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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,143 | -0.092% | 102 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $317 | +0.076% | 27 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,152 | +0.097% | 1,693 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,106 | +0.119% | 490 | |
5 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,935 | -0.137% | 282 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $878 | -0.338% | 76 | |
7 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,461 | +0.106% | 1,031 | |
8 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,974 | +0.252% | 563 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,732 | +0.282% | 341 | |
10 | UTAH COMMUNITY FEDERAL CREDIT UNION | Strong | Sound | Strong | Sound | Exceptional | $2,459 | -0.041% | 232 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,050 | +0.054% | 83 | |
12 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $2,146 | -0.274% | 44 | |
13 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Sound | $1,982 | -0.212% | 40 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,192 | +0.093% | 34 | |
15 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,895 | +0.543% | 24 | |
16 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,866 | +0.206% | 219 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,933 | +0.212% | 211 | |
18 | Mountain America Federal Credit Union | Strong | Sound | Strong | Sound | Strong | $3,759 | -0.246% | 171 | |
19 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,686 | -0.040% | 106 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,671 | +0.085% | 86 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,593 | +0.701% | 82 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,241 | +0.232% | 81 | |
23 | AMERICA FIRST Federal Credit Union | Strong | Sound | Strong | Sound | Strong | $1,542 | +0.057% | 79 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,662 | +0.011% | 70 | |
25 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,286 | +0.040% | 154 | |
26 | NEST HOME LENDING, LLC | Strong | Sound | Sound | Sound | Strong | $4,783 | -0.220% | 103 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,695 | +0.330% | 58 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,314 | +0.040% | 48 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,929 | -0.143% | 44 | |
30 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,084 | +0.302% | 42 | |
31 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $2,320 | +0.135% | 39 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,309 | +0.247% | 28 | |
33 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,087 | +0.026% | 22 | |
34 | Deseret First Credit Union | Strong | Sound | Sound | Strong | Sound | $4,506 | +0.103% | 21 | |
35 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $5,954 | +0.169% | 111 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,926 | +0.373% | 61 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,915 | +0.324% | 49 | |
38 | CYPRUS Federal Credit Union | Strong | Sound | Sound | Acceptable | Strong | $3,047 | -0.125% | 40 | |
39 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Sound | $2,195 | +0.145% | 24 | |
40 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,487 | +0.174% | 21 | |
41 | Glacier Bank | Strong | Acceptable | Exceptional | Sound | Sound | $3,870 | -0.203% | 21 | |
42 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Exceptional | $5,491 | +0.473% | 357 | |
43 | SECURITY HOME MORTGAGE, LLC. | Sound | Mediocre | Sound | Strong | Exceptional | $4,433 | +0.322% | 218 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,718 | +0.517% | 44 | |
45 | NATIONS RELIABLE LENDING, LLC | Sound | Acceptable | Strong | Sound | Sound | $4,992 | -0.096% | 35 | |
46 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $5,908 | +0.649% | 22 | |
47 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,442 | +0.128% | 37 | |
48 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | Sound | $5,986 | +0.893% | 25 | |
49 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Sound | Strong | $5,984 | +0.339% | 110 |
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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