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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 Company Lenders in Salt Lake City
Updated February 5, 2026
Market Overview
44
Total Lenders
14,592
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,108 | -0.129% | 174 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,212 | +0.111% | 2,731 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,226 | +0.174% | 1,019 | |
4 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,609 | -0.057% | 337 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,105 | -0.077% | 166 | |
6 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,621 | +0.231% | 1,154 | |
7 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,320 | +0.131% | 604 | |
8 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,844 | +0.228% | 499 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,890 | +0.127% | 139 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,752 | +0.241% | 61 | |
11 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,752 | +0.211% | 47 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,734 | +0.240% | 425 | |
13 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,998 | +0.134% | 335 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,271 | +0.257% | 288 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,085 | +0.535% | 201 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,766 | +0.136% | 121 | |
17 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,707 | +0.255% | 116 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,225 | +0.033% | 112 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,930 | +0.144% | 91 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,228 | -0.039% | 79 | |
21 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $2,078 | +0.093% | 63 | |
22 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,140 | +0.156% | 126 | |
23 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,636 | +0.343% | 102 | |
24 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,608 | +0.102% | 76 | |
25 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,579 | +0.032% | 53 | |
26 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,744 | +0.301% | 46 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,904 | +0.077% | 35 | |
28 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $6,989 | +0.854% | 113 | |
29 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,636 | +0.623% | 72 | |
30 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,940 | +0.226% | 68 | |
31 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,539 | +0.105% | 68 | |
32 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,007 | +0.354% | 44 | |
33 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Exceptional | $5,784 | +0.572% | 579 | |
34 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | Strong | $3,527 | +0.647% | 59 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,427 | +0.569% | 54 | |
36 | ON Q FINANCIAL, LLC | Sound | Acceptable | Strong | Sound | Sound | $3,908 | +0.211% | 36 | |
37 | SECURITY HOME MORTGAGE, LLC. | Sound | Mediocre | Sound | Strong | Strong | $4,027 | +0.181% | 117 | |
38 | CITYWIDE HOME LOANS, LLC | Sound | Acceptable | Sound | Acceptable | Strong | $4,185 | +0.203% | 59 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $3,854 | +0.679% | 32 | |
40 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Sound | Strong | $5,172 | +0.573% | 135 | |
41 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Sound | Acceptable | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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