LAKE HAVASU CITY - KINGMAN Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Lake Havasu City - Kingman averaged
7.04%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.07% and
one month ago for the week of 2025-05-15, the
average rate was 6.94%.
Lake Havasu City - Kingman's average rate one year ago was 7.28%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.29%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Lake Havasu City - Kingman 30 Year Fixed Rate | 2025-06-18 | 7.04% |
| Lake Havasu City - Kingman 30 Year Fixed Rate Refi | 2025-06-18 | 7.29% |
| Lake Havasu City - Kingman 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Lake Havasu City - Kingman 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Lake Havasu City - Kingman 30 Year FHA | 2025-06-18 | 0.24% |
| Lake Havasu City - Kingman 30 Year FHA Refi | 2025-06-18 | 0% |
| Lake Havasu City - Kingman 30 Year USDA | 2025-06-18 | 0.1% |
| Lake Havasu City - Kingman 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Lake Havasu City - Kingman 30 Year VA | 2025-06-18 | -0.03% |
| Lake Havasu City - Kingman 30 Year VA Refi | 2025-06-18 | -0.35% |
LAKE HAVASU CITY - KINGMAN Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the LAKE HAVASU CITY-KINGMAN, AZ market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
LAKE HAVASU CITY - KINGMAN Average Closing Costs & Other Stats
LAKE HAVASU CITY-KINGMAN, AZ's 217 lenders originated 5,738
loans during 2024. The total origination value was $1,458,320,000, with an average loan value of
$254,151.
LAKE HAVASU CITY - KINGMAN's average closing costs are $5,810.
The top LAKE HAVASU CITY - KINGMAN lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
322 loans originated. Their average total fees are
$8,608, which is $1,115
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee LAKE HAVASU CITY - KINGMAN lenders (with over 10 loans originated) are
PROVIDENT FUNDING ASSOCIATES, L.P. ($4,117), RESIDENTIAL WHOLESALE MORTGAGE, INC. ($4,270), SUN AMERICAN MORTGAGE COMPANY ($4,467), Bank of America ($4,655) and INSPIRE HOME LOANS INC. ($4,795).
The lowest rate LAKE HAVASU CITY - KINGMAN lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (6.08%), INSPIRE HOME LOANS INC. (6.41%), GENEVA FINANCIAL, LLC (6.53%), PROVIDENT FUNDING ASSOCIATES, L.P. (6.57%) and LOANDEPOT.COM, LLC (6.59%).
LAKE HAVASU CITY-KINGMAN, AZ Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $169,600,000 | $214,635,000 | 26.6% | 14.7% |
| QUICKEN LOANS, LLC | $88,500,000 | $110,215,000 | 24.5% | 7.6% |
| Flagstar Bank, FSB | $50,865,000 | $65,045,000 | 27.9% | 4.5% |
| BROKER SOLUTIONS, INC. | $52,630,000 | $58,525,000 | 11.2% | 4.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $36,580,000 | $43,325,000 | 18.4% | 3.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $34,605,000 | $39,500,000 | 14.1% | 2.7% |
| Mortgage Research Center, LLC | $20,155,000 | $27,935,000 | 38.6% | 1.9% |
| INSPIRE HOME LOANS INC. | $19,715,000 | $27,275,000 | 38.3% | 1.9% |
| GUILD MORTGAGE COMPANY | $7,200,000 | $26,735,000 | 271.3% | 1.8% |
| ARIZONA | $31,525,000 | $25,380,000 | -19.5% | 1.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $11,280,000 | $23,950,000 | 112.3% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $8,755,000 | $22,655,000 | 158.8% | 1.6% |
| Zions Bank | $17,275,000 | $22,340,000 | 29.3% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $13,495,000 | $20,975,000 | 55.4% | 1.4% |
| ORIX REAL ESTATE CAPITAL, LLC | $20,855,000 | n/a | 1.4% | |
| JPMorgan Chase Bank | $19,820,000 | $20,475,000 | 3.3% | 1.4% |
| U.S. Bank | $17,560,000 | $20,140,000 | 14.7% | 1.4% |
