🛡️

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 Conventional Mortgage Lenders in Ogden

Updated February 5, 2026

Market Overview

Total Lenders

8,151

Total Loans

0.11%

Median Rate Spread

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

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Ogden, UTConventional

No credit impact

3-minute process

100% free