Safe Rate Rankings

Best Bank Mortgage Lenders in Ogden

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.
Total Lenders11
Total Loans554
Median Rate Spread-0.03%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
NBKC BANKBank
Strong
Exceptional
Sound
Sound
$1,015Fees
0.295%Below
20
2
Bank of UtahBank
Strong
Sound
Strong
Exceptional
$3,344Fees
0.028%Above
125
3
U.S. Bank National AssociationBank
Strong
Strong
Strong
Sound
$1,670Fees
0.098%Below
39
4
Zions Bancorporation, N.A.Bank
Strong
Strong
Sound
Sound
$1,327Fees
0.104%Below
40
5
Wells Fargo Bank, National AssociationBank
Strong
Strong
Sound
Sound
$2,287Fees
0.060%Above
30
6
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Sound
$1,998Fees
0.143%Below
45
7
Plains Commerce BankBank
Strong
Acceptable
Strong
Strong
$4,190Fees
0.215%Above
108
8
Cache Valley BankBank
Strong
Sound
Sound
Sound
$1,092Fees
0.005%Below
20
9
Flagstar Bank, N.A.Bank
Sound
Acceptable
Strong
Sound
$2,500Fees
0.215%Above
21
10
Glacier BankBank
Sound
Acceptable
Sound
Sound
$3,631Fees
0.335%Below
27
11
The Federal Savings BankBank
Sound
Mediocre
Sound
Sound
$5,542Fees
0.041%Below
25

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.