Safe Rate Rankings

Best Jumbo 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	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$317Fees	0.076%Above	27
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,152Fees	0.097%Above	1,693
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,106Fees	0.119%Above	490
4	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,050Fees	0.054%Above	83
5	Zions Bancorporation, N.A.Bank	Strong	Strong	Exceptional	Sound	Sound	$1,982Fees	0.212%Below	40
6	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$3,974Fees	0.252%Above	563
7	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,732Fees	0.282%Above	341
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,192Fees	0.093%Above	34
9	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,461Fees	0.106%Above	1,031
10	UTAH COMMUNITY FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Acceptable	Exceptional	$2,459Fees	0.041%Below	232
11	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Strong	$3,759Fees	0.246%Below	171
12	SECURITY HOME MORTGAGE, LLC.Independent Mortgage Company	Strong	Acceptable	—	Strong	Exceptional	$4,433Fees	0.322%Above	218
13	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$5,908Fees	0.649%Above	22
14	Glacier BankBank	Sound	Mediocre	Exceptional	Sound	Sound	$3,870Fees	0.203%Below	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)

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.