Safe Rate Rankings

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.