Safe Rate Rankings

Best All Lender Mortgage Lenders in Provo

Updated May 22, 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 Lenders99

Total Loans10,057

Median Rate Spread0.15%

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

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.