| Glacier Bank | $16,820,000 | $19,810,000 | 17.8% | 1.4% |
| LOANDEPOT.COM, LLC | $21,435,000 | $19,630,000 | -8.4% | 1.3% |
| The Loan Store, Inc. | $1,540,000 | $18,975,000 | 1,132.1% | 1.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $22,225,000 | $17,920,000 | -19.4% | 1.2% |
| GENEVA FINANCIAL, LLC | $10,520,000 | $16,075,000 | 52.8% | 1.1% |
| SUN AMERICAN MORTGAGE COMPANY | $19,640,000 | $14,625,000 | -25.5% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $8,965,000 | $13,945,000 | 55.5% | 1.0% |
| CMG MORTGAGE, INC. | $3,900,000 | $13,885,000 | 256.0% | 1.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,520,000 | $12,565,000 | 726.6% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,905,000 | $10,195,000 | 29.0% | 0.7% |
| HOMEXPRESS MORTGAGE CORP. | $12,470,000 | $9,405,000 | -24.6% | 0.6% |
| VILLAGE CAPITAL MORTGAGE | $3,820,000 | $9,080,000 | 137.7% | 0.6% |
| Wells Fargo Bank | $9,845,000 | $8,780,000 | -10.8% | 0.6% |
| NEWREZ LLC | $7,715,000 | $8,315,000 | 7.8% | 0.6% |
| AMERICA FIRST | $9,435,000 | $7,995,000 | -15.3% | 0.5% |
| Morgan Stanley Private Bank | $1,540,000 | $7,985,000 | 418.5% | 0.5% |
| 21ST MORTGAGE CORPORATION | $10,075,000 | $7,920,000 | -21.4% | 0.5% |
| BMO Harris Bank | $7,125,000 | $7,765,000 | 9.0% | 0.5% |
| Equity Prime Mortgage LLC | $2,695,000 | $7,500,000 | 178.3% | 0.5% |
| GUARANTEED RATE, INC. | $3,660,000 | $7,345,000 | 100.7% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $10,145,000 | $7,230,000 | -28.7% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,875,000 | $7,230,000 | -8.2% | 0.5% |
| MOUNTAIN AMERICA | $6,775,000 | $7,090,000 | 4.6% | 0.5% |
| GUARANTEED RATE AFFINITY, LLC | $4,845,000 | $6,955,000 | 43.6% | 0.5% |
| FINANCE OF AMERICA REVERSE LLC | $3,095,000 | $6,800,000 | 119.7% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,935,000 | $6,760,000 | 37.0% | 0.5% |
| SUN WEST MORTGAGE COMPANY, INC. | $2,570,000 | $6,405,000 | 149.2% | 0.4% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $6,270,000 | n/a | 0.4% | |
| Bank of America | $6,370,000 | $5,825,000 | -8.6% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $5,935,000 | $5,715,000 | -3.7% | 0.4% |
| PNC Bank | $7,620,000 | $5,715,000 | -25.0% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $345,000 | $5,705,000 | 1,553.6% | 0.4% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $2,185,000 | $5,645,000 | 158.4% | 0.4% |
| Century Mortgage Company DBA Century Lending Company | $1,035,000 | $5,520,000 | 433.3% | 0.4% |
| V.I.P. MORTGAGE, INC. | $7,540,000 | $5,325,000 | -29.4% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $7,575,000 | $5,195,000 | -31.4% | 0.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | $4,955,000 | $5,045,000 | 1.8% | 0.3% |
| GARDNER FINANCIAL SERVICES, LTD. | $965,000 | $5,010,000 | 419.2% | 0.3% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $8,050,000 | $4,970,000 | -38.3% | 0.3% |
| OCMBC, INC. | $3,295,000 | $4,890,000 | 48.4% | 0.3% |
| USAA Federal Savings Bank | $3,540,000 | $4,830,000 | 36.4% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $1,740,000 | $4,755,000 | 173.3% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,625,000 | $4,700,000 | 189.2% | 0.3% |
| NEXERA HOLDING LLC | $2,000,000 | $4,675,000 | 133.8% | 0.3% |
| UNION HOME MORTGAGE CORP. | $4,275,000 | $4,450,000 | 4.1% | 0.3% |
| LOANPAL, LLC | $2,725,000 | $4,180,000 | 53.4% | 0.3% |
| PLANET HOME LENDING, LLC | $1,775,000 | $4,145,000 | 133.5% | 0.3% |
| FBC MORTGAGE, LLC | $6,360,000 | $4,130,000 | -35.1% | 0.3% |
| CASTLE & COOKE MORTGAGE, LLC | $205,000 | $3,980,000 | 1,841.5% | 0.3% |
