Safe Rate Rankings

Best Jumbo 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	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$821Fees	0.039%Below	248
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,175Fees	0.084%Above	169
3	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,868Fees	0.141%Above	307
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$625Fees	0.392%Below	114
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,158Fees	0.101%Above	7,250
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,164Fees	0.143%Above	2,734
7	Zions Bancorporation, N.A.Bank	Exceptional	Strong	Exceptional	Sound	Strong	$1,574Fees	0.140%Below	388
8	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,987Fees	0.038%Above	416
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,906Fees	0.115%Above	243
10	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$3,788Fees	0.240%Above	2,965
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,731Fees	0.264%Above	2,395
12	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Exceptional	$3,328Fees	0.137%Below	1,236
13	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,919Fees	0.161%Above	991
14	MY MOVE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	—	Strong	Exceptional	$3,266Fees	0.068%Below	971
15	Bank of UtahBank	Strong	Sound	—	Strong	Exceptional	$3,675Fees	0.160%Below	385
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,625Fees	0.114%Below	360
17	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$5,057Fees	0.043%Above	113
18	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,267Fees	0.123%Above	2,357
19	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,965Fees	0.204%Above	1,182
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,515Fees	0.267%Above	632
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,305Fees	0.523%Above	453
22	UTAH COMMUNITY FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Acceptable	Exceptional	$2,613Fees	0.030%Below	311
23	Cache Valley BankBank	Strong	Sound	Strong	Sound	Strong	$2,283Fees	0.072%Above	161
24	Deseret First Credit UnionCredit Union	Strong	Sound	—	Strong	Strong	$3,872Fees	0.181%Below	131
25	GOLDENWESTCredit Union	Strong	Acceptable	Strong	Sound	Exceptional	$3,949Fees	0.151%Below	488
26	SECURITY HOME MORTGAGE, LLC.Independent Mortgage Company	Strong	Acceptable	—	Strong	Exceptional	$4,439Fees	0.272%Above	434
27	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,890Fees	0.333%Above	308
28	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,728Fees	0.242%Above	258
29	CYPRUS Federal Credit UnionCredit Union	Strong	Sound	—	Sound	Strong	$3,333Fees	0.040%Above	161
30	University First Federal Credit UnionCredit Union	Strong	Sound	—	Sound	Strong	$3,096Fees	0.100%Above	132
31	CLM MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	—	Strong	Strong	$5,402Fees	0.175%Above	308
32	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,378Fees	0.201%Above	175
33	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Sound	Sound	Sound	Mediocre	Strong	$3,903Fees	0.131%Above	418
34	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$3,153Fees	0.397%Above	224
35	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$5,629Fees	0.627%Above	143
36	Glacier BankBank	Sound	Mediocre	Exceptional	Sound	Strong	$3,745Fees	0.202%Below	107
37	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Exceptional	$5,640Fees	0.543%Above	1,162
38	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$3,476Fees	0.263%Above	161
39	GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$3,840Fees	0.604%Above	131
40	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Mediocre	Strong	$4,199Fees	0.171%Above	130

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.