LAKE HAVASU CITY - KINGMAN Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

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%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within LAKE HAVASU CITY-KINGMAN, AZ.

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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 322 7.01% $8,608
QUICKEN LOANS, LLC 248 6.80% $7,492
BROKER SOLUTIONS, INC. 129 6.96% $7,254
Flagstar Bank, FSB 117 7.20% $7,132
AMERICAN PACIFIC MORTGAGE CORPORATION 79 7.20% $6,609
AMERICAN FINANCIAL NETWORK, INC. 66 6.78% $7,275
GUILD MORTGAGE COMPANY 59 6.96% $6,827
INSPIRE HOME LOANS INC. 58 6.41% $4,795
JPMorgan Chase Bank 55 7.00% $6,585
CROSSCOUNTRY MORTGAGE, LLC 49 7.27% $6,972
LOANDEPOT.COM, LLC 43 6.59% $7,986
ARIZONA 43 6.78% $9,456
SUN AMERICAN MORTGAGE COMPANY 38 6.91% $4,467
The Loan Store, Inc. 36 6.83% $7,372
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 35 7.43% $6,661
Glacier Bank 31 6.65% $7,989
U.S. Bank 30 6.82% $6,694
MASON MCDUFFIE MORTGAGE CORPORATION 29 6.79% $5,659
Wells Fargo Bank 26 6.81% $5,361
GENEVA FINANCIAL, LLC 22 6.53% $10,619
Paramount Residential Mortgage Group, Inc. 19 7.28% $7,372
Mr. Cooper ( Nationstar Mortgage ) 18 6.83% $7,044
SECURITYNATIONAL MORTGAGE COMPANY 16 7.33% $8,388
GUARANTEED RATE, INC. 16 6.96% $5,745
NAVY FEDERAL CREDIT UNION 16 6.70% $5,972
CMG MORTGAGE, INC. 16 7.18% $7,908
PROVIDENT FUNDING ASSOCIATES, L.P. 15 6.57% $4,117
Zions Bank 14 6.76% $13,321
GUARANTEED RATE AFFINITY, LLC 14 7.13% $6,674
RESIDENTIAL WHOLESALE MORTGAGE, INC. 13 6.86% $4,270
GARDNER FINANCIAL SERVICES, LTD. 13 6.86% $7,670
PACIFIC RESIDENTIAL MORTGAGE, LLC 13 7.02% $8,393
NEWREZ LLC 12 7.17% $6,907
V.I.P. MORTGAGE, INC. 12 6.96% $7,253
Morgan Stanley Private Bank 11 6.08% $4,885
HOMEXPRESS MORTGAGE CORP. 11 7.83% $18,225
VANDERBILT MORTGAGE AND FINANCE, INC. 11 8.00% $7,645
Bank of America 10 6.94% $4,655
PENNYMAC LOAN SERVICES, LLC 10 6.99% $7,940
BMO Harris Bank 10 6.73% $8,942
PRIMARY RESIDENTIAL MORTGAGE, INC. 9 6.43% $7,873
ZILLOW HOME LOANS, LLC 9 6.74% $6,668
CITYWIDE HOME LOANS, LLC 9 7.14% $7,891
Sierra Pacific Mortgage Company, Inc. 9 6.64% $5,428
ROYAL UNITED MORTGAGE LLC 8 6.86% $7,634
LA Financial Federal Credit Union 8 6.84% $4,124
USAA Federal Savings Bank 8 6.63% $4,958
NOVA FINANCIAL & INVESTMENT CORPORATION 8 6.57% $5,771
JMJ FINANCIAL GROUP 8 7.08% $9,877
Commerce Home Mortgage, Inc. 8 8.31% $12,598
MOVEMENT MORTGAGE, LLC 8 6.90% $5,844
Firefighters First Federal Credit Union 7 6.38% $4,741
Century Mortgage Company DBA Century Lending Company 7 7.59% $9,855
ARK-LA-TEX FINANCIAL SERVICES, LLC. 7 6.80% $4,424
FREEDOM MORTGAGE CORPORATION 7 6.98% $7,754
Franklin Loan Corporation 7 7.43% $12,079
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 7.67% $10,470
MOUNTAIN WEST FINANCIAL, INC. 7 7.46% $10,553
LEADERONE FINANCIAL CORPORATION 7 7.12% $4,088
Discover Bank 6 7.51% $0
CHURCHILL MORTGAGE CORPORATION 6 6.39% $6,123
AXIA FINANCIAL, LLC 6 6.85% $9,321
MUTUAL OF OMAHA MORTGAGE, INC. 6 6.56% $5,284
HOMESIDE FINANCIAL, LLC 6 6.88% $6,023
