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