Mortgage lenders in Utah County
20,129 mortgages were made in Utah County, Utah, in 2025, by 381 lenders. The median rate their borrowers got was 6.500% on a median loan of $365,000. Of 25,964 decisions, 4,609 were denials — 17.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,020 | 6.250% | $445,000 | 9.7% |
| AMERICA FIRST Federal Credit Union | 1,733 | 7.240% | $105,000 | 20.8% |
| FIRST COLONY MORTGAGE CORPORATION | 1,424 | 6.250% | $435,000 | 1.6% |
| Mountain America Federal Credit Union | 1,324 | 7.500% | $125,000 | 42.9% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 1,113 | 6.990% | $135,000 | 17.2% |
| Rocket Mortgage, LLC | 912 | 6.500% | $385,000 | 14.5% |
| INTERCAP LENDING INC. | 768 | 6.625% | $415,000 | 1.1% |
| DHI MORTGAGE COMPANY, LTD. | 680 | 5.875% | $385,000 | 9.2% |
| GUILD MORTGAGE COMPANY | 615 | 6.500% | $435,000 | 1.6% |
| SECURITYNATIONAL MORTGAGE COMPANY | 461 | 6.625% | $405,000 | 6.5% |
| LENNAR MORTGAGE, LLC | 444 | 4.990% | $425,000 | 9.4% |
| KIND LENDING, LLC | 438 | 6.500% | $445,000 | 20.9% |
| THE LOAN STORE, INC. | 410 | 6.625% | $395,000 | 5.6% |
| MY MOVE MORTGAGE, LLC | 336 | 6.063% | $485,000 | 0.0% |
| SECURITY HOME MORTGAGE, LLC. | 312 | 6.500% | $435,000 | 1.9% |
| Zions Bancorporation, N.A. | 249 | 6.490% | $290,000 | 25.6% |
| GOLDENWEST | 242 | 7.500% | $155,000 | 21.6% |
| PENNYMAC LOAN SERVICES, LLC | 236 | 6.124% | $415,000 | 17.8% |
| UTAH FIRST | 229 | 7.500% | $105,000 | 35.1% |
| Plains Commerce Bank | 210 | 6.500% | $395,000 | 5.4% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 180 | 6.990% | $155,000 | 28.2% |
| Loandepot.Com, LLC | 179 | 6.125% | $415,000 | 17.1% |
| Deseret First Credit Union | 171 | 7.500% | $135,000 | 12.2% |
| CANOPY MORTGAGE, LLC | 168 | 6.375% | $445,000 | 2.3% |
| NATIONSTAR MORTGAGE LLC | 164 | 8.500% | $135,000 | 16.3% |
| CYPRUS Federal Credit Union | 148 | 4.990% | $120,000 | 39.8% |
| NEST HOME LENDING, LLC | 141 | 5.875% | $405,000 | 0.7% |
| INSPIRE HOME LOANS INC. | 131 | 4.875% | $445,000 | 5.0% |
| RANLIFE, INC. | 127 | 6.375% | $425,000 | 0.8% |
| Fairway Independent Mortgage Corporation | 126 | 6.625% | $425,000 | 1.6% |
| NEWREZ LLC | 124 | 6.688% | $465,000 | 32.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 122 | 6.575% | $435,000 | 2.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 118 | 6.250% | $465,000 | 11.9% |
| FREEDOM MORTGAGE CORPORATION | 116 | 6.125% | $445,000 | 13.1% |
| U.S. Bank National Association | 112 | 6.875% | $290,000 | 33.3% |
| CENTRAL BANK | 104 | Not published | $460,000 | 2.7% |
| University First Federal Credit Union | 103 | 4.990% | $125,000 | 31.3% |
| Paramount Residential Mortgage Group, Inc. | 98 | 6.313% | $425,000 | 2.9% |
| SPRING EQ, LLC | 97 | 9.300% | $95,000 | 55.7% |
| HOMEAMERICAN MORTGAGE CORPORATION | 92 | 4.750% | $630,000 | 10.5% |
| Broker Solutions, Inc. | 86 | 6.624% | $370,000 | 9.2% |
| Northpointe Bank | 86 | 6.125% | $505,000 | 5.4% |
| CLM MORTGAGE, INC. | 84 | 6.125% | $435,000 | 2.1% |
| PLANET HOME LENDING, LLC | 84 | 6.250% | $415,000 | 4.6% |
| GUARANTEED RATE, INC. | 81 | 6.575% | $435,000 | 13.4% |
| AMWEST FUNDING CORP. | 81 | 6.375% | $445,000 | 12.0% |
| VERITAS FUNDING, LLC | 81 | 6.250% | $405,000 | 1.2% |
| JPMorgan Chase Bank, National Association | 77 | 6.490% | $395,000 | 25.0% |
| Glacier Bank | 72 | 7.250% | $400,000 | 19.4% |
| FIGURE LENDING LLC | 68 | 9.038% | $80,000 | 24.2% |
| Coastal Community Bank | 61 | 9.740% | $85,000 | 3.2% |
| 254900QGEOVPON4RPMO4 | 56 | 6.990% | $65,000 | 5.1% |
| BETTER MORTGAGE CORPORATION | 55 | 7.000% | $355,000 | 41.2% |
| ALLIANT CREDIT UNION | 54 | 7.750% | $225,000 | 21.1% |
