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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 Mortgage Company Lenders in Utah
Updated February 6, 2026
Market Overview
49
Total Lenders
36,989
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $2,180 | -0.096% | 544 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,158 | +0.101% | 7,250 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $4,267 | +0.123% | 2,357 | |
4 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $3,266 | -0.068% | 971 | |
5 | SUN AMERICAN MORTGAGE COMPANY | Strong | Sound | Strong | Exceptional | $3,136 | +0.270% | 332 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,378 | +0.201% | 175 | |
7 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | $3,788 | +0.240% | 2,965 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,164 | +0.143% | 2,734 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,731 | +0.264% | 2,395 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,987 | +0.038% | 416 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,625 | -0.114% | 360 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,274 | +0.028% | 324 | |
13 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,868 | +0.141% | 307 | |
14 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Strong | $4,639 | -0.111% | 128 | |
15 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,965 | +0.204% | 1,182 | |
16 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | $2,919 | +0.161% | 991 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,515 | +0.267% | 632 | |
18 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | Strong | Exceptional | $4,439 | +0.272% | 434 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,407 | +0.044% | 197 | |
20 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $2,066 | +0.125% | 181 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,305 | +0.523% | 453 | |
22 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,903 | +0.131% | 418 | |
23 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,402 | +0.175% | 308 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,825 | +0.275% | 274 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $4,233 | +0.153% | 272 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,332 | +0.093% | 257 | |
27 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | $3,384 | +0.263% | 232 | |
28 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,275 | +0.048% | 191 | |
29 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,476 | +0.263% | 161 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,933 | +0.482% | 132 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $5,057 | +0.043% | 113 | |
32 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Exceptional | $5,640 | +0.543% | 1,162 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,890 | +0.333% | 308 | |
34 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,728 | +0.242% | 258 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,153 | +0.397% | 224 | |
36 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $6,858 | +0.857% | 138 | |
37 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $4,000 | +0.310% | 106 | |
38 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $3,273 | +0.344% | 91 | |
39 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $4,595 | +0.258% | 265 | |
40 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $5,629 | +0.627% | 143 | |
41 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | $3,840 | +0.604% | 131 | |
42 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Strong | Strong | $4,199 | +0.171% | 130 | |
43 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Strong | $4,332 | +0.450% | 104 | |
44 | CITYWIDE HOME LOANS, LLC | Sound | Acceptable | Acceptable | Strong | $4,229 | +0.167% | 95 | |
45 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Strong | $5,384 | +0.393% | 315 | |
46 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Sound | Strong | $4,813 | +0.391% | 168 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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