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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,227 | +0.223% | 433 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,208 | -0.065% | 44 | |
3 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,253 | +0.481% | 173 | |
4 | INSPIRE HOME LOANS INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $911 | +0.463% | 118 | |
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 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,085 | +0.312% | 47 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,263 | -0.050% | 35 | |
9 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $5,216 | -0.111% | 17 | |
10 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Strong | $2,411 | +0.178% | 55 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,487 | +0.691% | 46 | |
12 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $3,486 | +1.140% | 15 | |
13 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,459 | +0.767% | 145 | |
14 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,505 | +0.138% | 103 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,629 | +0.359% | 77 | |
16 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,927 | +0.708% | 58 | |
17 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,051 | +0.320% | 38 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,861 | +0.646% | 32 | |
19 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,169 | +0.950% | 19 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,883 | +0.546% | 158 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,002 | +0.812% | 56 | |
22 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,483 | +0.454% | 22 | |
23 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,963 | +0.745% | 17 | |
24 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,022 | +0.344% | 27 | |
25 | US MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Sound | $4,359 | +0.337% | 12 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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