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Mortgage Lenders and Brokers in Surprise, Arizona

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Surprise, Arizona mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA15481 W Cactus Rd, Surprise, AZ 85379A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.13751 W Bell Rd, Surprise, AZ 85374A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA15564 W Waddell Rd, Surprise, AZ 85379A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA13780 W Waddell Rd, Surprise, AZ 85379A+5.0 ★Texas Ratio: 4.14%, MidFirst BankMidFirst Bank15451 W Waddell Rd, Surprise, AZ 85379A+5.0 ★Texas Ratio: 4.93%, BMO Harris Bank NABMO Harris Bank NA16890 W Bell Rd, Surprise, AZ 85374A+5.0 ★Texas Ratio: 3.54%, Flagstar Bank NAFlagstar Bank NA14543 W Grand Ave, Surprise, AZ 85374D3.3 ★Texas Ratio: 35.11%, First National Bank TexasFirst National Bank Texas14111 N Prasada Gateway Ave, Surprise, AZ 85388A4.7 ★Texas Ratio: 3.20%, Washington FederalWashington Federal13640 N Prasada Pkwy, Surprise, AZ 85388A+5.0 ★Texas Ratio: 4.48%, and Credit Union WestCredit Union West16765 N Litchfield Rd, Surprise, AZ 85374A+5.0 ★Texas Ratio: 2.78%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Surprise, Arizona in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Surprise are listed first, then lenders elsewhere in Arizona, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Surprise, Arizona

