Safe Rate Rankings

Best Credit Union 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 Lenders6
Total Loans903
Median Rate Spread-0.06%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
NAVY FEDERAL CREDIT UNIONCredit Union
Strong
Exceptional
Sound
Sound
$188Fees
0.384%Below
37
2
AMERICA FIRST Federal Credit UnionCredit Union
Strong
Sound
Sound
Exceptional
$1,643Fees
0.052%Below
306
3
Deseret First Credit UnionCredit Union
Strong
Sound
Strong
Strong
$4,169Fees
0.384%Below
41
4
Mountain America Federal Credit UnionCredit Union
Strong
Sound
Sound
Strong
$3,165Fees
0.175%Below
148
5
GOLDENWESTCredit Union
Strong
Acceptable
Sound
Exceptional
$3,814Fees
0.146%Below
265

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.