Safe Rate Rankings

Best Conventional Mortgage Lenders in Lake Havasu City

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders56

Total Loans2,705

Median Rate Spread0.42%

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