# Best Jumbo Mortgage Lenders in Provo

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

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

> **Canonical URL:** https://saferate.com/provo/best-mortgage-lenders/jumbo-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 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 1,693 | Independent Mortgage Company |
| 2 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 490 | Independent Mortgage Company |
| 3 | U.S. Bank National Association | 83 | 88 | 76 | 27 | Bank |
| 4 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 83 | Independent Mortgage Company |
| 5 | GUILD MORTGAGE COMPANY LLC | 75 | 32 | 66 | 341 | Independent Mortgage Company |
| 6 | INTERCAP LENDING INC. | 73 | 44 | 56 | 563 | Independent Mortgage Company |
| 7 | Zions Bancorporation, N.A. | 73 | 72 | 57 | 40 | Bank |
| 8 | JPMorgan Chase Bank, National Association | 73 | 49 | 64 | 34 | Bank |
| 9 | FIRST COLONY MORTGAGE CORPORATION | 71 | 30 | 62 | 1,031 | Independent Mortgage Company |
| 10 | Mountain America Federal Credit Union | 69 | 46 | 50 | 171 | Credit Union |
| 11 | UTAH COMMUNITY FEDERAL CREDIT UNION | 66 | 57 | 35 | 232 | Credit Union |
| 12 | SECURITY HOME MORTGAGE, LLC. | 66 | 22 | 76 | 218 | Independent Mortgage Company |
| 13 | Luminate Home Loans, Inc. | 52 | 17 | 56 | 22 | Independent Mortgage Company |
| 14 | Glacier Bank | 52 | 11 | 48 | 21 | Bank |

## 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.