| ZILLOW HOME LOANS, LLC | $2,380,000 | $3,940,000 | 65.5% | 0.3% |
| CITYWIDE HOME LOANS, LLC | $810,000 | $3,770,000 | 365.4% | 0.3% |
| LONGBRIDGE FINANCIAL, LLC | $1,235,000 | $3,705,000 | 200.0% | 0.3% |
| US MORTGAGE CORPORATION | $3,705,000 | n/a | 0.3% | |
| Figure Lending LLC | $1,800,000 | $3,660,000 | 103.3% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,580,000 | $3,490,000 | 35.3% | 0.2% |
| Commerce Home Mortgage, Inc. | $5,375,000 | $3,335,000 | -38.0% | 0.2% |
| LA Financial Federal Credit Union | $1,970,000 | $3,185,000 | 61.7% | 0.2% |
| Firefighters First Federal Credit Union | $1,535,000 | $3,170,000 | 106.5% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $1,960,000 | $3,155,000 | 61.0% | 0.2% |
| MOUNTAIN WEST FINANCIAL, INC. | $6,910,000 | $3,150,000 | -54.4% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $3,475,000 | $3,135,000 | -9.8% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,825,000 | $3,105,000 | 9.9% | 0.2% |
| Franklin Loan Corporation | $3,310,000 | $3,075,000 | -7.1% | 0.2% |
| JMJ FINANCIAL GROUP | $720,000 | $3,065,000 | 325.7% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $5,760,000 | $3,045,000 | -47.1% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $2,995,000 | $3,025,000 | 1.0% | 0.2% |
| Sunflower Bank | $1,880,000 | $2,935,000 | 56.1% | 0.2% |
| Discover Bank | $2,685,000 | $2,870,000 | 6.9% | 0.2% |
| Carrington Mortgage Services, LLC | $1,675,000 | $2,705,000 | 61.5% | 0.2% |
| MORIA DEVELOPMENT, INC. | $1,550,000 | $2,660,000 | 71.6% | 0.2% |
| AMERICAN FINANCING CORPORATION | $680,000 | $2,630,000 | 286.8% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $3,400,000 | $2,625,000 | -22.8% | 0.2% |
| Charles Schwab Bank, SSB | $2,860,000 | $2,580,000 | -9.8% | 0.2% |
| NEW DAY FINANCIAL, LLC | $6,360,000 | $2,540,000 | -60.1% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $1,955,000 | $2,520,000 | 28.9% | 0.2% |
| Plains Commerce Bank | $2,700,000 | $2,490,000 | -7.8% | 0.2% |
| Gateway First Bank | $6,545,000 | $2,485,000 | -62.0% | 0.2% |
| Fifth Third Bank | $505,000 | $2,465,000 | 388.1% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,490,000 | $2,455,000 | 64.8% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $315,000 | $2,435,000 | 673.0% | 0.2% |
| PHH Mortgage Corporation | $2,375,000 | $2,435,000 | 2.5% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,550,000 | $2,380,000 | 53.5% | 0.2% |
| Nations Lending Corporation | $2,025,000 | $2,375,000 | 17.3% | 0.2% |
| BAY-VALLEY MORTGAGE GROUP | $1,870,000 | $2,295,000 | 22.7% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $1,300,000 | $2,285,000 | 75.8% | 0.2% |
| CLEARPATH LENDING | $960,000 | $2,280,000 | 137.5% | 0.2% |
| Citibank | $330,000 | $2,250,000 | 581.8% | 0.2% |
| AmeriHome Mortgage Company, LLC | $650,000 | $2,230,000 | 243.1% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,075,000 | $2,205,000 | 105.1% | 0.2% |
| BETTER MORTGAGE CORPORATION | $530,000 | $2,175,000 | 310.4% | 0.1% |
| SUMMIT FUNDING, INC. | $1,165,000 | $2,125,000 | 82.4% | 0.1% |
| Coastal Community Bank | $1,415,000 | $2,060,000 | 45.6% | 0.1% |
| NBKC BANK | $2,050,000 | n/a | 0.1% | |
| AXIA FINANCIAL, LLC | $8,735,000 | $2,040,000 | -76.6% | 0.1% |
| F&A Federal Credit Union | $1,675,000 | $1,890,000 | 12.8% | 0.1% |
| MK LENDING CORP. | $1,865,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $2,835,000 | $1,855,000 | -34.6% | 0.1% |
| RESIDENTIAL MORTGAGE, LLC | $305,000 | $1,855,000 | 508.2% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $1,565,000 | $1,825,000 | 16.6% | 0.1% |
| OAKTREE FUNDING CORP. | $1,750,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $1,140,000 | $1,725,000 | 51.3% | 0.1% |
