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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 Mortgage Lenders in Provo
Updated February 5, 2026
Market Overview
99
Total Lenders
10,057
Total Loans
0.15%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $2,143 | -0.092% | 102 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,152 | +0.097% | 1,693 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $4,461 | +0.106% | 1,031 | |
4 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $2,935 | -0.137% | 282 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $317 | +0.076% | 27 | |
6 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | $3,974 | +0.252% | 563 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,106 | +0.119% | 490 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,732 | +0.282% | 341 | |
9 | UTAH COMMUNITY FEDERAL CREDIT UNION | Strong | Sound | Sound | Exceptional | $2,459 | -0.041% | 232 | |
10 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Strong | $4,783 | -0.220% | 103 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,671 | +0.085% | 86 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,050 | +0.054% | 83 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $878 | -0.338% | 76 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,662 | +0.011% | 70 | |
15 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Sound | $1,982 | -0.212% | 40 | |
16 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Exceptional | $4,433 | +0.322% | 218 | |
17 | Mountain America Federal Credit Union | Strong | Sound | Sound | Strong | $3,759 | -0.246% | 171 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,241 | +0.232% | 81 | |
19 | AMERICA FIRST Federal Credit Union | Strong | Sound | Sound | Strong | $1,542 | +0.057% | 79 | |
20 | Northpointe Bank | Strong | Sound | Strong | Sound | $2,146 | -0.274% | 44 | |
21 | CYPRUS Federal Credit Union | Strong | Sound | Sound | Strong | $3,047 | -0.125% | 40 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,192 | +0.093% | 34 | |
23 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $2,195 | +0.145% | 24 | |
24 | Deseret First Credit Union | Strong | Sound | Strong | Sound | $4,506 | +0.103% | 21 | |
25 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,866 | +0.206% | 219 | |
26 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,933 | +0.212% | 211 | |
27 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,286 | +0.040% | 154 | |
28 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,954 | +0.169% | 111 | |
29 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,686 | -0.040% | 106 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,593 | +0.701% | 82 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,314 | +0.040% | 48 | |
32 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $2,320 | +0.135% | 39 | |
33 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Sound | $3,487 | +0.174% | 21 | |
34 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Exceptional | $5,491 | +0.473% | 357 | |
35 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,695 | +0.330% | 58 | |
36 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $1,929 | -0.143% | 44 | |
37 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $3,084 | +0.302% | 42 | |
38 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $6,218 | +0.704% | 37 | |
39 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,895 | +0.543% | 24 | |
40 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $4,087 | +0.026% | 22 | |
41 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,926 | +0.373% | 61 | |
42 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,915 | +0.324% | 49 | |
43 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,718 | +0.517% | 44 | |
44 | Utah Mortgage Loan Corporation | Sound | Acceptable | Sound | Sound | $3,414 | +0.277% | 24 | |
45 | Glacier Bank | Sound | Acceptable | Sound | Sound | $3,870 | -0.203% | 21 | |
46 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Strong | $5,984 | +0.339% | 110 | |
47 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Sound | $4,442 | +0.128% | 37 |
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.
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