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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of Utah | Exceptional | Exceptional | Strong | Strong | Exceptional | $3,344 | +0.028% | 125 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,129 | +0.031% | 1,369 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,996 | +0.060% | 86 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,888 | -0.031% | 56 | |
5 | KIND LENDING, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,080 | +0.173% | 283 | |
6 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,331 | +0.048% | 221 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,420 | -0.106% | 98 | |
8 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,999 | +0.220% | 664 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,034 | +0.127% | 573 | |
10 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,014 | +0.090% | 167 | |
11 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,362 | -0.097% | 148 | |
12 | Mountain America Federal Credit Union | Strong | Strong | Strong | Sound | Strong | $3,165 | -0.175% | 148 | |
13 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $5,362 | +0.242% | 128 | |
14 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $4,190 | +0.215% | 108 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $5,553 | -0.059% | 59 | |
16 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,870 | +0.163% | 52 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,044 | +0.218% | 550 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,532 | +0.261% | 154 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,345 | +0.151% | 58 | |
20 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Sound | $3,335 | -0.154% | 31 | |
21 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,500 | +0.215% | 21 | |
22 | AMERICA FIRST Federal Credit Union | Strong | Sound | Sound | Sound | Exceptional | $1,643 | -0.052% | 306 | |
23 | GOLDENWEST | Strong | Sound | Sound | Sound | Exceptional | $3,814 | -0.146% | 265 | |
24 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,644 | +0.149% | 86 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,115 | +0.153% | 57 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,106 | -0.094% | 47 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,774 | +0.305% | 97 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,257 | +0.221% | 52 | |
29 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,048 | +0.255% | 50 | |
30 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,015 | +0.092% | 37 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,537 | +0.051% | 37 | |
32 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,508 | +0.233% | 34 | |
33 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Exceptional | Sound | $5,181 | +0.209% | 32 | |
34 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,029 | +0.095% | 28 | |
35 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,010 | +0.135% | 27 | |
36 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Sound | $2,362 | +0.208% | 20 | |
37 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,980 | +0.166% | 103 | |
38 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,773 | +0.440% | 85 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,861 | +0.467% | 79 | |
40 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,136 | +0.431% | 29 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $6,231 | +0.349% | 21 | |
42 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $5,151 | +0.474% | 78 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,050 | +0.416% | 64 | |
44 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,233 | +0.168% | 53 | |
45 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $5,944 | +0.599% | 18 | |
46 | VERITAS FUNDING, LLC | Sound | Mediocre | Strong | Sound | Sound | $4,271 | +0.431% | 33 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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