Safe Rate Rankings

Best Conventional 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.

Market

Total Lenders91

Total Loans8,151

Median Rate Spread0.11%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Strong	$2,341Fees	0.072%Below	200
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$188Fees	0.384%Below	37
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,670Fees	0.098%Below	39
4	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,015Fees	0.295%Below	20
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,129Fees	0.031%Above	1,369
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,034Fees	0.127%Above	573
7	MY MOVE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$3,362Fees	0.097%Below	148
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$5,553Fees	0.059%Below	59
9	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,888Fees	0.031%Below	56
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,287Fees	0.060%Above	30
11	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,999Fees	0.220%Above	664
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,044Fees	0.218%Above	550
13	AMERICA FIRST Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Exceptional	$1,643Fees	0.052%Below	306
14	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,080Fees	0.173%Above	283
15	GOLDENWESTCredit Union	Strong	Sound	Strong	Sound	Exceptional	$3,814Fees	0.146%Below	265
16	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,331Fees	0.048%Above	221
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,420Fees	0.106%Below	98
18	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,048Fees	0.255%Above	50
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,998Fees	0.143%Below	45
20	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$1,327Fees	0.104%Below	40
21	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,014Fees	0.090%Above	167
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,532Fees	0.261%Above	154
23	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Strong	$3,165Fees	0.175%Below	148
24	Bank of UtahBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,344Fees	0.028%Above	125
25	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$4,190Fees	0.215%Above	108
26	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,980Fees	0.166%Above	103
27	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,996Fees	0.060%Above	86
28	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,861Fees	0.467%Above	79
29	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,112Fees	0.140%Above	65
30	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,115Fees	0.153%Above	57
31	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,870Fees	0.163%Above	52
32	Deseret First Credit UnionCredit Union	Strong	Sound	Sound	Strong	Strong	$4,169Fees	0.384%Below	41
33	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,644Fees	0.149%Above	86
34	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,050Fees	0.416%Above	64
35	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,345Fees	0.151%Above	58
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,233Fees	0.168%Above	53
37	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,257Fees	0.221%Above	52
38	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,106Fees	0.094%Below	47
39	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,537Fees	0.051%Above	37
40	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,029Fees	0.095%Above	28
41	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,500Fees	0.215%Above	21
42	Cache Valley BankBank	Strong	Sound	Sound	Strong	Sound	$1,092Fees	0.005%Below	20
43	CLM MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$5,362Fees	0.242%Above	128
44	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,774Fees	0.305%Above	97
45	ON Q FINANCIAL, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$5,015Fees	0.092%Above	37
46	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,335Fees	0.154%Below	31
47	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$5,010Fees	0.135%Above	27
48	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Sound	$3,631Fees	0.335%Below	27
49	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,508Fees	0.233%Above	34
50	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,450Fees	0.080%Above	19

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.