Safe Rate Rankings

Best Mortgage Company 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 Lenders45

Total Loans6,694

Median Rate Spread0.17%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$2,341Fees	0.072%Below	200
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,129Fees	0.031%Above	1,369
3	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$4,331Fees	0.048%Above	221
4	MY MOVE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$3,362Fees	0.097%Below	148
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,888Fees	0.031%Below	56
6	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,999Fees	0.220%Above	664
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,034Fees	0.127%Above	573
8	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$5,044Fees	0.218%Above	550
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,420Fees	0.106%Below	98
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,996Fees	0.060%Above	86
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$5,553Fees	0.059%Below	59
12	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,115Fees	0.153%Above	57
13	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,080Fees	0.173%Above	283
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,532Fees	0.261%Above	154
15	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,112Fees	0.140%Above	65
16	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$1,870Fees	0.163%Above	52
17	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$3,335Fees	0.154%Below	31
18	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,014Fees	0.090%Above	167
19	CLM MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,362Fees	0.242%Above	128
20	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,644Fees	0.149%Above	86
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,861Fees	0.467%Above	79
22	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,106Fees	0.094%Below	47
23	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,537Fees	0.051%Above	37
24	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$2,774Fees	0.305%Above	97
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,050Fees	0.416%Above	64
26	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,345Fees	0.151%Above	58
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,233Fees	0.168%Above	53
28	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,257Fees	0.221%Above	52
29	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,048Fees	0.255%Above	50
30	ON Q FINANCIAL, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$5,015Fees	0.092%Above	37
31	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,508Fees	0.233%Above	34
32	SECURITY HOME MORTGAGE, LLC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,181Fees	0.209%Above	32
33	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,029Fees	0.095%Above	28
34	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,010Fees	0.135%Above	27
35	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,980Fees	0.166%Above	103
36	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,773Fees	0.440%Above	85
37	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$6,231Fees	0.349%Above	21
38	JMAC LENDING, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,362Fees	0.208%Above	20
39	CASTLE & COOKE MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$5,151Fees	0.474%Above	78
40	GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$3,136Fees	0.431%Above	29
41	VERITAS FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$4,271Fees	0.431%Above	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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.