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