| CMG MORTGAGE, INC. | 54 | 6.495% | $485,000 | 3.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 53 | 6.500% | $455,000 | 10.0% |
| Bank of Utah | 52 | 6.500% | $405,000 | 3.6% |
| LAKEVIEW LOAN SERVICING, LLC | 51 | 6.125% | $415,000 | 52.4% |
| DIRECT RATE HOME LOANS, INC | 48 | 6.375% | $475,000 | 8.6% |
| LOWER, LLC | 47 | 6.490% | $405,000 | 11.3% |
| Mortgage Research Center, LLC | 46 | 5.990% | $455,000 | 32.4% |
| Navy Federal Credit Union | 45 | 7.750% | $165,000 | 40.0% |
| Sierra Pacific Mortgage Company, Inc. | 44 | 6.500% | $485,000 | 6.3% |
| PLAZA HOME MORTGAGE, INC. | 42 | 6.063% | $405,000 | 28.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 42 | 6.125% | $370,000 | 13.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 40 | 8.040% | $175,000 | 25.9% |
| GUARANTEED RATE AFFINITY, LLC | 37 | 6.575% | $375,000 | 15.9% |
| JMAC LENDING, INC. | 37 | 6.500% | $465,000 | 5.1% |
| PNC Bank, National Association | 35 | 6.750% | $105,000 | 39.0% |
| Bank of America, National Association | 33 | 5.990% | $235,000 | 58.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 32 | 6.625% | $400,000 | 3.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 31 | 6.375% | $455,000 | 6.1% |
| GARDNER FINANCIAL SERVICES, LTD. | 31 | 6.625% | $405,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 30 | 5.990% | $455,000 | 3.1% |
| ALAMEDA MORTGAGE CORPORATION | 29 | 7.250% | $415,000 | 3.3% |
| Citadel Servicing Corporation | 29 | 6.875% | $405,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 28 | 6.120% | $440,000 | 8.3% |
| AmeriSave Mortgage Corporation | 27 | 8.500% | $125,000 | 64.4% |
| CHARTWAY FEDERAL CREDIT UNION | 26 | 5.625% | $365,000 | 38.6% |
| LONGBRIDGE FINANCIAL, LLC | 26 | 6.188% | $280,000 | 16.7% |
| Cornerstone First Mortgage, Inc | 26 | 6.750% | $455,000 | 3.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 26 | 6.433% | $445,000 | 3.6% |
| RESICENTRAL, LLC | 25 | 6.250% | $415,000 | 0.0% |
| OCMBC, INC. | 25 | 6.875% | $455,000 | 9.7% |
| GoodLeap, LLC | 24 | 7.550% | $100,000 | 23.1% |
| SUN AMERICAN MORTGAGE COMPANY | 24 | 6.370% | $360,000 | 0.0% |
| PHH Mortgage Corporation | 23 | 5.875% | $395,000 | 17.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 23 | 5.750% | $485,000 | 15.4% |
| GRANITE FEDERAL CREDIT UNION | 23 | 5.990% | $175,000 | 20.0% |
| LENDSURE MORTGAGE CORP. | 22 | 7.375% | $560,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.125% | $305,000 | 51.8% |
| Wells Fargo Bank, National Association | 21 | 6.000% | $455,000 | 38.2% |
| MORTGAGEONE, INC. | 21 | 6.375% | $465,000 | 4.6% |
| Discover Bank | 20 | 8.470% | $80,000 | 75.6% |
| TRIAD FINANCIAL SERVICES, INC. | 20 | 8.815% | $105,000 | 23.4% |
| NEXERA HOLDING LLC | 20 | 7.250% | $555,000 | 13.0% |
| KeyBank National Association | 20 | 6.500% | $365,000 | 30.0% |
| DEEPHAVEN MORTGAGE LLC | 18 | 7.438% | $335,000 | 32.1% |
| FINANCE OF AMERICA REVERSE LLC | 18 | 6.125% | $270,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.625% | $455,000 | 56.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 17 | 6.125% | $455,000 | 15.4% |
| TOLL BROTHERS MORTGAGE COMPANY | 16 | 6.433% | $800,000 | 8.1% |
| CHAMPIONS FUNDING, LLC | 16 | 8.125% | $425,000 | 20.0% |
| Utah Mortgage Loan Corporation | 16 | 6.125% | $530,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 15 | 6.125% | $265,000 | 63.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 14 | 6.500% | $635,000 | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 14 | 10.255% | $120,000 | 22.2% |
| Equity Prime Mortgage LLC | 13 | 6.250% | $465,000 | 18.8% |
| ENCOMPASS LENDING GROUP, LP | 13 | 6.375% | $425,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.625% | $435,000 | 7.1% |
| DIRECT MORTGAGE, CORP. | 13 | 6.125% | $455,000 | 7.1% |
