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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Ogden
Updated February 5, 2026
Market Overview
91
Total Lenders
8,151
Total Loans
0.11%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $2,341 | -0.072% | 200 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,129 | +0.031% | 1,369 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $4,331 | +0.048% | 221 | |
4 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $188 | -0.384% | 37 | |
5 | NBKC BANK | Strong | Exceptional | Sound | Sound | $1,015 | -0.295% | 20 | |
6 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $3,362 | -0.097% | 148 | |
7 | Bank of Utah | Strong | Sound | Strong | Exceptional | $3,344 | +0.028% | 125 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,888 | -0.031% | 56 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,670 | -0.098% | 39 | |
10 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | $3,999 | +0.220% | 664 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,034 | +0.127% | 573 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $5,044 | +0.218% | 550 | |
13 | AMERICA FIRST Federal Credit Union | Strong | Sound | Sound | Exceptional | $1,643 | -0.052% | 306 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,420 | -0.106% | 98 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,996 | +0.060% | 86 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $5,553 | -0.059% | 59 | |
17 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,115 | +0.153% | 57 | |
18 | Deseret First Credit Union | Strong | Sound | Strong | Strong | $4,169 | -0.384% | 41 | |
19 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Sound | $1,327 | -0.104% | 40 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,287 | +0.060% | 30 | |
21 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $3,080 | +0.173% | 283 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,532 | +0.261% | 154 | |
23 | Mountain America Federal Credit Union | Strong | Sound | Sound | Strong | $3,165 | -0.175% | 148 | |
24 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,112 | +0.140% | 65 | |
25 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,870 | +0.163% | 52 | |
26 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,998 | -0.143% | 45 | |
27 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $3,335 | -0.154% | 31 | |
28 | GOLDENWEST | Strong | Acceptable | Sound | Exceptional | $3,814 | -0.146% | 265 | |
29 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,014 | +0.090% | 167 | |
30 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,362 | +0.242% | 128 | |
31 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $4,190 | +0.215% | 108 | |
32 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,644 | +0.149% | 86 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,861 | +0.467% | 79 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $5,106 | -0.094% | 47 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,537 | +0.051% | 37 | |
36 | Cache Valley Bank | Strong | Sound | Sound | Sound | $1,092 | -0.005% | 20 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $2,774 | +0.305% | 97 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,050 | +0.416% | 64 | |
39 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,345 | +0.151% | 58 | |
40 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,233 | +0.168% | 53 | |
41 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,257 | +0.221% | 52 | |
42 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,048 | +0.255% | 50 | |
43 | ON Q FINANCIAL, LLC | Sound | Acceptable | Sound | Strong | $5,015 | +0.092% | 37 | |
44 | VAN DYK MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $2,508 | +0.233% | 34 | |
45 | SECURITY HOME MORTGAGE, LLC. | Sound | Acceptable | Strong | Sound | $5,181 | +0.209% | 32 | |
46 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,029 | +0.095% | 28 | |
47 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $5,010 | +0.135% | 27 | |
48 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,500 | +0.215% | 21 | |
49 | Glacier Bank | Sound | Acceptable | Sound | Sound | $3,631 | -0.335% | 27 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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