21ST MORTGAGE CORPORATION 6 8.91% $5,698
US MORTGAGE CORPORATION 5 6.90% $8,366
VILLAGE CAPITAL MORTGAGE 5 6.53% $6,939
PLAZA HOME MORTGAGE, INC. 5 7.02% $6,467
FBC MORTGAGE, LLC 5 6.17% $10,855
NexBank 5 7.25% $9,277
OCMBC, INC. 5 8.37% $9,737
Boeing Employees Credit Union 5 6.48% $4,873
CASTLE & COOKE MORTGAGE, LLC 5 7.13% $6,587
BAY-VALLEY MORTGAGE GROUP 5 6.90% $10,200
AMERICAN FINANCING CORPORATION 5 6.55% $7,714
Equity Prime Mortgage LLC 5 6.58% $15,289
MORIA DEVELOPMENT, INC. 5 7.47% $11,113
Gateway First Bank 5 6.98% $6,638
AmeriHome Mortgage Company, LLC 4 7.09% $8,881
Plains Commerce Bank 4 6.87% $7,494
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 4 7.34% $8,527
Citibank 4 6.91% $6,077
NBKC BANK 4 6.97% $5,911
Charles Schwab Bank, SSB 4 6.33% $6,129
Golden Empire Mortgage, Inc. 4 7.12% $8,320
Ally Bank 4 7.03% $5,495
RESIDENTIAL MORTGAGE, LLC 4 6.25% $6,855
F&A Federal Credit Union 4 6.00% $2,002
Sunflower Bank 4 7.09% $16,277
NEXERA HOLDING LLC 4 7.56% $11,002
AMERISAVE MORTGAGE CORPORATION 4 6.94% $7,705
VISION ONE MORTGAGE, INC. 3 7.25% $10,036
NP, Inc. 3 8.00% $7,071
ONY GLO, INC. 3 6.71% $5,032
PLANET HOME LENDING, LLC 3 6.66% $5,887
PNC Bank 3 6.88% $4,532
AMERITRUST MORTGAGE CORPORATION 3 7.54% $9,075
RBC Bank, (Georgia) 3 5.83% $2,220
AUGUSTA FINANCIAL, INC. 3 6.58% $8,285
TOP FLITE FINANCIAL, INC. 3 7.04% $10,494
BAY EQUITY LLC 3 7.12% $10,661
Alaska USA Federal Credit Union 3 7.25% $3,975
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.33% $6,103
BETTER MORTGAGE CORPORATION 3 6.50% $6,495
ALTITUDE FINANCIAL CORPORATION 3 6.58% $5,882
LADERA LENDING, INC. 3 6.83% $7,959
LENDSURE MORTGAGE CORP. 3 7.71% $10,274
LOANPAL, LLC 3 6.71% $7,357
Carrington Mortgage Services, LLC 3 7.42% $9,838
MOUNTAIN AMERICA 3 6.58% $6,650
NMSI, INC. 2 7.13% $10,014
WESCOM CENTRAL CREDIT UNION 2 7.50% $4,571
Watermark Capital, Inc. 2 7.31% $10,063
First Bank 2 7.50% $4,274
NEW WAVE LENDING GROUP INC 2 7.38% $11,288
VAN DYK MORTGAGE CORPORATION 2 7.00% $2,976
Cache Valley Bank 2 8.00% $5,461
NATIONS DIRECT MORTGAGE, LLC 2 8.00% $5,973
UNION HOME MORTGAGE CORP. 2 6.56% $5,073
CARDINAL FINANCIAL 2 7.06% $8,011
Nations Lending Corporation 2 7.25% $8,699
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 7.31% $7,237
T2 FINANCIAL LLC 2 7.62% $11,303
SUMMIT FUNDING, INC. 2 7.56% $6,777
DIRECTORS MORTGAGE, INC. 2 7.06% $12,966
ARC HOME LLC 2 7.88% $14,030
ML Mortgage Corp. 2 6.31% $8,548
AHL FUNDING 2 8.13% $18,708
DEEPHAVEN MORTGAGE LLC 2 7.44% $12,992
PHH Mortgage Corporation 2 6.69% $10,745
AMERICA FIRST 2 7.38% $3,022
NETWORK CAPITAL FUNDING CORPORATION 2 7.00% $10,983
NuVision Federal Credit Union 2 6.44% $9,608
Northwest Farm Credit Services, FLCA 2 6.63% $9,653
Hometown Equity Mortgage, LLC 2 9.63% $9,212
Home Mortgage Alliance Corp 2 7.38% $18,790
First National Bank of America 2 8.38% $10,045
AMERICAN FINANCIAL RESOURCES, INC. 2 7.12% $4,458
KINECTA 2 6.06% $4,546
KeyBank 1 7.63% $7,825
A&D Mortgage LLC 1 6.38% $8,673
ALAMEDA MORTGAGE CORPORATION 1 7.38% $6,202
American Bank and Trust Company 1 6.38% $3,340
AMERICAN FIRST 1 6.63% $7,074
