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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 FHA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,152 | +0.097% | 1,693 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,662 | +0.011% | 70 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,461 | +0.106% | 1,031 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,050 | +0.054% | 83 | |
5 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,974 | +0.252% | 563 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,106 | +0.119% | 490 | |
7 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,935 | -0.137% | 282 | |
8 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,866 | +0.206% | 219 | |
9 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,933 | +0.212% | 211 | |
10 | Mountain America Federal Credit Union | Strong | Strong | Strong | Sound | Strong | $3,759 | -0.246% | 171 | |
11 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $5,954 | +0.169% | 111 | |
12 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,686 | -0.040% | 106 | |
13 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | Strong | $4,783 | -0.220% | 103 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $878 | -0.338% | 76 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,732 | +0.282% | 341 | |
16 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,433 | +0.322% | 218 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,241 | +0.232% | 81 | |
18 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $2,146 | -0.274% | 44 | |
19 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Sound | $2,195 | +0.145% | 24 | |
20 | UTAH COMMUNITY FEDERAL CREDIT UNION | Strong | Sound | Sound | Sound | Exceptional | $2,459 | -0.041% | 232 | |
21 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,286 | +0.040% | 154 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,671 | +0.085% | 86 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,926 | +0.373% | 61 | |
24 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,491 | +0.473% | 357 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,695 | +0.330% | 58 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,314 | +0.040% | 48 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,084 | +0.302% | 42 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,895 | +0.543% | 24 | |
29 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,087 | +0.026% | 22 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,593 | +0.701% | 82 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,718 | +0.517% | 44 | |
32 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,986 | +0.893% | 25 | |
33 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $1,929 | -0.143% | 44 | |
34 | AXIA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,442 | +0.128% | 37 | |
35 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,992 | -0.096% | 35 | |
36 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,309 | +0.247% | 28 | |
37 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $5,908 | +0.649% | 22 | |
38 | VERITAS FUNDING, LLC | Sound | Mediocre | Strong | Sound | Strong | $5,984 | +0.339% | 110 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,915 | +0.324% | 49 | |
40 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Sound | $4,608 | +0.245% | 22 | |
41 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,280 | +0.264% | 21 |
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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