Market share is the lender's share of all home loans closed in Surprise, Arizona. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
JPMorgan Chase Bank, NA 4 offices in Surprise 15481 W Cactus Rd, Surprise, AZ 85379 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	51 +7 HELOCs	0.9%	92.9%	$290,490	View
US Bank, N.A. 2 offices in Surprise 13751 W Bell Rd, Surprise, AZ 85374 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	38 +15 HELOCs	0.7%	72.2%	$422,631	View
Wells Fargo Bank NA 3 offices in Surprise 15564 W Waddell Rd, Surprise, AZ 85379 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	26	0.5%	86.7%	$233,846	View
Bank of America NA 2 offices in Surprise 13780 W Waddell Rd, Surprise, AZ 85379 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	17 +53 HELOCs	0.3%	89.5%	$286,764	View
MidFirst Bank 2 offices in Surprise 15451 W Waddell Rd, Surprise, AZ 85379 A+5.0 ★Texas Ratio: 4.93%	Conventional	7	0.1%	100%	$239,285	View
BMO Harris Bank NA 1 office in Surprise 16890 W Bell Rd, Surprise, AZ 85374 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	6 +22 HELOCs	0.1%	66.7%	$540,000	View
Flagstar Bank NA 1 office in Surprise 14543 W Grand Ave, Surprise, AZ 85374 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	5 +3 HELOCs	0.1%	55.6%	$317,000	View
First National Bank Texas 1 office in Surprise 14111 N Prasada Gateway Ave, Surprise, AZ 85388 A4.7 ★Texas Ratio: 3.20%	Conventional, FHA	4	0.1%	80%	$420,000	View
Washington Federal 1 office in Surprise 13640 N Prasada Pkwy, Surprise, AZ 85388 A+5.0 ★Texas Ratio: 4.48%	Conventional	1	0%	100%	$555,000	View
Credit Union West 16765 N Litchfield Rd, Surprise, AZ 85374 A+5.0 ★Texas Ratio: 2.78%	Conventional, HELOC	58 +22 HELOCs	1%	78.8%	$127,068	View
Copper State Credit Union 15613 W Bell Rd, Surprise, AZ 85374 A+5.0 ★Texas Ratio: 3.49%	Conventional, HELOC	54 +9 HELOCs	0.9%	71.8%	$65,925	View
Arizona Financial Credit Union 15460 N Reems Rd, Surprise, AZ 85374 A+5.0 ★Texas Ratio: 1.69%	Conventional, FHA, VA, Jumbo, HELOC	31 +22 HELOCs	0.5%	60%	$155,000	View
Bell Bank 1850 E Northrop Blvd, Chandler, AZ 85286 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA, HELOC	26 +5 HELOCs	0.5%	92.9%	$336,538	View
Desert Financial Credit Union 13770 W Bell Rd, Surprise, AZ 85374 A+5.0 ★Texas Ratio: 2.04%	Conventional, HELOC	18 +288 HELOCs	0.3%	60%	$307,777	View
Oneaz Credit Union 1021 N State Route 89 Ste 106, CHINO VALLEY, AZ 86323 6558 A+5.0 ★Texas Ratio: 4.17%	Conventional, HELOC	18 +20 HELOCs	0.3%	78.3%	$245,555	View
SunWest Federal Credit Union 14865 W Bell Rd, Surprise, AZ 85374 7600 A+5.0 ★Texas Ratio: 2.68%	Conventional	18	0.3%	82.6%	$105,000	View
AERO Federal Credit Union 18301 N 79th Ave, Glendale, AZ 85308 A+5.0 ★Texas Ratio: 0.72%	Conventional	14	0.2%	87.5%	$72,142	View
Sunflower Bank, N.A. 355 E Germann Rd, Gilbert, AZ 85297 A5.0 ★Texas Ratio: 10.77%	Conventional, FHA, VA	9	0.2%	90%	$340,555	View
Arizona Central Credit Union 1805 W Chandler Blvd, CHANDLER, AZ 85224 A5.0 ★Texas Ratio: 8.52%	Conventional, HELOC	8 +3 HELOCs	0.1%	66.7%	$282,500	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2840 Highway 95, Bullhead City, AZ 86442 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	6 +19 HELOCs	0.1%	75%	$581,666	View
Umb Bank NA 1000 N 54th St, Chandler, AZ 85226 A+5.0 ★Texas Ratio: 1.78%	Conventional, FHA, HELOC	6 +5 HELOCs	0.1%	100%	$280,000	View
Truwest Credit Union 1990 W Elliot Rd, Chandler, AZ 85224 1816 A+5.0 ★Texas Ratio: 4.57%	Conventional, HELOC	5 +3 HELOCs	0.1%	100%	$129,000	View
Bankers Trust Company 4555 E Mayo Blvd, Phoenix, AZ 85050 A+5.0 ★Texas Ratio: 2.48%	Conventional	2	0%	100%	$325,000	View
Armed Forces Bank, N.A. 52035 Arizona Street, Fort Huachuca, AZ 85670 A+5.0 ★Texas Ratio: 4.81%	Conventional, VA	2	0%	100%	$375,000	View
Zions Bancorporation, N.A. 101 W La Mina Ave, Ajo, AZ 85321 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	1 +6 HELOCs	0%	71.4%	$385,000	View
