Safe Rate Rankings

Best VA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,227Fees	0.223%Above	433
2	INSPIRE HOME LOANS INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$911Fees	0.463%Above	118
3	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,505Fees	0.138%Above	103
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,208Fees	0.065%Below	44
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,372Fees	0.480%Below	32
6	Flagstar Bank, N.A.Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,253Fees	0.481%Above	173
7	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$3,263Fees	0.050%Below	35
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,350Fees	0.315%Above	275
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,832Fees	0.098%Above	51
10	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,861Fees	0.646%Above	32
11	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,753Fees	0.756%Above	17
12	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,519Fees	0.116%Below	14
13	SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,411Fees	0.178%Above	55
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,487Fees	0.691%Above	46
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,629Fees	0.359%Above	77
16	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,320Fees	0.286%Above	75
17	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,459Fees	0.767%Above	145
18	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,927Fees	0.708%Above	58
19	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$3,883Fees	0.546%Above	158
20	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$2,051Fees	0.320%Above	38
21	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,663Fees	1.337%Above	11

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.