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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 Lenders in St. George
Updated February 5, 2026
Market Overview
50
Total Lenders
3,119
Total Loans
0.13%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,799 | +0.095% | 409 | |
2 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,994 | +0.291% | 173 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $2,587 | -0.043% | 21 | |
4 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Exceptional | $3,102 | +0.281% | 233 | |
5 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $2,798 | +0.130% | 92 | |
6 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $1,489 | -0.108% | 58 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,974 | +0.285% | 454 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,957 | +0.058% | 181 | |
9 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | $3,486 | +0.171% | 149 | |
10 | Mountain America Federal Credit Union | Strong | Sound | Sound | Exceptional | $3,463 | -0.174% | 110 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $4,136 | +0.534% | 26 | |
12 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Exceptional | $3,233 | +0.285% | 188 | |
13 | AMERICA FIRST Federal Credit Union | Strong | Sound | Sound | Strong | $2,587 | +0.081% | 35 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,555 | -0.007% | 30 | |
15 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $4,593 | +0.103% | 27 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,790 | +0.231% | 22 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,523 | +0.119% | 115 | |
18 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,598 | +0.222% | 46 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,780 | +0.378% | 41 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,717 | +0.208% | 22 | |
21 | Cache Valley Bank | Strong | Sound | Sound | Sound | $1,574 | +0.144% | 20 | |
22 | GOLDENWEST | Sound | Acceptable | Sound | Strong | $4,897 | -0.239% | 29 | |
23 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $5,225 | +0.404% | 25 | |
24 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,835 | +0.323% | 24 | |
25 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,687 | +0.243% | 21 | |
26 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,653 | +0.332% | 21 | |
27 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | $5,470 | +0.441% | 34 | |
28 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Sound | $5,816 | +0.171% | 21 |
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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