Refinancing lenders in Salt Lake County
5,861 refinancing mortgages were made in Salt Lake County, Utah, in 2025, by 273 lenders. The median rate their borrowers got was 6.375% on a median loan of $305,000. Of 8,121 decisions, 1,894 were denials — 23.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 1,321 | 7.240% | $115,000 | 18.0% |
| Mountain America Federal Credit Union | 906 | 7.500% | $135,000 | 45.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 688 | 5.999% | $485,000 | 11.2% |
| Rocket Mortgage, LLC | 358 | 6.125% | $495,000 | 15.9% |
| Zions Bancorporation, N.A. | 197 | 6.249% | $275,000 | 19.7% |
| INTERCAP LENDING INC. | 155 | 6.250% | $455,000 | 2.4% |
| FREEDOM MORTGAGE CORPORATION | 141 | 6.250% | $445,000 | 4.7% |
| University First Federal Credit Union | 101 | 4.990% | $155,000 | 16.9% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 96 | 6.990% | $195,000 | 21.0% |
| KIND LENDING, LLC | 79 | 6.125% | $475,000 | 30.8% |
| PENNYMAC LOAN SERVICES, LLC | 78 | 5.990% | $505,000 | 16.1% |
| GUILD MORTGAGE COMPANY | 77 | 6.125% | $495,000 | 2.5% |
| LONGBRIDGE FINANCIAL, LLC | 66 | 6.000% | $295,000 | 7.8% |
| RANLIFE, INC. | 63 | 6.125% | $415,000 | 7.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 62 | 6.125% | $485,000 | 6.1% |
| LAKEVIEW LOAN SERVICING, LLC | 53 | 5.990% | $455,000 | 47.2% |
| NEWREZ LLC | 53 | 5.875% | $455,000 | 30.9% |
| THE LOAN STORE, INC. | 52 | 6.375% | $440,000 | 7.7% |
| Fairway Independent Mortgage Corporation | 48 | 6.125% | $505,000 | 2.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 45 | 6.125% | $215,000 | 9.8% |
| UTAH FIRST | 43 | 7.750% | $155,000 | 38.5% |
| NATIONSTAR MORTGAGE LLC | 43 | 6.125% | $395,000 | 6.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 40 | 6.250% | $485,000 | 4.7% |
| CHARTWAY FEDERAL CREDIT UNION | 37 | 2.990% | $225,000 | 27.3% |
| FINANCE OF AMERICA REVERSE LLC | 37 | 6.375% | $255,000 | 15.9% |
| PHH Mortgage Corporation | 34 | 5.990% | $275,000 | 10.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 31 | 5.750% | $425,000 | 7.6% |
| FIRST COLONY MORTGAGE CORPORATION | 31 | 6.125% | $465,000 | 0.0% |
| U.S. Bank National Association | 30 | 6.433% | $315,000 | 15.8% |
| JPMorgan Chase Bank, National Association | 30 | 6.125% | $505,000 | 6.1% |
| Bank of America, National Association | 25 | 5.525% | $335,000 | 30.6% |
| CANOPY MORTGAGE, LLC | 24 | 6.058% | $520,000 | 7.7% |
| Loandepot.Com, LLC | 24 | 5.625% | $480,000 | 21.9% |
| SECURITYNATIONAL MORTGAGE COMPANY | 23 | 5.990% | $435,000 | 30.3% |
| SPRING EQ, LLC | 22 | 9.350% | $210,000 | 53.7% |
| GUARANTEED RATE, INC. | 22 | 6.125% | $505,000 | 20.7% |
| DIRECT RATE HOME LOANS, INC | 20 | 6.125% | $505,000 | 16.7% |
| GOLDENWEST | 18 | 6.500% | $280,000 | 23.5% |
| CMG MORTGAGE, INC. | 17 | 6.125% | $445,000 | 10.0% |
| Paramount Residential Mortgage Group, Inc. | 17 | 6.000% | $555,000 | 5.6% |
| Discover Bank | 16 | 8.985% | $145,000 | 61.9% |
| Broker Solutions, Inc. | 16 | 5.995% | $360,000 | 5.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 5.870% | $655,000 | 9.5% |
| MY MOVE MORTGAGE, LLC | 15 | 6.125% | $585,000 | 0.0% |
| ALLIANT CREDIT UNION | 15 | 8.250% | $185,000 | 21.1% |
| PLANET HOME LENDING, LLC | 15 | 5.625% | $415,000 | 15.8% |
| Deseret First Credit Union | 15 | 7.500% | $205,000 | 11.8% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 15 | 6.125% | $185,000 | 6.3% |
| GRANITE FEDERAL CREDIT UNION | 14 | 6.625% | $430,000 | 15.0% |
| CYPRUS Federal Credit Union | 13 | 6.859% | $495,000 | 31.6% |
| BETTER MORTGAGE CORPORATION | 13 | 6.125% | $425,000 | 27.8% |
| Mortgage Research Center, LLC | 12 | 5.625% | $455,000 | 40.0% |
| PNC Bank, National Association | 12 | 6.490% | $125,000 | 36.8% |
| GARDNER FINANCIAL SERVICES, LTD. | 12 | 6.563% | $440,000 | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.375% | $435,000 | 38.9% |
| RESICENTRAL, LLC | 11 | 6.125% | $425,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 5.875% | $390,000 | 8.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.058% | $385,000 | 9.1% |
| UNION HOME MORTGAGE CORP. | 10 | 6.125% | $590,000 | 0.0% |
| Plains Commerce Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 9.1% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NexBank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY HOME MORTGAGE, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 7 | Under 10 loans | Under 10 loans | 46.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| WALKER & DUNLOP, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Jordan Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American United Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Bank of Utah | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 44.4% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 11.1% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Gateway First Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cache Valley Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SUN AMERICAN MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DELTA COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Mortgage Loan Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ECLIPSE BANK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| D. L. EVANS BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quad City Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Southern Utah | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 73 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.