Vantage West Credit Union 2008 E Florence Blvd, Casa Grande, AZ 85122 5402 A+5.0 ★Texas Ratio: 5.26%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$805,000	View
Bokf NA 901 Dobson, Mesa, AZ 85201 A+5.0 ★Texas Ratio: 1.05%	VA, HELOC	1 +3 HELOCs	0%	100%	$765,000	View
Alerus Financial NA 1640 S Stapley Dr Ste 105, Mesa, AZ 85204 A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0%	100%	$735,000	View
First Credit Union 475 N Gila Springs Blvd, Chandler, AZ 85226 A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0%	100%	$255,000	View
Banterra Bank 15100 N 78th Way, Scottsdale, AZ 85260 A4.7 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0%	100%	$1,725,000	View
Western State Bank 1412 E Florence Blvd, Casa Grande, AZ 85122 A5.0 ★Texas Ratio: 6.13%	Conventional	1	0%	100%	$545,000	View
Hughes Federal Credit Union 971 W Wetmore Rd, Tucson, AZ 85705 1551 A-4.9 ★Texas Ratio: 15.97%	HELOC	0 +3 HELOCs	0%	n/a		View
Columbia Bank 145 E Main St, Mesa, AZ 85201 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
V.I.P. Mortgage, Inc.	Conventional, FHA, VA, Jumbo	153	2.7%	98.1%	$390,947
The Loan Store, Inc	Conventional, FHA, VA, HELOC	50 +12 HELOCs	0.9%	96.4%	$351,200
NOVA Financial & Investment Corporation	Conventional, FHA, VA, HELOC	43 +1 HELOCs	0.7%	82.7%	$303,604
Homeowners Financial Group, LLC	Conventional, FHA, VA	16	0.3%	100%	$388,125
Peoples Mortgage Company	Conventional, FHA	14	0.2%	100%	$316,428
Geneva Financial LLC	Conventional, FHA, VA	13	0.2%	92.9%	$293,461
New West Lending, Inc.	Conventional, FHA, VA	7	0.1%	87.5%	$442,142
Altitude Financial Corporation	Conventional, VA	6	0.1%	85.7%	$383,333
Champions Funding, LLC	Conventional	5	0.1%	83.3%	$425,000
Sun American Mortgage Company	Conventional	3	0.1%	100%	$465,000
Oaktree Funding Corp	Conventional, FHA	3	0.1%	80%	$488,333
Starboard Financial Management, LLC	Conventional, FHA	3	0.1%	100%	$428,333
Valon Mortgage	Conventional, FHA, HELOC	2 +9 HELOCs	0%	60%	$185,000
Saygo Home Loans, LLC	Conventional, VA	2	0%	66.7%	$265,000
Peak Residential Lending Inc	FHA	1	0%	100%	$325,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	596 +37 HELOCs	10.3%	90.6%	$402,902
Taylor Morrison Home Funding, Inc.	Conventional, FHA, VA	516	8.9%	87.3%	$427,926
Rocket Mortgage	Conventional, FHA, VA	418	7.2%	83.3%	$267,177
Lennar Mortgage, LLC	Conventional, FHA, VA	308	5.3%	88.8%	$399,577
Fairway Independent Mort Corp	Conventional, FHA, VA, HELOC	201 +2 HELOCs	3.5%	96.2%	$359,029
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	183 +5 HELOCs	3.2%	92.4%	$335,491
Nfm, Inc	Conventional, FHA, VA	168	2.9%	97.7%	$420,892
DHI Mortgage Company, LTD.	Conventional, FHA, VA	140	2.4%	89.2%	$409,428
Pulte Mortgage LLC	Conventional, FHA, VA	112	1.9%	88.4%	$464,107
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	109	1.9%	89%	$299,678
Inspire Home Loans Inc.	Conventional, FHA, VA	106	1.8%	81.8%	$397,452
Freedom Mortgage Corporation	Conventional, FHA, VA	101	1.8%	93.1%	$411,435
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	95 +5 HELOCs	1.6%	92.4%	$412,473
Homeamerican Mortgage Corporation	Conventional, FHA, VA	93	1.6%	93%	$470,268
Guild Mortgage Company	Conventional, FHA, VA, USDA	90	1.6%	95%	$343,222
Mattamy Home Funding LLC	Conventional, FHA, VA	85	1.5%	94.4%	$465,823
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	67 +9 HELOCs	1.2%	95.7%	$404,104
Newrez LLC	Conventional, FHA, VA	57	1%	71.3%	$365,701
Kbhs Home Loans, LLC	Conventional, FHA, VA	55	1%	96.6%	$368,090
Toll Brothers Mortgage Company	Conventional, FHA, VA, Jumbo	53	0.9%	91.5%	$539,528
New American Funding, LLC.	Conventional, FHA, VA, HELOC	52 +5 HELOCs	0.9%	86.7%	$348,846
Nationstar Mortgage	Conventional, FHA, VA	52	0.9%	81.5%	$212,500
Mortgage Research Center	VA	50	0.9%	59.3%	$425,400
Spring Eq, LLC	Conventional, HELOC	46 +21 HELOCs	0.8%	54.3%	$80,869
