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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 Conventional Mortgage Lenders in Lake Havasu City

Updated February 5, 2026

Market Overview

Total Lenders

2,705

Total Loans

0.42%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,372	-0.480%	32
2	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$975	-0.070%	16
3	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,268	+0.156%	31
4	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,227	+0.223%	433
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,350	+0.315%	275
6	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,832	+0.098%	51
7	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$3,035	+0.451%	51
8	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,274	+0.265%	29
9	Bank of America, National Association	Strong	Strong	Exceptional	Strong	Acceptable	$329	+0.579%	10
10	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,253	+0.481%	173
11	SUN AMERICAN MORTGAGE COMPANY	Strong	Sound	Strong	Strong	Strong	$2,411	+0.178%	55
12	Zions Bancorporation, N.A.	Strong	Strong	Strong	Sound	Sound	$1,348	-0.104%	14
13	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,883	+0.546%	158
14	INSPIRE HOME LOANS INC.	Strong	Acceptable	Strong	Strong	Exceptional	$911	+0.463%	118
15	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,505	+0.138%	103
16	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,629	+0.359%	77
17	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,002	+0.812%	56
18	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,085	+0.312%	47
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,487	+0.691%	46
20	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,208	-0.065%	44
21	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$3,263	-0.050%	35
22	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,052	+0.647%	15
23	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Acceptable	$3,561	+0.613%	10
24	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,459	+0.767%	145
25	MASON MCDUFFIE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$2,051	+0.320%	38
26	Glacier Bank	Strong	Acceptable	Exceptional	Sound	Strong	$3,378	+0.101%	32
27	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,861	+0.646%	32
28	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,022	+0.344%	27
29	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,906	+0.395%	17
30	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,753	+0.756%	17
31	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$5,258	+0.011%	17
32	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,946	+0.422%	17
33	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$5,216	-0.111%	17
34	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,157	+0.089%	15
35	NOVA FINANCIAL & INVESTMENT CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,486	+1.140%	15
36	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,189	+0.585%	13
37	Mountain America Federal Credit Union	Strong	Sound	Strong	Sound	Sound	$2,747	+0.001%	11
38	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,242	+0.759%	19
39	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,380	+0.493%	18
40	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Sound	$1,519	-0.116%	14
41	GENEVA FINANCIAL, LLC	Sound	Mediocre	Strong	Strong	Strong	$4,927	+0.708%	58
42	Arizona Financial Credit Union	Sound	Acceptable	Sound	Sound	Strong	$3,234	+0.282%	50
43	RESIDENTIAL WHOLESALE MORTGAGE, INC.	Sound	Acceptable	Strong	Sound	Sound	$1,483	+0.454%	22
44	ZILLOW HOME LOANS, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,080	+0.692%	12
45	GARDNER FINANCIAL SERVICES, LTD.	Sound	Mediocre	Strong	Strong	Sound	$4,932	+0.575%	17
46	PACIFIC RESIDENTIAL MORTGAGE, LLC	Sound	Mediocre	Strong	Strong	Sound	$3,963	+0.745%	17
47	SECURITYNATIONAL MORTGAGE COMPANY	Sound	Mediocre	Strong	Sound	Sound	$4,439	+0.848%	16
48	US MORTGAGE CORPORATION	Sound	Mediocre	Strong	Sound	Sound	$4,359	+0.337%	12
49	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Acceptable	$3,415	+0.269%	10

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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