendations >>
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 1,072 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 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 Loan Information for Arizona Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
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% |
