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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Lake Havasu City
Updated February 5, 2026
Market Overview
56
Total Lenders
2,705
Total Loans
0.42%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,227 | +0.223% | 433 | |
2 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $1,372 | -0.480% | 32 | |
3 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Exceptional | $911 | +0.463% | 118 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,268 | +0.156% | 31 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,350 | +0.315% | 275 | |
6 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | $2,411 | +0.178% | 55 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,832 | +0.098% | 51 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $3,035 | +0.451% | 51 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,208 | -0.065% | 44 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,274 | +0.265% | 29 | |
11 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $3,253 | +0.481% | 173 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,629 | +0.359% | 77 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,487 | +0.691% | 46 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $3,263 | -0.050% | 35 | |
15 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,883 | +0.546% | 158 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $3,459 | +0.767% | 145 | |
17 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,505 | +0.138% | 103 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $4,320 | +0.286% | 75 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,002 | +0.812% | 56 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,085 | +0.312% | 47 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,861 | +0.646% | 32 | |
22 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $4,927 | +0.708% | 58 | |
23 | Arizona Financial Credit Union | Sound | Acceptable | Sound | Strong | $3,234 | +0.282% | 50 | |
24 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $2,051 | +0.320% | 38 | |
25 | Glacier Bank | Sound | Acceptable | Sound | Strong | $3,378 | +0.101% | 32 | |
26 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,022 | +0.344% | 27 | |
27 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $1,483 | +0.454% | 22 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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