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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 Lenders in Salt Lake City
Updated February 5, 2026
Market Overview
124
Total Lenders
14,592
Total Loans
0.17%
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 | $2,108 | -0.129% | 174 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,212 | +0.111% | 2,731 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $4,320 | +0.131% | 604 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $456 | -0.001% | 80 | |
5 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $1,109 | -0.315% | 32 | |
6 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $3,609 | -0.057% | 337 | |
7 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $1,624 | -0.222% | 151 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Sound | $708 | -0.109% | 35 | |
9 | KeyBank National Association | Strong | Strong | Strong | Sound | $1,390 | +0.136% | 34 | |
10 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | $3,621 | +0.231% | 1,154 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,226 | +0.174% | 1,019 | |
12 | Mountain America Federal Credit Union | Strong | Sound | Sound | Exceptional | $3,262 | -0.109% | 443 | |
13 | AMERICA FIRST Federal Credit Union | Strong | Sound | Sound | Exceptional | $1,954 | -0.028% | 209 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,105 | -0.077% | 166 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,890 | +0.127% | 139 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,766 | +0.136% | 121 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,225 | +0.033% | 112 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,158 | +0.175% | 95 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,752 | +0.241% | 61 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,088 | +0.165% | 60 | |
21 | GRANITE FEDERAL CREDIT UNION | Strong | Strong | Acceptable | Strong | $1,720 | -0.436% | 54 | |
22 | Bank of Utah | Strong | Sound | Strong | Strong | $4,330 | -0.337% | 42 | |
23 | Deseret First Credit Union | Strong | Sound | Strong | Strong | $3,530 | -0.188% | 34 | |
24 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,844 | +0.228% | 499 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,734 | +0.240% | 425 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,271 | +0.257% | 288 | |
27 | University First Federal Credit Union | Strong | Sound | Sound | Strong | $3,202 | +0.098% | 92 | |
28 | CYPRUS Federal Credit Union | Strong | Sound | Sound | Strong | $3,235 | +0.077% | 89 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,228 | -0.039% | 79 | |
30 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $2,078 | +0.093% | 63 | |
31 | Northpointe Bank | Strong | Sound | Strong | Sound | $4,239 | -0.041% | 51 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,998 | +0.134% | 335 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,085 | +0.535% | 201 | |
34 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,605 | +0.204% | 187 | |
35 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,140 | +0.156% | 126 | |
36 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Strong | $4,027 | +0.181% | 117 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,707 | +0.255% | 116 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,930 | +0.144% | 91 | |
39 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $4,539 | +0.105% | 68 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $3,904 | +0.077% | 35 | |
41 | BMO Bank National Association | Strong | Sound | Sound | Sound | $1,178 | +0.228% | 33 | |
42 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Exceptional | $5,784 | +0.572% | 579 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,636 | +0.343% | 102 | |
44 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,608 | +0.102% | 76 | |
45 | CHARTWAY FEDERAL CREDIT UNION | Sound | Acceptable | Sound | Strong | $5,507 | -0.376% | 62 | |
46 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,579 | +0.032% | 53 | |
47 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,752 | +0.211% | 47 | |
48 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $4,007 | +0.354% | 44 | |
49 | GOLDENWEST | Sound | Acceptable | Sound | Strong | $4,082 | -0.180% | 40 |
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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