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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 Salt Lake City
Updated February 5, 2026
Market Overview
45
Total Lenders
12,383
Total Loans
0.26%
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 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $3,609 | -0.057% | 337 | |
5 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | $3,621 | +0.231% | 1,154 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,226 | +0.174% | 1,019 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,105 | -0.077% | 166 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,890 | +0.127% | 139 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,766 | +0.136% | 121 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,225 | +0.033% | 112 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,752 | +0.241% | 61 | |
12 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,844 | +0.228% | 499 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,734 | +0.240% | 425 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,271 | +0.257% | 288 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,228 | -0.039% | 79 | |
16 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $2,078 | +0.093% | 63 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,998 | +0.134% | 335 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,085 | +0.535% | 201 | |
19 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,140 | +0.156% | 126 | |
20 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Strong | $4,027 | +0.181% | 117 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,707 | +0.255% | 116 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,930 | +0.144% | 91 | |
23 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $4,539 | +0.105% | 68 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $3,904 | +0.077% | 35 | |
25 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Exceptional | $5,784 | +0.572% | 579 | |
26 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $6,989 | +0.854% | 113 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,636 | +0.343% | 102 | |
28 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,608 | +0.102% | 76 | |
29 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,579 | +0.032% | 53 | |
30 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,752 | +0.211% | 47 | |
31 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $4,007 | +0.354% | 44 | |
32 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $5,636 | +0.623% | 72 | |
33 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Strong | Strong | $3,940 | +0.226% | 68 | |
34 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | $3,527 | +0.647% | 59 | |
35 | CITYWIDE HOME LOANS, LLC | Sound | Acceptable | Acceptable | Strong | $4,185 | +0.203% | 59 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,427 | +0.569% | 54 | |
37 | ON Q FINANCIAL, LLC | Sound | Acceptable | Sound | Sound | $3,908 | +0.211% | 36 | |
38 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,854 | +0.679% | 32 | |
39 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Strong | $5,172 | +0.573% | 135 | |
40 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,744 | +0.301% | 46 | |
41 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Sound | Sound | $4,469 | +0.386% | 43 |
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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