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	45 +22 HELOCs	0.8%	73.1%	$244,111
Cmg Mortgage Inc	Conventional, FHA, VA, HELOC	44 +14 HELOCs	0.8%	95.9%	$405,909
Nest Home Lending, LLC	Conventional, FHA, VA	41	0.7%	100%	$377,926
Click n' Close, Inc.	Conventional, FHA	39	0.7%	95.1%	$211,666
Velocio Mortgage, L.L.C.	Conventional, FHA, VA	38	0.7%	100%	$404,736
Paramount Residential Mortgage	Conventional, FHA, VA	34	0.6%	100%	$394,705
Zillow Home Loans, LLC	Conventional, FHA, VA, Jumbo	32	0.6%	94.1%	$377,500
Acrisure Mortgage, LLC	Conventional, FHA, VA	30	0.5%	100%	$450,666
Alameda Mortgage Corporation	Conventional, FHA, VA	29	0.5%	100%	$382,931
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	29	0.5%	85.3%	$389,482	View
Universal Lending Corporation	Conventional, FHA, VA	26	0.5%	96.3%	$388,076
American Pacific Mortgage Corporation	Conventional, FHA, VA	25	0.4%	86.2%	$373,400
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	24 +1 HELOCs	0.4%	100%	$362,083
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	23	0.4%	44.4%	$314,565
Kind Lending, LLC	Conventional, FHA, VA, HELOC	21 +1 HELOCs	0.4%	60%	$360,238
Union Home Mortgage Corp.	Conventional, FHA, VA	20	0.3%	100%	$440,000
Amerisave Mortgage Company	Conventional, FHA, VA	19	0.3%	32.8%	$169,210
American Financial Network, Inc.	Conventional, FHA, VA	19	0.3%	86.4%	$388,684
Brookhollow Mortgage Services, Ltd	Conventional, FHA, VA	18	0.3%	100%	$429,444
Mutual of Omaha Mortgage	Conventional, FHA, VA, HELOC	16 +1 HELOCs	0.3%	90%	$375,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	15	0.3%	45.9%	$282,333
Primelending	Conventional, FHA, VA	14	0.2%	88.2%	$308,571
Securitynational Mortgage Company	Conventional, FHA, VA	14	0.2%	66.7%	$395,714
Village Capital & Investment	FHA, VA	14	0.2%	75%	$487,857
Guaranteed Rate Affinity, LLC	Conventional, FHA, HELOC	13 +1 HELOCs	0.2%	100%	$286,538
Cardinal Financial Company, Li	Conventional, FHA, VA	13	0.2%	93.8%	$327,307
Goodleap, LLC	Conventional, FHA, VA, HELOC	12 +19 HELOCs	0.2%	81.2%	$310,000
Discover Bank	Conventional	12	0.2%	31.6%	$60,833
Efinity Financial LLC	Conventional, FHA, VA	12	0.2%	92.3%	$386,666
Evo Home Loans, LLC dba Epiq Lending	Conventional, VA, USDA, HELOC	11 +3 HELOCs	0.2%	92.3%	$337,727
Equity Prime Mortgage LLC	FHA, VA	11	0.2%	55%	$355,000
Sun West Mortgage Company, Inc A+5.0 ★Texas Ratio: 2.68%	Conventional, FHA, VA	11	0.2%	84.2%	$354,090	View
Lower, LLC	Conventional, FHA, HELOC	10 +2 HELOCs	0.2%	83.3%	$326,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA, Jumbo	10	0.2%	62.5%	$385,000	View
Planet Home Lending, LLC	Conventional, FHA, VA	10	0.2%	90.9%	$322,000
Provident Funding Associates	Conventional	10	0.2%	83.3%	$351,000
Nations Lending Corporation	Conventional, FHA, VA	10	0.2%	100%	$391,000
Waterstone Mortgage Corporation	Conventional, FHA, VA	10	0.2%	100%	$389,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	10	0.2%	71.4%	$120,000	View
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	10	0.2%	100%	$385,000
America First Federal Credit Union A5.0 ★Texas Ratio: 8.33%	Conventional, HELOC	9 +6 HELOCs	0.2%	81.8%	$108,333
American Financial Resources LLC	Conventional, FHA, VA	9	0.2%	100%	$392,777
Residential Mortgage, LLC A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA, VA	9	0.2%	100%	$395,000	View
AdvantageFirst Lending Inc	Conventional, FHA, VA	9	0.2%	81.8%	$346,111
Castle & Cooke Mortgage, LLC	Conventional, FHA, VA	9	0.2%	90%	$367,222
Prosperity Home Mortgage, LLC	Conventional, FHA	9	0.2%	90%	$320,555
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA	8	0.1%	100%	$400,000	View
Canopy Mortgage, LLC	Conventional, FHA, VA	8	0.1%	100%	$447,500
Loanunited.Com, LLC	FHA, VA	8	0.1%	100%	$408,750
Credit Human Federal Credit Un	Conventional	8	0.1%	83.3%	$131,250
New Day Financial, LLC.	FHA, VA, Jumbo	8	0.1%	47.4%	$462,500
