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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 Company Lenders in Utah
Updated February 6, 2026
Market Overview
29
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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,868 | +0.141% | 307 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,158 | +0.101% | 7,250 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,164 | +0.143% | 2,734 | |
4 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,987 | +0.038% | 416 | |
5 | INTERCAP LENDING INC. | Strong | Sound | Strong | Sound | Exceptional | $3,788 | +0.240% | 2,965 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,731 | +0.264% | 2,395 | |
7 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,919 | +0.161% | 991 | |
8 | MY MOVE MORTGAGE, LLC | Strong | Sound | — | Strong | Exceptional | $3,266 | -0.068% | 971 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,625 | -0.114% | 360 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Sound | $5,057 | +0.043% | 113 | |
11 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $4,267 | +0.123% | 2,357 | |
12 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,965 | +0.204% | 1,182 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,515 | +0.267% | 632 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,305 | +0.523% | 453 | |
15 | SECURITY HOME MORTGAGE, LLC. | Strong | Acceptable | — | Strong | Exceptional | $4,439 | +0.272% | 434 | |
16 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,890 | +0.333% | 308 | |
17 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,728 | +0.242% | 258 | |
18 | CLM MORTGAGE, INC. | Strong | Acceptable | — | Strong | Strong | $5,402 | +0.175% | 308 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Strong | $2,378 | +0.201% | 175 | |
20 | CANOPY MORTGAGE, LLC | Sound | Sound | Sound | Mediocre | Strong | $3,903 | +0.131% | 418 | |
21 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $3,153 | +0.397% | 224 | |
22 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $5,629 | +0.627% | 143 | |
23 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Acceptable | Exceptional | $5,640 | +0.543% | 1,162 | |
24 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,476 | +0.263% | 161 | |
25 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Sound | Strong | $3,840 | +0.604% | 131 | |
26 | 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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