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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 Mortgage Company Lenders in Provo
Updated February 5, 2026
Market Overview
45
Total Lenders
9,000
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $2,143 | -0.092% | 102 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,152 | +0.097% | 1,693 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $4,461 | +0.106% | 1,031 | |
4 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $2,935 | -0.137% | 282 | |
5 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | $3,974 | +0.252% | 563 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,106 | +0.119% | 490 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,732 | +0.282% | 341 | |
8 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Strong | $4,783 | -0.220% | 103 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,671 | +0.085% | 86 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,050 | +0.054% | 83 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $878 | -0.338% | 76 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,662 | +0.011% | 70 | |
13 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Exceptional | $4,433 | +0.322% | 218 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,241 | +0.232% | 81 | |
15 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $2,195 | +0.145% | 24 | |
16 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,866 | +0.206% | 219 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,933 | +0.212% | 211 | |
18 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,286 | +0.040% | 154 | |
19 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,954 | +0.169% | 111 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,593 | +0.701% | 82 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,314 | +0.040% | 48 | |
22 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $2,320 | +0.135% | 39 | |
23 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Sound | $3,487 | +0.174% | 21 | |
24 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Exceptional | $5,491 | +0.473% | 357 | |
25 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,695 | +0.330% | 58 | |
26 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $1,929 | -0.143% | 44 | |
27 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $3,084 | +0.302% | 42 | |
28 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $6,218 | +0.704% | 37 | |
29 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,895 | +0.543% | 24 | |
30 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $4,087 | +0.026% | 22 | |
31 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,926 | +0.373% | 61 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,915 | +0.324% | 49 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,718 | +0.517% | 44 | |
34 | Utah Mortgage Loan Corporation | Sound | Acceptable | Sound | Sound | $3,414 | +0.277% | 24 | |
35 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Strong | $5,984 | +0.339% | 110 | |
36 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Sound | $4,442 | +0.128% | 37 | |
37 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Strong | Sound | $4,992 | -0.096% | 35 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $3,309 | +0.247% | 28 | |
39 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Sound | $5,986 | +0.893% | 25 | |
40 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $5,908 | +0.649% | 22 | |
41 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Sound | Sound | $4,608 | +0.245% | 22 | |
42 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Sound | 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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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