Safe Rate Rankings

Best Conventional Mortgage Lenders in Logan

Updated February 5, 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 Lenders25

Total Loans1,494

Median Rate Spread0.05%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,393Fees	0.015%Below	12
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,487Fees	0.109%Above	244
3	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,640Fees	0.090%Above	247
4	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,867Fees	0.045%Above	212
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,734Fees	0.061%Above	81
6	Cache Valley BankBank	Strong	Sound	Sound	Strong	Exceptional	$2,693Fees	0.022%Above	80
7	GOLDENWESTCredit Union	Strong	Sound	Strong	Sound	Exceptional	$3,766Fees	0.151%Below	74
8	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$4,661Fees	0.005%Below	12
9	Bank of UtahBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,632Fees	0.321%Below	101
10	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,387Fees	0.105%Above	60
11	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,541Fees	0.334%Above	55
12	AMERICA FIRST Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Strong	$1,480Fees	0.079%Below	54
13	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,586Fees	0.067%Above	49
14	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Strong	$3,566Fees	0.203%Below	38
15	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,303Fees	0.125%Above	35
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,541Fees	0.049%Above	18
17	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,056Fees	0.132%Below	21
18	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,518Fees	0.382%Above	18
19	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$6,176Fees	0.364%Above	15
20	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,670Fees	0.011%Above	15
21	Deseret First Credit UnionCredit Union	Strong	Sound	Sound	Strong	Sound	$3,988Fees	0.042%Below	10
22	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Sound	$3,121Fees	0.079%Below	12
23	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$6,253Fees	0.363%Above	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)

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.