Mortgage lenders in Box Elder County
2,061 mortgages were made in Box Elder County, Utah, in 2025, by 179 lenders. The median rate their borrowers got was 6.625% on a median loan of $275,000. Of 2,628 decisions, 428 were denials — 16.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 360 | 7.240% | $75,000 | 16.8% |
| GUILD MORTGAGE COMPANY | 201 | 6.500% | $335,000 | 1.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 172 | 6.125% | $375,000 | 11.7% |
| INTERCAP LENDING INC. | 146 | 6.500% | $355,000 | 0.0% |
| GOLDENWEST | 124 | 7.500% | $125,000 | 14.6% |
| Rocket Mortgage, LLC | 103 | 6.750% | $255,000 | 20.0% |
| FIRST COLONY MORTGAGE CORPORATION | 76 | 6.125% | $335,000 | 2.5% |
| KIND LENDING, LLC | 54 | 6.375% | $380,000 | 27.3% |
| Mountain America Federal Credit Union | 53 | 7.000% | $100,000 | 46.5% |
| HOMEAMERICAN MORTGAGE CORPORATION | 46 | 4.500% | $495,000 | 5.7% |
| Plains Commerce Bank | 38 | 6.625% | $315,000 | 7.3% |
| Bank of Utah | 34 | 6.375% | $280,000 | 2.8% |
| NATIONSTAR MORTGAGE LLC | 32 | 8.500% | $95,000 | 13.2% |
| MEMBERS FIRST CREDIT UNION | 31 | 7.740% | $65,000 | 8.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 24 | 6.375% | $330,000 | 4.0% |
| THE LOAN STORE, INC. | 23 | 6.750% | $385,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 5.999% | $425,000 | 19.2% |
| FREEDOM MORTGAGE CORPORATION | 19 | 6.125% | $395,000 | 10.3% |
| Fairway Independent Mortgage Corporation | 19 | 6.125% | $345,000 | 0.0% |
| Zions Bancorporation, N.A. | 17 | 7.800% | $195,000 | 21.6% |
| Mortgage Research Center, LLC | 16 | 5.813% | $410,000 | 38.5% |
| NEWREZ LLC | 15 | 6.250% | $285,000 | 34.8% |
| Broker Solutions, Inc. | 15 | 6.500% | $285,000 | 16.7% |
| Glacier Bank | 15 | 7.625% | $235,000 | 21.1% |
| Cache Valley Bank | 15 | 6.624% | $345,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 14 | 6.813% | $325,000 | 30.0% |
| RANLIFE, INC. | 14 | 5.933% | $370,000 | 0.0% |
| D. L. EVANS BANK | 14 | Not published | $205,000 | 17.7% |
| Loandepot.Com, LLC | 13 | 6.875% | $175,000 | 33.3% |
| SPRING EQ, LLC | 12 | 8.750% | $100,000 | 50.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.313% | $395,000 | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 11 | 7.000% | $325,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.558% | $360,000 | 9.1% |
| Sierra Pacific Mortgage Company, Inc. | 10 | 6.375% | $385,000 | 0.0% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| MY MOVE MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Deseret First Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 52.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 23.5% |
| CYPRUS Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 53.8% |
| ASCENT | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DIRECT RATE HOME LOANS, INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AgWest Farm Credit, FLCA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UTAH FIRST | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NORTHROP GRUMMAN Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MORIA DEVELOPMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wasatch Peaks Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY HOME MORTGAGE, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 42.9% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Financial Funding Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 88.9% |
| Coastal Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 80.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Utah Mortgage Loan Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDAHO CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HORIZON UTAH Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BEEHIVE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GRANITE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHARTWAY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ALAMEDA MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Presidential Bank, FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Home Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Central Trust Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bell Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| VAN DYK MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | Not published |
| WASHINGTON FEDERAL BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BELLCO CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| NUMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Box Elder County
9 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Zions Bancorporation, N.A. | 2 | $178.6 million |
| Bank of Utah | 2 | $129.9 million |
| D. L. Evans Bank | 2 | $65.8 million |
| Wells Fargo Bank, National Association | 1 | $96.2 million |
| Glacier Bank | 1 | $87.4 million |
| KeyBank National Association | 1 | $30.2 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.