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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 FHA Mortgage Company Lenders in Salt Lake City
Updated February 5, 2026
Market Overview
43
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,212 | +0.111% | 2,731 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,225 | +0.033% | 112 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,320 | +0.131% | 604 | |
4 | KIND LENDING, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,844 | +0.228% | 499 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,890 | +0.127% | 139 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,752 | +0.241% | 61 | |
7 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,621 | +0.231% | 1,154 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,226 | +0.174% | 1,019 | |
9 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,609 | -0.057% | 337 | |
10 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,998 | +0.134% | 335 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,105 | -0.077% | 166 | |
12 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $4,539 | +0.105% | 68 | |
13 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $2,078 | +0.093% | 63 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,271 | +0.257% | 288 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,608 | +0.102% | 76 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,734 | +0.240% | 425 | |
17 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,140 | +0.156% | 126 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,766 | +0.136% | 121 | |
19 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Exceptional | Strong | $4,027 | +0.181% | 117 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,707 | +0.255% | 116 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,228 | -0.039% | 79 | |
22 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,784 | +0.572% | 579 | |
23 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,989 | +0.854% | 113 | |
24 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,527 | +0.647% | 59 | |
25 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,579 | +0.032% | 53 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,752 | +0.211% | 47 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,007 | +0.354% | 44 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,904 | +0.077% | 35 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,085 | +0.535% | 201 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,930 | +0.144% | 91 | |
31 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,636 | +0.623% | 72 | |
32 | NATIONS RELIABLE LENDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,940 | +0.226% | 68 | |
33 | CITYWIDE HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,185 | +0.203% | 59 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,427 | +0.569% | 54 | |
35 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,908 | +0.211% | 36 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,854 | +0.679% | 32 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,636 | +0.343% | 102 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,744 | +0.301% | 46 | |
39 | VERITAS FUNDING, LLC | Sound | Mediocre | Strong | Sound | Strong | $5,172 | +0.573% | 135 | |
40 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | 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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