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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 Company Lenders in Lake Havasu City
Updated February 5, 2026
Market Overview
42
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $975 | -0.070% | 16 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,227 | +0.223% | 433 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,350 | +0.315% | 275 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,832 | +0.098% | 51 | |
5 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Strong | $2,411 | +0.178% | 55 | |
6 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,883 | +0.546% | 158 | |
7 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Exceptional | $911 | +0.463% | 118 | |
8 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,505 | +0.138% | 103 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,629 | +0.359% | 77 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,002 | +0.812% | 56 | |
11 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,085 | +0.312% | 47 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,487 | +0.691% | 46 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,208 | -0.065% | 44 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,263 | -0.050% | 35 | |
15 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,052 | +0.647% | 15 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Acceptable | $3,561 | +0.613% | 10 | |
17 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,459 | +0.767% | 145 | |
18 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,051 | +0.320% | 38 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,861 | +0.646% | 32 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,022 | +0.344% | 27 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,906 | +0.395% | 17 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,753 | +0.756% | 17 | |
23 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,258 | +0.011% | 17 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,946 | +0.422% | 17 | |
25 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $5,216 | -0.111% | 17 | |
26 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,157 | +0.089% | 15 | |
27 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,486 | +1.140% | 15 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,189 | +0.585% | 13 | |
29 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,242 | +0.759% | 19 | |
30 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,380 | +0.493% | 18 | |
31 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,927 | +0.708% | 58 | |
32 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | Sound | $1,483 | +0.454% | 22 | |
33 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,080 | +0.692% | 12 | |
34 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | Sound | $4,932 | +0.575% | 17 | |
35 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $3,963 | +0.745% | 17 | |
36 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Sound | $4,439 | +0.848% | 16 | |
37 | US MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Sound | $4,359 | +0.337% | 12 | |
38 | HOMEXPRESS MORTGAGE CORP. | Sound | Mediocre | Strong | Acceptable | Sound | $4,194 | +1.788% | 12 | |
39 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Acceptable | $3,415 | +0.269% | 10 | |
40 | Equity Prime Mortgage LLC | Sound | Mediocre | Sound | Acceptable | Sound | $4,169 | +0.950% | 19 | |
41 | VILLAGE CAPITAL & INVESTMENT LLC | Acceptable | Acceptable | Mediocre | Mediocre | Sound | $2,487 | +0.420% | 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)
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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