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