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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$2,108	-0.129%	174
2	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$456	-0.001%	80
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,109	-0.315%	32
4	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$708	-0.109%	35
5	KeyBank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,390	+0.136%	34
6	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,212	+0.111%	2,731
7	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,226	+0.174%	1,019
8	MY MOVE MORTGAGE, LLC	Strong	Sound	Strong	Strong	Exceptional	$3,609	-0.057%	337
9	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$4,105	-0.077%	166
10	Zions Bancorporation, N.A.	Strong	Strong	Strong	Sound	Strong	$1,624	-0.222%	151
11	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,158	+0.175%	95
12	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,088	+0.165%	60
13	INTERCAP LENDING INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,621	+0.231%	1,154
14	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,320	+0.131%	604
15	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,844	+0.228%	499
16	Mountain America Federal Credit Union	Strong	Sound	Strong	Sound	Exceptional	$3,262	-0.109%	443
17	AMERICA FIRST Federal Credit Union	Strong	Sound	Strong	Sound	Exceptional	$1,954	-0.028%	209
18	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,890	+0.127%	139
19	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,752	+0.241%	61
20	Northpointe Bank	Strong	Sound	Exceptional	Strong	Sound	$4,239	-0.041%	51
21	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,752	+0.211%	47
22	BMO Bank National Association	Strong	Strong	Strong	Sound	Sound	$1,178	+0.228%	33
23	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,734	+0.240%	425
24	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,998	+0.134%	335
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,271	+0.257%	288
26	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,085	+0.535%	201
27	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,605	+0.204%	187
28	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,766	+0.136%	121
29	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,707	+0.255%	116
30	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,225	+0.033%	112
31	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,930	+0.144%	91
32	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,228	-0.039%	79
33	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Strong	$2,078	+0.093%	63
34	GOLDENWEST	Strong	Sound	Strong	Sound	Strong	$4,082	-0.180%	40
35	Deseret First Credit Union	Strong	Sound	Sound	Strong	Strong	$3,530	-0.188%	34
36	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,140	+0.156%	126
37	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,636	+0.343%	102
38	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,608	+0.102%	76
39	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,579	+0.032%	53
40	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,744	+0.301%	46
41	Bank of Utah	Strong	Acceptable	Strong	Strong	Strong	$4,330	-0.337%	42
42	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$3,904	+0.077%	35
43	ALAMEDA MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$6,989	+0.854%	113
44	University First Federal Credit Union	Strong	Sound	Sound	Acceptable	Strong	$3,202	+0.098%	92
45	CYPRUS Federal Credit Union	Strong	Sound	Sound	Acceptable	Strong	$3,235	+0.077%	89
46	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$5,636	+0.623%	72
47	NATIONS RELIABLE LENDING, LLC	Strong	Acceptable	Strong	Sound	Strong	$3,940	+0.226%	68
48	CLM MORTGAGE, INC.	Strong	Acceptable	Strong	Sound	Strong	$4,539	+0.105%	68
49	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,007	+0.354%	44
50	CHARTWAY FEDERAL CREDIT UNION	Sound	Acceptable	Sound	Sound	Strong	$5,507	-0.376%	62

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.

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