Safe Rate Rankings

Best Conventional Mortgage Lenders in St. George

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders50

Total Loans3,119

Median Rate Spread0.13%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,587Fees	0.043%Below	21
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$941Fees	0.063%Above	17
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,799Fees	0.095%Above	409
4	SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$3,102Fees	0.281%Above	233
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,957Fees	0.058%Above	181
6	MY MOVE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,798Fees	0.130%Above	92
7	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Strong	$1,489Fees	0.108%Below	58
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,530Fees	0.051%Below	11
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,974Fees	0.285%Above	454
10	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,994Fees	0.291%Above	173
11	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,486Fees	0.171%Above	149
12	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Exceptional	$3,463Fees	0.174%Below	110
13	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,593Fees	0.103%Above	27
14	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,136Fees	0.534%Above	26
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,790Fees	0.231%Above	22
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,708Fees	0.141%Above	14
17	BELEM SERVICING LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,233Fees	0.285%Above	188
18	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,523Fees	0.119%Above	115
19	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,598Fees	0.222%Above	46
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,780Fees	0.378%Above	41
21	AMERICA FIRST Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Strong	$2,587Fees	0.081%Above	35
22	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,555Fees	0.007%Below	30
23	GOLDENWESTCredit Union	Strong	Sound	Strong	Sound	Strong	$4,897Fees	0.239%Below	29
24	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,225Fees	0.404%Above	25
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,717Fees	0.208%Above	22
26	Cache Valley BankBank	Strong	Sound	Sound	Strong	Sound	$1,574Fees	0.144%Above	20
27	State Bank of Southern UtahBank	Strong	Strong	Sound	Acceptable	Sound	$1,405Fees	0.145%Above	18
28	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,178Fees	0.276%Above	16
29	Deseret First Credit UnionCredit Union	Strong	Sound	Sound	Strong	Sound	$2,804Fees	0.020%Above	16
30	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,630Fees	0.351%Above	14
31	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,009Fees	0.135%Below	11
32	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,674Fees	0.188%Above	11
33	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,835Fees	0.323%Above	24
34	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,687Fees	0.243%Above	21
35	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,653Fees	0.332%Above	21
36	Bank of UtahBank	Strong	Acceptable	Strong	Strong	Sound	$4,633Fees	0.141%Below	16
37	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Sound	$4,047Fees	0.001%Below	14
38	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,558Fees	0.309%Above	10
39	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,317Fees	0.246%Above	10
40	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$5,470Fees	0.441%Above	34
41	Citadel Servicing CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$4,750Fees	1.691%Above	11
42	SECURITY HOME MORTGAGE, LLC.Independent Mortgage Company	Sound	Mediocre	Sound	Strong	Sound	$6,261Fees	0.392%Above	11
43	VERITAS FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$5,816Fees	0.171%Above	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.