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