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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 Utah

Updated February 6, 2026

Market Overview

182

Total Lenders

44,455

Total Loans

0.18%

Median Rate Spread

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

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