| Citadel Servicing Corporation | $4,355,000 | $1,720,000 | -60.5% | 0.1% |
| NexBank | $410,000 | $1,715,000 | 318.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $2,400,000 | $1,685,000 | -29.8% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $1,620,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $1,855,000 | $1,615,000 | -12.9% | 0.1% |
| Cornerstone First Mortgage, Inc | $345,000 | $1,565,000 | 353.6% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,120,000 | $1,565,000 | 39.7% | 0.1% |
| ENVOY MORTGAGE, LTD | $510,000 | $1,550,000 | 203.9% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,125,000 | $1,545,000 | 37.3% | 0.1% |
| NuVision Federal Credit Union | $140,000 | $1,530,000 | 992.9% | 0.1% |
| DESERT FINANCIAL FEDERAL CREDIT UNION | $950,000 | $1,495,000 | 57.4% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,210,000 | $1,455,000 | -34.2% | 0.1% |
| ONY GLO, INC. | $1,185,000 | $1,445,000 | 21.9% | 0.1% |
| SPRING EQ, LLC | $1,120,000 | $1,425,000 | 27.2% | 0.1% |
| ML Mortgage Corp. | $145,000 | $1,405,000 | 869.0% | 0.1% |
| Lakeview Community Capital, LLC | $25,000 | $1,400,000 | 5,500.0% | 0.1% |
| Comerica Bank | $345,000 | $1,360,000 | 294.2% | 0.1% |
| Ally Bank | $480,000 | $1,340,000 | 179.2% | 0.1% |
| The Federal Savings Bank | $2,305,000 | $1,340,000 | -41.9% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $985,000 | $1,330,000 | 35.0% | 0.1% |
| LADERA LENDING, INC. | $125,000 | $1,320,000 | 956.0% | 0.1% |
| AHL FUNDING | $315,000 | $1,310,000 | 315.9% | 0.1% |
| Boeing Employees Credit Union | $1,605,000 | $1,255,000 | -21.8% | 0.1% |
| Golden Empire Mortgage, Inc. | $685,000 | $1,250,000 | 82.5% | 0.1% |
| NP, Inc. | $550,000 | $1,220,000 | 121.8% | 0.1% |
| Prosperity Home Mortgage, LLC | $670,000 | $1,220,000 | 82.1% | 0.1% |
| A&D Mortgage LLC | $2,480,000 | $1,215,000 | -51.0% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $325,000 | $1,190,000 | 266.2% | 0.1% |
| AMWEST FUNDING CORP. | $1,305,000 | $1,170,000 | -10.3% | 0.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $700,000 | $1,170,000 | 67.1% | 0.1% |
| DIRECTORS MORTGAGE, INC. | $1,140,000 | n/a | 0.1% | |
| ALTITUDE FINANCIAL CORPORATION | $590,000 | $1,125,000 | 90.7% | 0.1% |
| Home Mortgage Alliance Corp | $1,110,000 | n/a | 0.1% | |
| Northwest Farm Credit Services, FLCA | $575,000 | $1,090,000 | 89.6% | 0.1% |
| RBC Bank, (Georgia) | $1,085,000 | n/a | 0.1% | |
| Watermark Capital, Inc. | $680,000 | $1,085,000 | 59.6% | 0.1% |
| VISION ONE MORTGAGE, INC. | $1,065,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $1,715,000 | $1,060,000 | -38.2% | 0.1% |
| BAY EQUITY LLC | $560,000 | $1,045,000 | 86.6% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $725,000 | $1,005,000 | 38.6% | 0.1% |
| First-Citizens Bank & Trust Company | $125,000 | $1,005,000 | 704.0% | 0.1% |
| AUGUSTA FINANCIAL, INC. | $305,000 | $995,000 | 226.2% | 0.1% |
| DIRECT MORTGAGE, CORP. | $990,000 | n/a | 0.1% | |
| HighTechLending Inc | $750,000 | $980,000 | 30.7% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $65,000 | $975,000 | 1,400.0% | 0.1% |
| First Western Trust Bank | $965,000 | n/a | 0.1% | |
| Umpqua Bank | $860,000 | $955,000 | 11.0% | 0.1% |
| Performance Financial, Inc. | $1,035,000 | $940,000 | -9.2% | 0.1% |
| ARC HOME LLC | $2,170,000 | $930,000 | -57.1% | 0.1% |
| WESCOM CENTRAL CREDIT UNION | $420,000 | $915,000 | 117.9% | 0.1% |
| T2 FINANCIAL LLC | $900,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $750,000 | $870,000 | 16.0% | 0.1% |
| Cache Valley Bank | $485,000 | $850,000 | 75.3% | 0.1% |