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	8	0.1%	100%	$295,000	View
Plaza Home Mortgage, Inc	Conventional, FHA, VA	8	0.1%	66.7%	$460,000
Cornerstone First Mortgage, LLC	Conventional, FHA	7	0.1%	100%	$433,571
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	7	0.1%	100%	$549,285	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA	7	0.1%	81.8%	$402,142	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	6	0.1%	85.7%	$443,333	View
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA	6	0.1%	100%	$318,333
PHH Mortgage Corporation	Conventional, FHA, VA	6	0.1%	100%	$415,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	6	0.1%	100%	$313,333	View
ClearPath Lending	VA	6	0.1%	100%	$490,000
Bay Equity LLC	Conventional	6	0.1%	100%	$293,333
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	6	0.1%	75%	$491,666	View
My Move Mortgage, LLC	Conventional	6	0.1%	100%	$716,666
HomeBridge Financial Services, Inc	Conventional, FHA, VA, HELOC	5 +14 HELOCs	0.1%	55.6%	$395,000
American Financing Corporation	Conventional, FHA	5	0.1%	47.4%	$109,000
Churchill Mortgage Corporation	Conventional, FHA	5	0.1%	100%	$363,000
Veritas Funding, LLC	FHA, VA	5	0.1%	100%	$319,000
Nexera Holding LLC	Conventional, Jumbo	5	0.1%	100%	$573,000
Mountain America Federal Credit Union A5.0 ★Texas Ratio: 9.78%	Conventional, HELOC	4 +4 HELOCs	0.1%	30.8%	$337,500
Pentagon Federal Credit Union	Conventional, HELOC	4 +4 HELOCs	0.1%	80%	$300,000
Better Mortgage Corporation	Conventional, FHA, HELOC	4 +2 HELOCs	0.1%	57.1%	$375,000
Sage Home Loans Corporation	Conventional, FHA	4	0.1%	80%	$417,500
AAA Capital Investment, Inc	Conventional, Jumbo	4	0.1%	100%	$440,000
Resicentral LLC	Conventional, FHA	4	0.1%	100%	$325,000
AmWest Funding Corp	Conventional, VA	4	0.1%	80%	$497,500
Bank of Colorado	Conventional, Jumbo	4	0.1%	100%	$445,000
Stg Mortgage Inc	Conventional	4	0.1%	100%	$247,500
Sierra Pacific Mortgage Co. Inc	Conventional	4	0.1%	100%	$392,500
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	4	0.1%	80%	$377,500	View
Genway Home Mortgage, Inc.	Conventional, FHA, VA	4	0.1%	66.7%	$355,000
Summit Funding.Inc	Conventional, FHA	4	0.1%	80%	$397,500
ClearEdge Lending LLC	Conventional	4	0.1%	57.1%	$325,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	4	0.1%	100%	$602,500	View
Trustone Financial Credit Union	Conventional, HELOC	3 +1 HELOCs	0.1%	100%	$65,000
Arc Home LLC	Conventional	3	0.1%	100%	$455,000
Residential Wholesale Mortgage	Conventional	3	0.1%	100%	$328,333
MortgageOne, Inc	Conventional, VA	3	0.1%	100%	$405,000
Envoy Mortgage, Ltd	Conventional, Jumbo	3	0.1%	100%	$801,666
All Credit Considered Mortgage, Inc.	Conventional	3	0.1%	100%	$395,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.1%	75%	$461,666
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	3	0.1%	100%	$288,333	View
Michigan Mutual, Inc	Conventional	3	0.1%	100%	$271,666
American Liberty Mortgage Inco	Conventional, FHA	3	0.1%	100%	$335,000
Bayshore Mortgage Funding	FHA	3	0.1%	100%	$468,333
Jet HomeLoans, LP	Conventional, FHA	3	0.1%	50%	$295,000
Direct Mortgage Loans, LLC	Conventional, VA	3	0.1%	100%	$321,666
Lendsure Mortgage Corp.	Conventional	3	0.1%	100%	$265,000
Gardner Financial Services	Conventional, FHA, VA	3	0.1%	100%	$441,666
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	3	0.1%	100%	$401,666	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	3	0.1%	100%	$391,666	View
Top Flite Financial, Inc.	Conventional, FHA	3	0.1%	75%	$278,333
Tomo Mortgage LLC	Conventional	3	0.1%	100%	$368,333
JMAC Lending, Inc.	Conventional, FHA	3	0.1%	100%	$441,666
FirstBank	Conventional, HELOC	2 +1 HELOCs	0%	66.7%	$90,000
Everett Financial, Inc.	Conventional, VA	2	0%	100%	$275,000
Filo Mortgage, LLC	Conventional	2	0%	100%	$305,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional, FHA	2	0%	100%	$435,000	View
Wallick and Volk, Inc.	FHA, VA	2	0%	100%	$525,000
