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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of Utah | Exceptional | Exceptional | Strong | Strong | Exceptional | $3,675 | -0.160% | 385 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,158 | +0.101% | 7,250 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,274 | +0.028% | 324 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,378 | +0.201% | 175 | |
5 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,267 | +0.123% | 2,357 | |
6 | Mountain America Federal Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $3,328 | -0.137% | 1,236 | |
7 | KIND LENDING, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,965 | +0.204% | 1,182 | |
8 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,919 | +0.161% | 991 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,987 | +0.038% | 416 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $821 | -0.039% | 248 | |
11 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,788 | +0.240% | 2,965 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,164 | +0.143% | 2,734 | |
13 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,266 | -0.068% | 971 | |
14 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,887 | +0.162% | 475 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,625 | -0.114% | 360 | |
16 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Strong | Exceptional | $3,136 | +0.270% | 332 | |
17 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $5,402 | +0.175% | 308 | |
18 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $2,066 | +0.125% | 181 | |
19 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | Strong | $4,639 | -0.111% | 128 | |
20 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $3,434 | -0.124% | 111 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,731 | +0.264% | 2,395 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,515 | +0.267% | 632 | |
23 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,439 | +0.272% | 434 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,728 | +0.242% | 258 | |
25 | Glacier Bank | Strong | Sound | Strong | Strong | Strong | $3,745 | -0.202% | 107 | |
26 | AMERICA FIRST Federal Credit Union | Strong | Sound | Sound | Sound | Exceptional | $1,797 | -0.005% | 750 | |
27 | GOLDENWEST | Strong | Sound | Sound | Sound | Exceptional | $3,949 | -0.151% | 488 | |
28 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,903 | +0.131% | 418 | |
29 | UTAH COMMUNITY FEDERAL CREDIT UNION | Strong | Sound | Sound | Sound | Exceptional | $2,613 | -0.030% | 311 | |
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 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,407 | +0.044% | 197 | |
33 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,275 | +0.048% | 191 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,476 | +0.263% | 161 | |
35 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,933 | +0.482% | 132 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,057 | +0.043% | 113 | |
37 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,640 | +0.543% | 1,162 | |
38 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Strong | $3,384 | +0.263% | 232 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,153 | +0.397% | 224 | |
40 | CYPRUS Federal Credit Union | Strong | Sound | — | Sound | Strong | $3,333 | +0.040% | 161 | |
41 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,858 | +0.857% | 138 | |
42 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,840 | +0.604% | 131 | |
43 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,000 | +0.310% | 106 | |
44 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,273 | +0.344% | 91 | |
45 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,305 | +0.523% | 453 | |
46 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,595 | +0.258% | 265 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,332 | +0.093% | 257 | |
48 | CITYWIDE HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,229 | +0.167% | 95 |
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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