| ON Q FINANCIAL, INC. | $2,975,000 | $815,000 | -72.6% | 0.1% |
| Alaska USA Federal Credit Union | $560,000 | $795,000 | 42.0% | 0.1% |
| Greenbox Loans, Inc. | $720,000 | $785,000 | 9.0% | 0.1% |
| KINECTA | $665,000 | $770,000 | 15.8% | 0.1% |
| BECKAM FUNDING CORP. | $2,800,000 | $765,000 | -72.7% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $3,675,000 | $765,000 | -79.2% | 0.1% |
| INTERCAP LENDING INC. | $1,340,000 | $755,000 | -43.7% | 0.1% |
| Logan Finance Corporation | $740,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $2,275,000 | $720,000 | -68.4% | 0.0% |
| EVERETT FINANCIAL, INC. | $2,595,000 | $700,000 | -73.0% | 0.0% |
| Truist | $815,000 | $695,000 | -14.7% | 0.0% |
| Lake Forest Bank & Trust | $675,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $310,000 | $670,000 | 116.1% | 0.0% |
| S1L, Inc. | $470,000 | $665,000 | 41.5% | 0.0% |
| Toyota Financial Savings Bank | $215,000 | $655,000 | 204.7% | 0.0% |
| PIMA Federal Credit Union | $150,000 | $650,000 | 333.3% | 0.0% |
| Keystone Funding, Inc. | $640,000 | n/a | 0.0% | |
| Ameris Bank | $545,000 | $615,000 | 12.8% | 0.0% |
| RESIDENTIAL BANCORP | $1,065,000 | $600,000 | -43.7% | 0.0% |
| Washington Federal Bank | $1,185,000 | $600,000 | -49.4% | 0.0% |
| EAGLE HOME MORTGAGE, LLC | $585,000 | n/a | 0.0% | |
| GRANITE FEDERAL CREDIT UNION | $575,000 | n/a | 0.0% | |
| NMSI, INC. | $710,000 | $570,000 | -19.7% | 0.0% |
| FIRST NATIONS HOME FINANCE CORPORATION | $555,000 | n/a | 0.0% | |
| BELEM SERVICING LLC | $545,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $600,000 | $510,000 | -15.0% | 0.0% |
| 1st Security Bank of Washington | $505,000 | n/a | 0.0% | |
| BANC ONE MORTGAGE CORPORATION | $860,000 | $495,000 | -42.4% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $495,000 | n/a | 0.0% | |
| Princeton Mortgage Corporation | $495,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE FUNDING, LLC | $480,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $480,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $1,825,000 | $470,000 | -74.2% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $320,000 | $470,000 | 46.9% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $465,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $1,015,000 | $465,000 | -54.2% | 0.0% |
| CREDIT UNION WEST | $355,000 | $460,000 | 29.6% | 0.0% |
| First National Bank of America | $125,000 | $455,000 | 264.0% | 0.0% |
| First Bank | $670,000 | $450,000 | -32.8% | 0.0% |
| VERITAS FUNDING, LLC | $675,000 | $450,000 | -33.3% | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | $805,000 | $445,000 | -44.7% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $860,000 | $445,000 | -48.3% | 0.0% |
| TJC Mortgage, Inc. | $440,000 | n/a | 0.0% | |
| MidFirst Bank | $430,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $910,000 | $430,000 | -52.7% | 0.0% |
| Texana Bank | $420,000 | n/a | 0.0% | |
| NFM, INC. | $6,910,000 | $415,000 | -94.0% | 0.0% |
| Bethpage Federal Credit Union | $410,000 | n/a | 0.0% | |
| First Savings Bank | $225,000 | $405,000 | 80.0% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $405,000 | n/a | 0.0% | |
| ARIZONA CENTRAL | $210,000 | $400,000 | 90.5% | 0.0% |
| MICHIGAN MUTUAL, INC. | $265,000 | $385,000 | 45.3% | 0.0% |
| Shea Mortgage Inc. | $365,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $355,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $205,000 | $355,000 | 73.2% | 0.0% |
| American Bank Center | $345,000 | n/a | 0.0% | |
| BEEHIVE | $345,000 | n/a | 0.0% | |
| FISHER FINANCIAL GROUP, INCORPORATED | $375,000 | $345,000 | -8.0% | 0.0% |
