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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,212 | +0.111% | 2,731 | |
2 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $4,320 | +0.131% | 604 | |
3 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,844 | +0.228% | 499 | |
4 | INTERCAP LENDING INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,621 | +0.231% | 1,154 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,890 | +0.127% | 139 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,766 | +0.136% | 121 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,225 | +0.033% | 112 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,109 | -0.315% | 32 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,228 | -0.039% | 79 | |
10 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $4,007 | +0.354% | 44 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,226 | +0.174% | 1,019 | |
12 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,609 | -0.057% | 337 | |
13 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,998 | +0.134% | 335 | |
14 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,605 | +0.204% | 187 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,105 | -0.077% | 166 | |
16 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,707 | +0.255% | 116 | |
17 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,608 | +0.102% | 76 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,271 | +0.257% | 288 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,734 | +0.240% | 425 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,085 | +0.535% | 201 | |
21 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Strong | Strong | Exceptional | $5,784 | +0.572% | 579 | |
22 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,854 | +0.679% | 32 |
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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