# Best FHA Mortgage Lenders in Lake Havasu City

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

Compare the top FHA 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/fha-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 | 88 | 52 | 81 | 433 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 44 | Independent Mortgage Company |
| 3 | Flagstar Bank, N.A. | 83 | 58 | 71 | 173 | Bank |
| 4 | INSPIRE HOME LOANS INC. | 83 | 53 | 75 | 118 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 275 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 51 | Independent Mortgage Company |
| 7 | THE LOAN STORE, INC. | 79 | 49 | 72 | 47 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 46 | Independent Mortgage Company |
| 9 | SUN AMERICAN MORTGAGE COMPANY | 74 | 42 | 62 | 55 | Independent Mortgage Company |
| 10 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 35 | Independent Mortgage Company |
| 11 | GoodLeap, LLC | 73 | 62 | 58 | 17 | Independent Mortgage Company |
| 12 | NOVA FINANCIAL & INVESTMENT CORPORATION | 73 | 47 | 79 | 15 | Independent Mortgage Company |
| 13 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 25 | 69 | 103 | Independent Mortgage Company |
| 14 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 77 | Independent Mortgage Company |
| 15 | MASON MCDUFFIE MORTGAGE CORPORATION | 67 | 29 | 77 | 38 | Independent Mortgage Company |
| 16 | AMERICAN PACIFIC MORTGAGE CORPORATION | 67 | 10 | 81 | 145 | Independent Mortgage Company |
| 17 | CMG MORTGAGE, INC. | 66 | 32 | 79 | 32 | Independent Mortgage Company |
| 18 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 19 | Independent Mortgage Company |
| 19 | GENEVA FINANCIAL, LLC | 63 | 10 | 85 | 58 | Independent Mortgage Company |
| 20 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | 63 | 34 | 71 | 22 | Independent Mortgage Company |
| 21 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 63 | 34 | 71 | 17 | Independent Mortgage Company |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 56 | Independent Mortgage Company |
| 23 | NEW AMERICAN FUNDING, LLC | 59 | 19 | 57 | 158 | Independent Mortgage Company |
| 24 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 27 | Independent Mortgage Company |
| 25 | US MORTGAGE CORPORATION | 53 | 12 | 65 | 12 | 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.