| State Bank of Southern Utah | $385,000 | $340,000 | -11.7% | 0.0% |
| Wallick & Volk, Inc. | $620,000 | $340,000 | -45.2% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $335,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $875,000 | $330,000 | -62.3% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $310,000 | $320,000 | 3.2% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $145,000 | $315,000 | 117.2% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $305,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $300,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $295,000 | n/a | 0.0% | |
| Brighton Bank | $285,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $275,000 | n/a | 0.0% | |
| LOGIX FEDERAL CREDIT UNION | $925,000 | $265,000 | -71.4% | 0.0% |
| Financial Partners Credit Union | $255,000 | n/a | 0.0% | |
| First Interstate Bank | $105,000 | $255,000 | 142.9% | 0.0% |
| Summit Mortgage Corporation | $255,000 | n/a | 0.0% | |
| BLACK HILLS FEDERAL CREDIT UNION | $250,000 | n/a | 0.0% | |
| DEFINE MORTGAGE SOLUTIONS, LLC | $375,000 | $245,000 | -34.7% | 0.0% |
| LENDINGONE, LLC | $145,000 | $245,000 | 69.0% | 0.0% |
| Goldwater Bank, N.A. | $515,000 | $240,000 | -53.4% | 0.0% |
| OneAZ Credit Union | $505,000 | $240,000 | -52.5% | 0.0% |
| KeyBank | $1,090,000 | $235,000 | -78.4% | 0.0% |
| Magnolia Bank | $490,000 | $235,000 | -52.0% | 0.0% |
| MLD MORTGAGE INC. | $235,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $310,000 | $235,000 | -24.2% | 0.0% |
| AMERICAN FIRST | $175,000 | $225,000 | 28.6% | 0.0% |
| CANOPY MORTGAGE, LLC | $225,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $225,000 | n/a | 0.0% | |
| Flanagan State Bank | $225,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $255,000 | $220,000 | -13.7% | 0.0% |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $355,000 | $220,000 | -38.0% | 0.0% |
| JMAC LENDING, INC. | $245,000 | $215,000 | -12.2% | 0.0% |
| Bank First, N.A. | $205,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $205,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $325,000 | $205,000 | -36.9% | 0.0% |
| Washington Trust Bank | $555,000 | $205,000 | -63.1% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $415,000 | $200,000 | -51.8% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $75,000 | $195,000 | 160.0% | 0.0% |
| SWBC MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| Unitus Community Credit Union | $195,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $630,000 | $190,000 | -69.8% | 0.0% |
| BOKF | $185,000 | n/a | 0.0% | |
| CHEVRON | $35,000 | $185,000 | 428.6% | 0.0% |
| DIGNIFIED HOME LOANS, LLC | $480,000 | $185,000 | -61.5% | 0.0% |
| HUGHES FEDERAL CREDIT UNION | $535,000 | $180,000 | -66.4% | 0.0% |
| M&T Bank | $430,000 | $175,000 | -59.3% | 0.0% |
| Opportunity Bank of Montana | $175,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $175,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $170,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $165,000 | n/a | 0.0% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $165,000 | n/a | 0.0% | |
| LOANLEADERS OF AMERICA, INC. | $165,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $665,000 | $165,000 | -75.2% | 0.0% |
| The Huntington National Bank | $165,000 | n/a | 0.0% | |
| GREENWOOD | $65,000 | $160,000 | 146.2% | 0.0% |
| HILTON FINANCIAL CORPORATION | $155,000 | n/a | 0.0% | |
| HONDA Federal Credit Union | $155,000 | n/a | 0.0% | |
| MORTGAGE EXPRESS, LLC | $155,000 | n/a | 0.0% | |
| American Bank and Trust Company | $145,000 | n/a | 0.0% | |
| ARROWHEAD CENTRAL CREDIT UNION | $490,000 | $145,000 | -70.4% | 0.0% |
