# Best Conventional Mortgage Lenders in Provo

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Provo. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/provo/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 99
- **Total Loans:** 10,057
- **Median Rate Spread:** 0.15212765957446808%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 102 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 1,693 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 490 | Independent Mortgage Company |
| 4 | MY MOVE MORTGAGE, LLC | 79 | 54 | 68 | 282 | Independent Mortgage Company |
| 5 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 76 | Independent Mortgage Company |
| 6 | U.S. Bank National Association | 79 | 75 | 69 | 27 | Bank |
| 7 | FIRST COLONY MORTGAGE CORPORATION | 75 | 38 | 77 | 1,031 | Independent Mortgage Company |
| 8 | INTERCAP LENDING INC. | 75 | 31 | 75 | 563 | Independent Mortgage Company |
| 9 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 341 | Independent Mortgage Company |
| 10 | UTAH COMMUNITY FEDERAL CREDIT UNION | 73 | 56 | 45 | 232 | Credit Union |
| 11 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 83 | Independent Mortgage Company |
| 12 | Northpointe Bank | 73 | 49 | 62 | 44 | Bank |
| 13 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 34 | Bank |
| 14 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 24 | Independent Mortgage Company |
| 15 | KIND LENDING, LLC | 71 | 31 | 66 | 219 | Independent Mortgage Company |
| 16 | THE LOAN STORE, INC. | 71 | 39 | 71 | 211 | Independent Mortgage Company |
| 17 | Plains Commerce Bank | 71 | 35 | 64 | 106 | Bank |
| 18 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 86 | Independent Mortgage Company |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 82 | Independent Mortgage Company |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 81 | Independent Mortgage Company |
| 21 | Mountain America Federal Credit Union | 69 | 41 | 51 | 171 | Credit Union |
| 22 | AMERICA FIRST Federal Credit Union | 69 | 47 | 58 | 79 | Credit Union |
| 23 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 70 | Independent Mortgage Company |
| 24 | Zions Bancorporation, N.A. | 69 | 76 | 48 | 40 | Bank |
| 25 | CANOPY MORTGAGE, LLC | 66 | 24 | 60 | 154 | Independent Mortgage Company |
| 26 | Paramount Residential Mortgage Group, Inc. | 66 | 24 | 60 | 58 | Independent Mortgage Company |
| 27 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 48 | Independent Mortgage Company |
| 28 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 44 | Independent Mortgage Company |
| 29 | LOWER, LLC | 66 | 33 | 66 | 42 | Independent Mortgage Company |
| 30 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 66 | 21 | 68 | 28 | Independent Mortgage Company |
| 31 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 70 | 22 | Independent Mortgage Company |
| 32 | NEST HOME LENDING, LLC | 64 | 43 | 54 | 103 | Independent Mortgage Company |
| 33 | RESICENTRAL, LLC | 64 | 55 | 44 | 39 | Independent Mortgage Company |
| 34 | Deseret First Credit Union | 64 | 45 | 65 | 21 | Credit Union |
| 35 | CLM MORTGAGE, INC. | 63 | 27 | 58 | 111 | Independent Mortgage Company |
| 36 | INSPIRE HOME LOANS INC. | 63 | 40 | 61 | 24 | Independent Mortgage Company |
| 37 | PLANET HOME LENDING, LLC | 63 | 35 | 69 | 21 | Independent Mortgage Company |
| 38 | NEWREZ LLC | 62 | 31 | 58 | 61 | Independent Mortgage Company |
| 39 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 49 | Independent Mortgage Company |
| 40 | Glacier Bank | 62 | 31 | 58 | 21 | Bank |
| 41 | CYPRUS Federal Credit Union | 58 | 44 | 40 | 40 | Credit Union |
| 42 | NATIONS RELIABLE LENDING, LLC | 58 | 21 | 51 | 35 | Independent Mortgage Company |
| 43 | SECURITYNATIONAL MORTGAGE COMPANY | 56 | 8 | 47 | 357 | Independent Mortgage Company |
| 44 | SECURITY HOME MORTGAGE, LLC. | 56 | 19 | 69 | 218 | Independent Mortgage Company |
| 45 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 15 | 75 | 44 | Independent Mortgage Company |
| 46 | Luminate Home Loans, Inc. | 56 | 14 | 66 | 22 | Independent Mortgage Company |
| 47 | DIRECT MORTGAGE, CORP. | 53 | N/A | 64 | 55 | Independent Mortgage Company |
| 48 | AXIA FINANCIAL, LLC | 53 | 18 | 60 | 37 | Independent Mortgage Company |
| 49 | GARDNER FINANCIAL SERVICES, LTD. | 53 | 14 | 65 | 25 | Independent Mortgage Company |
| 50 | VERITAS FUNDING, LLC | 49 | 14 | 54 | 110 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Provo.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.