Bay-Valley Mortgage Group	Conventional, FHA	2	0%	100%	$290,000
Greenbox Loans	Conventional	2	0%	100%	$205,000
Premier Lending Inc.	FHA	2	0%	100%	$435,000
First International Bank & Trust	Conventional, VA, Jumbo	2	0%	100%	$580,000
Mortgage Solutions of Colorado	Conventional, FHA	2	0%	100%	$330,000
Notre Dame Federal Credit Union	Conventional	2	0%	100%	$240,000
Citadel Servicing Corporation	Conventional	2	0%	100%	$205,000
Nations Direct Mortgage, LLC	Conventional, VA	2	0%	50%	$465,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	2	0%	100%	$1,110,000	View
21St Mortgage	Conventional	2	0%	66.7%	$250,000
Leaderone Financial Corp.	Conventional	2	0%	100%	$510,000
Quorum Federal Credit Union	Conventional, HELOC	1 +12 HELOCs	0%	100%	$55,000
Alliant Credit Union	Conventional, HELOC	1 +9 HELOCs	0%	100%	$355,000
Firefighters First Federal Credit Union	Conventional, HELOC	1 +6 HELOCs	0%	50%	$165,000
RBC Bank (Georgia), N.A.	Conventional, HELOC	1 +4 HELOCs	0%	100%	$305,000
Farmers Insurance Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0%	100%	$125,000
Global Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0%	50%	$165,000
American Airlines Federal Cred	Conventional, HELOC	1 +2 HELOCs	0%	100%	$295,000
First Technology Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	100%	$395,000
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$45,000	View
ML Mortgage Corp.	Conventional	1	0%	100%	$165,000
Pacific Residential Mortgage, LLC	FHA	1	0%	100%	$385,000
Southwest Airlines FCU	Conventional	1	0%	100%	$25,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$585,000	View
Premier Mortgage Resources, LLC	Conventional	1	0%	100%	$385,000
Royal United Mortgage LLC	Conventional	1	0%	100%	$85,000
Primary Residential Mortgage, INC.	Conventional	1	0%	100%	$475,000
Dacotah Bank A5.0 ★Texas Ratio: 12.58%	Conventional	1	0%	100%	$315,000	View
Greenstate Credit Union	Conventional	1	0%	100%	$255,000
Waukesha State Bank A+5.0 ★Texas Ratio: 1.44%	Conventional	1	0%	100%	$305,000	View
TruHome Solutions, LLC	FHA	1	0%	100%	$465,000
Infinity Equity Group, Inc.	Conventional	1	0%	100%	$375,000
Golden Empire Mortgage, Inc.	Conventional	1	0%	100%	$545,000
Washington Trust Bank A+5.0 ★Texas Ratio: 4.63%	Conventional	1	0%	100%	$425,000	View
First Farmers Bank & Trust A5.0 ★Texas Ratio: 7.53%	Conventional	1	0%	100%	$135,000	View
Kinecta Federal Credit Union	Conventional	1	0%	100%	$715,000
United Trust Bank	VA	1	0%	100%	$275,000
5Th Sreet Capital Inc.	Conventional	1	0%	100%	$465,000
Deephaven Mortgage LLC	Conventional	1	0%	50%	$365,000
Synergy One Lending, Inc.	Conventional	1	0%	100%	$395,000
General Mortgage Capital Corporation	Conventional	1	0%	100%	$245,000
ResMac Inc	Conventional	1	0%	100%	$225,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0%	100%	$605,000	View
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	100%	$235,000
City 1st Mortgage Services, LC	Conventional	1	0%	100%	$315,000
Royal Pacific Funding	Conventional	1	0%	100%	$315,000
Intercap Lending Inc	Conventional	1	0%	100%	$515,000
GreenWay Bank A+5.0 ★Texas Ratio: 2.79%	Conventional	1	0%	100%	$295,000	View
New Wave Lending Group Inc	Conventional	1	0%	100%	$465,000
Network Capital Funding Corporation	Conventional	1	0%	50%	$245,000
West Gate Bank A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0%	100%	$295,000	View
Strong Home Mortgage, LLC	Conventional	1	0%	100%	$305,000
Great Southern Bank A+5.0 ★Texas Ratio: 1.55%	Conventional	1	0%	100%	$195,000	View
Legend Lending Corporation	Conventional	1	0%	100%	$365,000
Calcon Mutual Mortgage LLC	Conventional	1	0%	100%	$455,000
Access Bank A+5.0 ★Texas Ratio: 3.62%	Conventional	1	0%	100%	$305,000	View
Evergreen Moneysource Mortgage Company	Conventional	1	0%	100%	$445,000
Capital Bank, N.A. A-5.0 ★Texas Ratio: 15.49%	VA	1	0%	100%	$485,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0%	100%	$305,000	View