| SERVICE FIRST FEDERAL CREDIT UNION | $145,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $205,000 | $145,000 | -29.3% | 0.0% |
| First Federal Savings Bank of Twin Falls | $125,000 | n/a | 0.0% | |
| HomeStreet Bank | $445,000 | $125,000 | -71.9% | 0.0% |
| Ixonia Bank | $135,000 | $125,000 | -7.4% | 0.0% |
| Bank OZK | $115,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $390,000 | $105,000 | -73.1% | 0.0% |
| Meridian Trust Federal Credit Union | $75,000 | $95,000 | 26.7% | 0.0% |
| Canyon State Credit Union | $65,000 | $85,000 | 30.8% | 0.0% |
| First National Bank Texas | $185,000 | $75,000 | -59.5% | 0.0% |
| Tyndall Federal Credit Union | $75,000 | n/a | 0.0% | |
| VANTAGE WEST | $340,000 | $75,000 | -77.9% | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | $75,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $870,000 | $55,000 | -93.7% | 0.0% |
| Honor Credit Union | $55,000 | n/a | 0.0% | |
| TRUWEST Credit Union | $630,000 | $55,000 | -91.3% | 0.0% |
| AERO Federal Credit Union | $45,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $45,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $95,000 | $45,000 | -52.6% | 0.0% |
| TUCSON | $45,000 | n/a | 0.0% |
LAKE HAVASU CITY - KINGMAN's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 14.7% market share. In second place, with 7.6%, is QUICKEN LOANS, LLC, having originated $110,215,000 in loans. In third place, with 4.5%, is Flagstar Bank, FSB, having originated $65,045,000 in loans. In fourth place, with 4.0%, is BROKER SOLUTIONS, INC., having originated $58,525,000 in loans. In fifth place, with 3.0%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $43,325,000 in loans.
LAKE HAVASU CITY-KINGMAN, AZ Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,389 | $1,009,085,000 | $297,753 |
| Cash Out Refi | 937 | $198,665,000 | $212,022 |
| Refi | 582 | $159,560,000 | $274,158 |
| Other | 548 | $61,690,000 | $112,573 |
| Home Improvement | 280 | $28,470,000 | $101,679 |
| NA | 2 | $850,000 | $425,000 |
Lake Havasu City - Kingman's most frequently cited loan purpose was Home Purchase, with 3,389 originations. The 2nd most popular reason was Cash Out Refi, with 937 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,349 | $651,425,000 | $277,320 |
| 7-8% | 1,442 | $381,410,000 | $264,501 |
| Over 8% | 1,042 | $152,620,000 | $146,468 |
| 5-6% | 810 | $252,230,000 | $311,395 |
| 4-5% | 52 | $12,800,000 | $246,154 |
| <2.5% | 19 | $605,000 | $31,842 |
| 2.5-3% | 7 | $2,025,000 | $289,286 |
| 3-4% | 3 | $2,505,000 | $835,000 |
During 2024, Lake Havasu City - Kingman's most frequently originated rate bucket was 6-7%, with 2,349 originations.
Loan Sizing (LAKE HAVASU CITY-KINGMAN, AZ MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,387 | $668,845,000 | $280,203 |
| $100k-200k | 1,528 | $230,150,000 | $150,622 |
| $100,000 or less | 998 | $58,030,000 | $58,146 |
| $400k-600k | 573 | $271,555,000 | $473,918 |
| $600k-1000k | 212 | $151,660,000 | $715,377 |
| $Over $1MM | 40 | $78,080,000 | $1,952,000 |
LAKE HAVASU CITY - KINGMAN's loan sizing saw the bucket of loans from $200k-400k with 2,387 originations, totaling $668,845,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,177 | $662,105,000 | $304,136 |
| 60-80% | 1,336 | $418,450,000 | $313,211 |
| Under 20% | 686 | $40,440,000 | $58,950 |
| 40-60% | 670 | $157,870,000 | $235,627 |
| 20-40% | 660 | $95,930,000 | $145,348 |
| Over 100% | 102 | $53,730,000 | $526,765 |
LAKE HAVASU CITY - KINGMAN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,177 originations, totaling $662,105,000 in origination value.