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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 Utah
Updated February 6, 2026
Market Overview
182
Total Lenders
44,455
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $2,180 | -0.096% | 544 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,158 | +0.101% | 7,250 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $4,267 | +0.123% | 2,357 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $821 | -0.039% | 248 | |
5 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $625 | -0.392% | 114 | |
6 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $3,266 | -0.068% | 971 | |
7 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $1,574 | -0.140% | 388 | |
8 | Bank of Utah | Strong | Sound | Strong | Exceptional | $3,675 | -0.160% | 385 | |
9 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Exceptional | $3,136 | +0.270% | 332 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,378 | +0.201% | 175 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,175 | +0.084% | 169 | |
12 | State Bank of Southern Utah | Strong | Strong | Sound | Strong | $406 | +0.231% | 140 | |
13 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | $3,788 | +0.240% | 2,965 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,164 | +0.143% | 2,734 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,731 | +0.264% | 2,395 | |
16 | Mountain America Federal Credit Union | Strong | Sound | Sound | Exceptional | $3,328 | -0.137% | 1,236 | |
17 | AMERICA FIRST Federal Credit Union | Strong | Sound | Sound | Exceptional | $1,797 | -0.005% | 750 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,987 | +0.038% | 416 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,625 | -0.114% | 360 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,274 | +0.028% | 324 | |
21 | UTAH COMMUNITY FEDERAL CREDIT UNION | Strong | Sound | Sound | Exceptional | $2,613 | -0.030% | 311 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,868 | +0.141% | 307 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,906 | +0.115% | 243 | |
24 | Deseret First Credit Union | Strong | Sound | Strong | Strong | $3,872 | -0.181% | 131 | |
25 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Strong | $4,639 | -0.111% | 128 | |
26 | Northpointe Bank | Strong | Sound | Strong | Strong | $3,434 | -0.124% | 111 | |
27 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,965 | +0.204% | 1,182 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | $2,919 | +0.161% | 991 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,515 | +0.267% | 632 | |
30 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Exceptional | $4,439 | +0.272% | 434 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,407 | +0.044% | 197 | |
32 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $2,066 | +0.125% | 181 | |
33 | Cache Valley Bank | Strong | Sound | Sound | Strong | $2,283 | +0.072% | 161 | |
34 | CYPRUS Federal Credit Union | Strong | Sound | Sound | Strong | $3,333 | +0.040% | 161 | |
35 | University First Federal Credit Union | Strong | Sound | Sound | Strong | $3,096 | +0.100% | 132 | |
36 | GOLDENWEST | Strong | Acceptable | Sound | Exceptional | $3,949 | -0.151% | 488 | |
37 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,887 | +0.162% | 475 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,305 | +0.523% | 453 | |
39 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,903 | +0.131% | 418 | |
40 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,402 | +0.175% | 308 | |
41 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,825 | +0.275% | 274 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $4,233 | +0.153% | 272 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,332 | +0.093% | 257 | |
44 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | $3,384 | +0.263% | 232 | |
45 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,275 | +0.048% | 191 | |
46 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,476 | +0.263% | 161 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,933 | +0.482% | 132 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $5,057 | +0.043% | 113 | |
49 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,890 | +0.333% | 308 | |
50 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,728 | +0.242% | 258 |
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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