Beeline Loans, Inc.	Conventional	1	0%	100%	$355,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$135,000	View
Bank First N.A. A+5.0 ★Texas Ratio: 3.47%	Conventional	1	0%	100%	$185,000	View
Franklin Loan Corporation	FHA	1	0%	100%	$475,000
First National Bank A+5.0 ★Texas Ratio: 2.40%	Conventional	1	0%	100%	$405,000	View
T2 Financial LLC	FHA	1	0%	100%	$195,000
The Anderson Financial Group, Inc.	Conventional	1	0%	100%	$485,000
CTBC Bank USA A5.0 ★Texas Ratio: 8.76%	Conventional	1	0%	100%	$245,000	View
Nicolet National Bank A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0%	100%	$365,000	View
Hometown Equity Mortgage, LLC	Conventional	1	0%	50%	$655,000
FineMark National Bank & Trust	Conventional	1	0%	100%	$225,000
Logix Federal Credit Union	Conventional	1	0%	100%	$65,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0%	100%	$335,000	View
Four Points Federal Credit Union	Conventional	1	0%	100%	$285,000
Empeople Credit Union	Conventional	1	0%	100%	$355,000
Railway Credit Union	Conventional	1	0%	100%	$175,000
Siouxland Federal Credit Union	Conventional	1	0%	100%	$665,000
Security State Bank A+5.0 ★Texas Ratio: 3.08%	Conventional	1	0%	100%	$565,000	View
Midwest Bankcentre A+5.0 ★Texas Ratio: 5.66%	Conventional	1	0%	100%	$325,000	View
Mission Loans, LLC	Conventional	1	0%	50%	$125,000
Towne Mortgage Company	FHA	1	0%	75%	$375,000
Bank of Pontiac A+5.0 ★Texas Ratio: 1.83%	Conventional	1	0%	100%	$65,000	View
Iserve Residential Lending	Conventional	1	0%	100%	$405,000
Numerica Credit Union A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0%	100%	$615,000	View
Highland Bank C+4.1 ★Texas Ratio: 26.29%	Conventional	1	0%	100%	$525,000	View
Heritage Mortgage, LLC C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0%	100%	$575,000	View
Logan Finance Corporation	Conventional	1	0%	100%	$455,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$45,000
First Continental Mortgage, Ltd.	Conventional	1	0%	100%	$345,000
CIBM Bank A5.0 ★Texas Ratio: 8.91%	Conventional	1	0%	100%	$275,000	View
First Federal Savings Bank A5.0 ★Texas Ratio: 8.80%	Conventional	1	0%	100%	$255,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	100%	$185,000	View
First National Bank of Hutchinson A+5.0 ★Texas Ratio: 2.58%	Conventional	1	0%	100%	$755,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0%	100%	$315,000	View
Right Start Mortgage, Inc	Conventional	1	0%	100%	$345,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0%	100%	$705,000	View
Timberland Bank A+5.0 ★Texas Ratio: 3.23%	Conventional	1	0%	100%	$185,000	View
Harborstone Credit Union	Conventional	1	0%	100%	$425,000
Nuvision Federal Credit Union	Conventional	1	0%	100%	$425,000
Marquette Bank A+5.0 ★Texas Ratio: 0.74%	Conventional	1	0%	100%	$535,000	View
Frandsen Bank & Trust A+5.0 ★Texas Ratio: 5.91%	Conventional	1	0%	100%	$175,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0%	25%	$165,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0%	100%	$445,000
Goprime Mortgage, Inc.	VA	1	0%	100%	$445,000
Vista Point Mortgage, LLC	Conventional	1	0%	100%	$115,000
The Mortgage Link, Inc.	VA	1	0%	100%	$425,000
Luxury Mortgage Corp.	Conventional	1	0%	100%	$595,000
Key Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	100%	$365,000	View
American Neighborhood Mortgage Acceptance Company	Conventional, Jumbo	1	0%	100%	$1,185,000
Meriwest Credit Union	Conventional	1	0%	100%	$45,000
Origin Bank A5.0 ★Texas Ratio: 6.66%	Conventional	1	0%	100%	$375,000	View
Figure Lending LLC	HELOC	0 +37 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +30 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +17 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +8 HELOCs	0%	n/a		View
Boeing Employees' Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +5 HELOCs	0%	50%		View
Gte Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Tower Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Surprise Mortgage Rate Trends

