Safe Rate Rankings

Best Conventional Mortgage Lenders in St. George

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders50

Total Loans3,119

Median Rate Spread0.13%

St. George Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in St. George, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In St. George, Provident Funding Associates LP and Us Bank National Association scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in St. George, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in St. George: Rocket Mortgage (#3) and Sun American Mortgage (#6).

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Overall Rankings

All lenders in St. George

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,799Fees	0.095%Above	409
2	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,974Fees	0.285%Above	454
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,957Fees	0.058%Above	181
4	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$3,994Fees	0.291%Above	173
5	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$941Fees	0.063%Above	17
6	SUN AMERICAN MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$3,102Fees	0.281%Above	233
7	INTERCAP LENDING INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,486Fees	0.171%Above	149
8	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,523Fees	0.119%Above	115
9	MY MOVE MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$2,798Fees	0.130%Above	92
10	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$2,587Fees	0.043%Below	21
11	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Strong	Sound	Strong	$1,489Fees	0.108%Below	58
12	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,708Fees	0.141%Above	14
13	BELEM SERVICING LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,233Fees	0.285%Above	188
14	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$4,136Fees	0.534%Above	26
15	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,790Fees	0.231%Above	22
16	Mountain America Federal Credit Union Credit UnionDirect	Strong	Sound	Strong	Sound	Exceptional	$3,463Fees	0.174%Below	110
17	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,780Fees	0.378%Above	41
18	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$4,593Fees	0.103%Above	27
19	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,598Fees	0.222%Above	46
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,717Fees	0.208%Above	22
21	Cache Valley Bank BankDirect	Strong	Sound	Sound	Strong	Sound	$1,574Fees	0.144%Above	20
22	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$1,530Fees	0.051%Below	11
23	AMERICA FIRST Federal Credit Union Credit UnionDirect	Strong	Sound	Strong	Sound	Strong	$2,587Fees	0.081%Above	35
24	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Sound	$1,555Fees	0.007%Below	30
25	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Acceptable	$2,317Fees	0.246%Above	10
26	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	$3,653Fees	0.332%Above	21
27	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,630Fees	0.351%Above	14
28	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$3,687Fees	0.243%Above	21
29	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,009Fees	0.135%Below	11
30	GOLDENWEST Credit UnionDirect	Sound	Sound	Strong	Sound	Strong	$4,897Fees	0.239%Below	29
31	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$5,225Fees	0.404%Above	25
32	CANOPY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$3,835Fees	0.323%Above	24
33	Bank of Utah BankDirect	Sound	Acceptable	Strong	Strong	Sound	$4,633Fees	0.141%Below	16
34	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,178Fees	0.276%Above	16
35	Glacier Bank BankDirect	Sound	Acceptable	Exceptional	Sound	Sound	$4,047Fees	0.001%Below	14
36	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,674Fees	0.188%Above	11
37	DIRECT MORTGAGE, CORP. Independent Mortgage CompanyDirect	Sound	—	Sound	Strong	Sound	—	—	10
38	Deseret First Credit Union Credit UnionDirect	Sound	Sound	Sound	Strong	Sound	$2,804Fees	0.020%Above	16
39	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Acceptable	$2,558Fees	0.309%Above	10
40	UTAH FIRST Credit UnionDirect	Sound	—	Acceptable	Sound	Sound	$0Fees	1.070%Below	13
41	RANLIFE, INC. Independent Mortgage CompanyDirect	Sound	—	Sound	Sound	Sound	—	—	11
42	State Bank of Southern Utah BankDirect	Sound	Strong	Sound	Acceptable	Sound	$1,405Fees	0.145%Above	18
43	SECURITY HOME MORTGAGE, LLC. Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Strong	Sound	$6,261Fees	0.392%Above	11
44	SECURITYNATIONAL MORTGAGE COMPANY Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	$5,470Fees	0.441%Above	34
45	VERITAS FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Sound	Sound	$5,816Fees	0.171%Above	21
46	Citadel Servicing Corporation Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Sound	$4,750Fees	1.691%Above	11

❓ Frequently Asked Questions

How are mortgage lenders ranked in St. George, UT?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in St. George, UT), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in St. George, UT?+

Based on 2024 HMDA data, 50 lenders originated a combined 3,119 loans in St. George, UT. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in St. George, UT?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in St. George, UT is 0.13%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In St. George, UT's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.