AMERICAN HERITAGE LENDING, INC. 1 9.38% $6,431
American Mortgage & Equity Consultants, Inc. 1 7.50% $9,492
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.99% $1,458
Ameris Bank 1 5.63% $6,554
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.00% $22,054
Bank First, N.A. 1 6.75% $4,062
Bank OZK 1 6.49% $4,141
BECKAM FUNDING CORP. 1 7.38% $15,654
BEEHIVE 1 7.63% $6,657
BELEM SERVICING LLC 1 6.75% $11,455
Bethpage Federal Credit Union 1 6.88% $5,049
BLACK HILLS FEDERAL CREDIT UNION 1 5.88% $5,900
CANOPY MORTGAGE, LLC 1 6.38% $6,344
Citadel Servicing Corporation 1 8.25% $7,948
Comerica Bank 1 6.50% $4,966
COMMUNITY MORTGAGE FUNDING, LLC 1 7.50% $4,019
Cornerstone First Mortgage, Inc 1 6.38% $4,276
DEFINE MORTGAGE SOLUTIONS, LLC 1 7.13% $4,838
DIGNIFIED HOME LOANS, LLC 1 6.63% $5,029
DIRECT MORTGAGE, CORP. 1 7.38% $19,569
EAGLE HOME MORTGAGE, LLC 1 6.63% $6,113
ENVOY MORTGAGE, LTD 1 7.50% $9,155
EVERETT FINANCIAL, INC. 1 8.63% $6,580
Fifth Third Bank 1 6.50% $13,820
Financial Partners Credit Union 1 6.88% $6,008
First-Citizens Bank & Trust Company 1 7.00% $7,264
First Federal Savings Bank of Twin Falls 1 7.00% $4,497
FIRST NATIONS HOME FINANCE CORPORATION 1 6.49% $7,449
First Western Trust Bank 1 6.50% $6,895
FOUNDATION MORTGAGE CORPORATION 1 7.50% $11,681
Goldwater Bank, N.A. 1 7.00% $7,335
GRANITE FEDERAL CREDIT UNION 1 6.00% $4,831
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.00% $3,706
INTERCAP LENDING INC. 1 6.50% $6,099
Ixonia Bank 1 7.25% $4,550
1st Security Bank of Washington 1 6.63% $6,651
LAND HOME FINANCIAL SERVICES, INC. 1 6.88% $9,260
LOANLEADERS OF AMERICA, INC. 1 8.13% $7,739
Logan Finance Corporation 1 7.62% $6,604
LOGIX FEDERAL CREDIT UNION 1 7.13% $12,029
LOS ANGELES POLICE Federal Credit Union 1 6.00% $3,368
Luxury Mortgage Corp. 1 6.63% $10,890
MICHIGAN MUTUAL, INC. 1 7.50% $5,647
MidFirst Bank 1 6.63% $3,422
MLD MORTGAGE INC. 1 6.49% $2,852
MORTGAGE EXPRESS, LLC 1 6.49% $3,074
Mortgage Research Center, LLC 1 7.13% $6,042
NFM, INC. 1 7.50% $7,538
NORWICH COMMERCIAL GROUP, INC. 1 5.63% $16,509
OAKTREE FUNDING CORP. 1 6.75% $12,160
OneAZ Credit Union 1 7.75% $4,161
ON Q FINANCIAL, INC. 1 7.49% $5,159
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.63% $4,775
Princeton Mortgage Corporation 1 7.63% $23,852
Prosperity Home Mortgage, LLC 1 7.50% $4,348
RELIANCE FIRST CAPITAL, LLC 1 6.38% $13,738
S1L, Inc. 1 6.88% $9,322
Shea Mortgage Inc. 1 7.50% $2,613
State Bank of Southern Utah 1 7.38% $8,633
Stifel Bank and Trust 1 6.50% $3,689
Summit Mortgage Corporation 1 7.13% $7,099
SUN WEST MORTGAGE COMPANY, INC. 1 7.10% $5,272
SWBC MORTGAGE CORPORATION 1 7.63% $551
Texana Bank 1 6.63% $15,853
The Huntington National Bank 1 6.63% $4,374
TJC Mortgage, Inc. 1 6.88% $5,255
Toyota Financial Savings Bank 1 6.43% $6,789
Truist 1 7.13% $5,574
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 1 7.13% $4,384
Unitus Community Credit Union 1 6.13% $3,365
Wallick & Volk, Inc. 1 6.88% $4,349
Washington Federal Bank 1 6.50% $12,858
WINGS FINANCIAL 1 6.75% $3,875

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.