| Utah Power Federally Insured State-Chartered Credit Union | 13 | 7.000% | $105,000 | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 13 | 5.875% | $225,000 | 0.0% |
| CONVENTUS LLC | 13 | 9.000% | $365,000 | 0.0% |
| NBKC BANK | 12 | 6.063% | $415,000 | 14.3% |
| Hometown Equity Mortgage, LLC | 12 | 7.125% | $510,000 | 33.3% |
| A&D Mortgage LLC | 12 | 5.990% | $435,000 | 7.7% |
| 21st Mortgage Corporation | 11 | 10.690% | $95,000 | 81.7% |
| BMO Bank National Association | 11 | 6.625% | $955,000 | 38.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.500% | $425,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 7.625% | $275,000 | 50.0% |
| NexBank | 10 | 6.688% | $345,000 | 23.1% |
| Filo Mortgage, L.L.C. | 10 | 6.188% | $440,000 | 0.0% |
| BAY EQUITY LLC | 10 | 6.625% | $420,000 | 0.0% |
| T2 FINANCIAL LLC | 10 | 6.375% | $580,000 | 8.3% |
| BELEM SERVICING LLC | 10 | 6.625% | $540,000 | 0.0% |
| PRIORITY HOME MORTGAGE, L.P. | 10 | 4.990% | $530,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 23.8% |
| American United Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 50.0% |
| CASTLE & COOKE MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Gateway First Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 15.4% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 8 | Under 10 loans | Under 10 loans | 46.7% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 46.7% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Ameris Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 23.1% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| SCENIC OAKS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| The Huntington National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CORNERSTONE CAPITAL BANK, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 62.5% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| AMERITRUST MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| OAKTREE FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GEORGIA'S OWN | 6 | Under 10 loans | Under 10 loans | 14.3% |
| University Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 12.5% |
| JMJ FINANCIAL GROUP | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FRANKLIN LOAN CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PULTE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Jordan Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cache Valley Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Southern Utah | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 90.3% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Nebo Credit Union | 3 | Under 10 loans | Under 10 loans | 70.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Banterra Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | 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 181 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Utah County
91 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Zions Bancorporation, N.A. | 13 | $3.1 billion |
| Central Bank | 12 | $1.8 billion |
| Glacier Bank | 11 | $1.3 billion |
| Wells Fargo Bank, National Association | 10 | $1.6 billion |
| JPMorgan Chase Bank, National Association | 9 | $1.6 billion |
| Bank of America, National Association | 8 | $440.1 million |
| Quill Bank | 6 | $1.2 billion |
| U.S. Bank National Association | 6 | $210.9 million |
| NBH Bank | 5 | $279.9 million |
| Bank of Utah | 3 | $284.9 million |
| KeyBank National Association | 3 | $81.7 million |
| Happen Bank, National Association | 1 | $10.9 billion |
| Green Dot Bank DBA Bonneville Bank | 1 | $5.0 billion |
| First Utah Bank | 1 | $28.7 million |
| D. L. Evans Bank | 1 | $10.0 million |
| Cache Valley Bank | 1 | $3.1 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.