Daily average mortgage rates for Arizona compared with the national average, updated every evening.

30-Year Fixed AZ Avg

7.415%

▲ 0.058 vs 7 days ago

15-Year Fixed AZ Avg

6.885%

▲ 0.031 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Surprise, Arizona

Looking for mortgage lenders near me or mortgage brokers near me in Surprise? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Surprise in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Surprise, AZ

Use these to narrow the list above. Each category shows how many Surprise, AZ lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 182 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 76 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 42 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 118 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 104 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 23 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AZ 27 lenders headquartered in Arizona, the closest thing to a mortgage lender near you

Who Lends in Surprise, AZ

Independent mortgage companies closed 87.7 percent of home loans in Surprise, Arizona in 2025, banks 6.7 percent and credit unions 5.5 percent. V.I.P. Mortgage, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Credit Union West the largest credit union. Among lenders headquartered in Arizona, Credit Union West led with 58 loans.

87.7%

Mortgage companies

6.7%

Banks

5.5%

Credit unions

28%

FHA loans

16%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Arizona. None. The Arizona Constitution bars real estate transfer taxes; only a $2 affidavit of value fee and flat recording fees apply.

More Arizona Mortgage Lender Pages

All Arizona lenders 836 lenders Phoenix 477 lenders Mesa 396 lenders Tucson 262 lenders Buckeye 263 lenders Gilbert 308 lenders San Tan Valley 268 lenders Peoria 291 lenders Chandler 292 lenders Scottsdale 366 lenders Glendale 252 lenders Goodyear 252 lenders Queen Creek 258 lenders

Frequently Asked Questions About Mortgage Lenders in Surprise, AZ

Who is the largest mortgage lender in Surprise, AZ?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Surprise, Arizona with 51 loans, about 0.9 percent of the market. The largest lender headquartered in Arizona was Credit Union West with 58 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Surprise, AZ have the highest approval rates?

Among lenders with meaningful volume in Surprise, Arizona, V.I.P. Mortgage, Inc. approved the highest share of completed applications in 2025 at 98.1 percent, against a 85.7 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Surprise, AZ mortgage lenders offer FHA, VA and USDA loans?

118 lenders closed FHA loans in Surprise, Arizona in 2025, led by United Wholesale Mortgage with 163. 104 lenders closed VA loans, led by United Wholesale Mortgage, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Surprise, AZ lender list?

Yes. 76 banks and 42 credit unions closed home loans in Surprise, Arizona in 2025, alongside 182 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Surprise, AZ ranked on this page?

Lenders are ranked only by the number of home loans they closed in Surprise, Arizona during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Surprise, Arizona for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Surprise. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.