Safe Rate Rankings

Best VA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,152Fees	0.097%Above	1,693
2	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$4,461Fees	0.106%Above	1,031
3	INTERCAP LENDING INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,974Fees	0.252%Above	563
4	KIND LENDING, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,866Fees	0.206%Above	219
5	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,671Fees	0.085%Above	86
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,050Fees	0.054%Above	83
7	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,662Fees	0.011%Above	70
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,106Fees	0.119%Above	490
9	MY MOVE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,935Fees	0.137%Below	282
10	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,933Fees	0.212%Above	211
11	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,686Fees	0.040%Below	106
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$878Fees	0.338%Below	76
13	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,314Fees	0.040%Above	48
14	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,732Fees	0.282%Above	341
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,241Fees	0.232%Above	81
16	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,926Fees	0.373%Above	61
17	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,593Fees	0.701%Above	82
18	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$6,218Fees	0.704%Above	37
19	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$5,491Fees	0.473%Above	357

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.