# Best Conventional Mortgage Lenders in Lake Havasu City

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Lake Havasu City. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/lake-havasu-city/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 56
- **Total Loans:** 2,705
- **Median Rate Spread:** 0.4209636363636363%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 433 | Independent Mortgage Company |
| 2 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 275 | Independent Mortgage Company |
| 3 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 51 | Independent Mortgage Company |
| 4 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 51 | Bank |
| 5 | U.S. Bank National Association | 79 | 75 | 69 | 31 | Bank |
| 6 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 32 | Credit Union |
| 7 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 16 | Independent Mortgage Company |
| 8 | Flagstar Bank, N.A. | 75 | 34 | 72 | 173 | Bank |
| 9 | SUN AMERICAN MORTGAGE COMPANY | 74 | 45 | 62 | 55 | Independent Mortgage Company |
| 10 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 29 | Bank |
| 11 | INSPIRE HOME LOANS INC. | 71 | 40 | 61 | 118 | Independent Mortgage Company |
| 12 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 103 | Independent Mortgage Company |
| 13 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 77 | Independent Mortgage Company |
| 14 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 56 | Independent Mortgage Company |
| 15 | THE LOAN STORE, INC. | 71 | 39 | 71 | 47 | Independent Mortgage Company |
| 16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 46 | Independent Mortgage Company |
| 17 | Bank of America, National Association | 71 | 71 | 67 | 10 | Bank |
| 18 | NEW AMERICAN FUNDING, LLC | 70 | 26 | 60 | 158 | Independent Mortgage Company |
| 19 | V.I.P. MORTGAGE, INC. | 70 | 29 | 82 | 15 | Independent Mortgage Company |
| 20 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 44 | Independent Mortgage Company |
| 21 | Zions Bancorporation, N.A. | 69 | 76 | 48 | 14 | Bank |
| 22 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 35 | Independent Mortgage Company |
| 23 | MASON MCDUFFIE MORTGAGE CORPORATION | 67 | 26 | 70 | 38 | Independent Mortgage Company |
| 24 | Glacier Bank | 66 | 31 | 58 | 32 | Bank |
| 25 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 32 | Independent Mortgage Company |
| 26 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 27 | Independent Mortgage Company |
| 27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 17 | Independent Mortgage Company |
| 28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 66 | 21 | 68 | 17 | Independent Mortgage Company |
| 29 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 17 | Independent Mortgage Company |
| 30 | Paramount Residential Mortgage Group, Inc. | 66 | 24 | 60 | 17 | Independent Mortgage Company |
| 31 | NOVA FINANCIAL & INVESTMENT CORPORATION | 66 | 38 | 74 | 15 | Independent Mortgage Company |
| 32 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 70 | 15 | Independent Mortgage Company |
| 33 | MOVEMENT MORTGAGE, LLC | 66 | 34 | 77 | 13 | Independent Mortgage Company |
| 34 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 66 | 40 | 74 | 10 | Independent Mortgage Company |
| 35 | GoodLeap, LLC | 64 | 49 | 51 | 17 | Independent Mortgage Company |
| 36 | Mountain America Federal Credit Union | 64 | 41 | 51 | 11 | Credit Union |
| 37 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 15 | 75 | 145 | Independent Mortgage Company |
| 38 | NEWREZ LLC | 62 | 31 | 58 | 19 | Independent Mortgage Company |
| 39 | GUARANTEED RATE AFFINITY, LLC | 62 | 32 | 54 | 18 | Independent Mortgage Company |
| 40 | Arizona Financial Credit Union | 58 | 34 | 60 | 50 | Credit Union |
| 41 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | 58 | 32 | 55 | 22 | Independent Mortgage Company |
| 42 | USAA Federal Savings Bank | 58 | 53 | 27 | 14 | Bank |
| 43 | ZILLOW HOME LOANS, LLC | 58 | 32 | 50 | 12 | Independent Mortgage Company |
| 44 | GENEVA FINANCIAL, LLC | 57 | 15 | 73 | 58 | Independent Mortgage Company |
| 45 | GARDNER FINANCIAL SERVICES, LTD. | 53 | 14 | 65 | 17 | Independent Mortgage Company |
| 46 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 53 | 18 | 66 | 17 | Independent Mortgage Company |
| 47 | SECURITYNATIONAL MORTGAGE COMPANY | 49 | 8 | 47 | 16 | Independent Mortgage Company |
| 48 | US MORTGAGE CORPORATION | 49 | 20 | 40 | 12 | Independent Mortgage Company |
| 49 | ROYAL UNITED MORTGAGE LLC | 48 | 4 | 62 | 10 | Independent Mortgage Company |
| 50 | OCMBC, INC. | 44 | 9 | 52 | 10 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Lake Havasu City.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.