Safe Rate Rankings

Best Conventional Mortgage Lenders in Utah

Updated February 6, 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 Lenders182

Total Loans44,455

Median Rate Spread0.18%

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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	Strong	$2,180Fees	0.096%Below	544
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$821Fees	0.039%Below	248
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$625Fees	0.392%Below	114
4	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,175Fees	0.084%Above	169
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,158Fees	0.101%Above	7,250
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,164Fees	0.143%Above	2,734
7	MY MOVE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$3,266Fees	0.068%Below	971
8	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Strong	$1,574Fees	0.140%Below	388
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,625Fees	0.114%Below	360
10	SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$3,136Fees	0.270%Above	332
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,906Fees	0.115%Above	243
12	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,378Fees	0.201%Above	175
13	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,476Fees	0.263%Above	161
14	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,434Fees	0.124%Below	111
15	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,788Fees	0.240%Above	2,965
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,731Fees	0.264%Above	2,395
17	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,267Fees	0.123%Above	2,357
18	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Exceptional	$3,328Fees	0.137%Below	1,236
19	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,965Fees	0.204%Above	1,182
20	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,919Fees	0.161%Above	991
21	AMERICA FIRST Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Exceptional	$1,797Fees	0.005%Below	750
22	GOLDENWESTCredit Union	Strong	Sound	Strong	Sound	Exceptional	$3,949Fees	0.151%Below	488
23	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,987Fees	0.038%Above	416
24	UTAH COMMUNITY FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Sound	Exceptional	$2,613Fees	0.030%Below	311
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,515Fees	0.267%Above	632
26	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,887Fees	0.162%Above	475
27	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,305Fees	0.523%Above	453
28	Bank of UtahBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,675Fees	0.160%Below	385
29	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,274Fees	0.028%Above	324
30	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,868Fees	0.141%Above	307
31	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,825Fees	0.275%Above	274
32	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,595Fees	0.258%Above	265
33	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,332Fees	0.093%Above	257
34	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,407Fees	0.044%Above	197
35	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,275Fees	0.048%Above	191
36	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,066Fees	0.125%Above	181
37	Cache Valley BankBank	Strong	Sound	Sound	Strong	Strong	$2,283Fees	0.072%Above	161
38	State Bank of Southern UtahBank	Strong	Strong	Sound	Acceptable	Strong	$406Fees	0.231%Above	140
39	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,933Fees	0.482%Above	132
40	Deseret First Credit UnionCredit Union	Strong	Sound	Sound	Strong	Strong	$3,872Fees	0.181%Below	131
41	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,903Fees	0.131%Above	418
42	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,890Fees	0.333%Above	308
43	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,728Fees	0.242%Above	258
44	BELEM SERVICING LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,384Fees	0.263%Above	232
45	NEST HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	Strong	$4,639Fees	0.111%Below	128
46	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,057Fees	0.043%Above	113
47	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Strong	$3,745Fees	0.202%Below	107
48	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,273Fees	0.344%Above	91
49	CLM MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$5,402Fees	0.175%Above	308
50	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$4,233Fees	0.153%Above	272

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.