Mortgage lenders in Washington County
7,264 mortgages were made in Washington County, Utah, in 2025, by 305 lenders. The median rate their borrowers got was 6.625% on a median loan of $335,000. Of 9,405 decisions, 1,684 were denials — 17.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 695 | 6.490% | $375,000 | 2.7% |
| Mountain America Federal Credit Union | 601 | 7.250% | $125,000 | 44.1% |
| AMERICA FIRST Federal Credit Union | 485 | 6.990% | $105,000 | 23.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 461 | 6.414% | $415,000 | 10.4% |
| Rocket Mortgage, LLC | 261 | 6.625% | $305,000 | 19.5% |
| THE LOAN STORE, INC. | 260 | 6.490% | $375,000 | 4.1% |
| SUN AMERICAN MORTGAGE COMPANY | 251 | 6.490% | $375,000 | 2.3% |
| INTERCAP LENDING INC. | 248 | 6.500% | $375,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 244 | 5.625% | $385,000 | 8.9% |
| BELEM SERVICING LLC | 239 | 6.625% | $435,000 | 0.8% |
| FIRST COLONY MORTGAGE CORPORATION | 239 | 6.625% | $395,000 | 1.2% |
| GOLDENWEST | 214 | 7.500% | $205,000 | 21.6% |
| Zions Bancorporation, N.A. | 190 | 6.500% | $325,000 | 20.6% |
| CHARTWAY FEDERAL CREDIT UNION | 144 | 2.990% | $125,000 | 32.4% |
| KIND LENDING, LLC | 139 | 6.625% | $425,000 | 21.3% |
| State Bank of Southern Utah | 105 | 7.500% | $205,000 | 15.0% |
| PENNYMAC LOAN SERVICES, LLC | 101 | 6.375% | $395,000 | 19.5% |
| SECURITYNATIONAL MORTGAGE COMPANY | 99 | 6.625% | $385,000 | 10.8% |
| MY MOVE MORTGAGE, LLC | 93 | 6.250% | $375,000 | 1.1% |
| UTAH FIRST | 87 | 7.500% | $125,000 | 23.8% |
| NEWREZ LLC | 74 | 6.875% | $440,000 | 23.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 68 | 6.625% | $425,000 | 8.0% |
| NATIONSTAR MORTGAGE LLC | 57 | 8.000% | $125,000 | 15.5% |
| CMG MORTGAGE, INC. | 50 | 7.249% | $435,000 | 3.5% |
| Bank of Utah | 48 | 6.875% | $305,000 | 5.8% |
| FREEDOM MORTGAGE CORPORATION | 47 | 6.000% | $435,000 | 17.7% |
| U.S. Bank National Association | 47 | 6.875% | $355,000 | 35.1% |
| Deseret First Credit Union | 47 | 7.500% | $175,000 | 11.3% |
| Loandepot.Com, LLC | 45 | 7.500% | $155,000 | 17.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 43 | 6.750% | $355,000 | 2.2% |
| JPMorgan Chase Bank, National Association | 42 | 6.563% | $460,000 | 8.5% |
| Cache Valley Bank | 42 | 6.875% | $375,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 41 | 6.625% | $375,000 | 6.0% |
| University First Federal Credit Union | 39 | 4.990% | $155,000 | 25.9% |
| Mortgage Research Center, LLC | 36 | 6.125% | $465,000 | 21.7% |
| ARC HOME LLC | 36 | 7.813% | $475,000 | 9.8% |
| LENDSURE MORTGAGE CORP. | 36 | 7.438% | $435,000 | 2.7% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 34 | 6.990% | $140,000 | 25.5% |
| Plains Commerce Bank | 31 | 6.875% | $285,000 | 0.0% |
| Glacier Bank | 30 | 6.750% | $445,000 | 29.8% |
| CYPRUS Federal Credit Union | 30 | 5.620% | $160,000 | 18.9% |
| CANOPY MORTGAGE, LLC | 29 | 6.500% | $355,000 | 6.3% |
| Fairway Independent Mortgage Corporation | 29 | 6.490% | $405,000 | 0.0% |
| SECURITY HOME MORTGAGE, LLC. | 26 | 6.688% | $435,000 | 3.7% |
| Navy Federal Credit Union | 25 | 6.750% | $305,000 | 28.6% |
| LONGBRIDGE FINANCIAL, LLC | 25 | 5.875% | $215,000 | 3.3% |
| SPRING EQ, LLC | 24 | 9.588% | $105,000 | 58.7% |
| Citadel Servicing Corporation | 23 | 7.000% | $485,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 6.125% | $465,000 | 11.5% |
| MORTGAGEONE, INC. | 21 | 6.625% | $345,000 | 0.0% |
| Coastal Community Bank | 20 | 9.990% | $55,000 | 1.6% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 20 | 6.933% | $355,000 | 8.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 19 | 6.375% | $415,000 | 5.0% |
| VERITAS FUNDING, LLC | 19 | 6.375% | $415,000 | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 19 | 4.500% | $505,000 | 8.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.000% | $265,000 | 5.3% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.375% | $235,000 | 45.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.750% | $505,000 | 7.4% |
| Wells Fargo Bank, National Association | 17 | 6.500% | $375,000 | 20.8% |
| RANLIFE, INC. | 17 | 6.750% | $385,000 | 0.0% |
| PLANET HOME LENDING, LLC | 16 | 6.625% | $395,000 | 11.1% |
| Broker Solutions, Inc. | 15 | 7.500% | $295,000 | 21.1% |
| GUARANTEED RATE, INC. | 15 | 6.575% | $465,000 | 5.9% |
| RESICENTRAL, LLC | 15 | 6.990% | $345,000 | 6.3% |
| FINANCE OF AMERICA REVERSE LLC | 15 | 8.740% | $285,000 | 11.8% |
| AmeriSave Mortgage Corporation | 14 | 8.750% | $55,000 | 63.2% |
| Bank of America, National Association | 14 | 5.933% | $200,000 | 26.3% |
| ALLIANT CREDIT UNION | 14 | 8.000% | $175,000 | 21.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 14 | 7.058% | $435,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 13 | 6.875% | $295,000 | 38.1% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.250% | $615,000 | 45.8% |
| AMWEST FUNDING CORP. | 13 | 6.500% | $475,000 | 13.3% |
| FIGURE LENDING LLC | 12 | 8.675% | $95,000 | 37.0% |
| PHH Mortgage Corporation | 12 | 6.063% | $280,000 | 14.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.665% | $85,000 | 26.7% |
| CLEAREDGE LENDING LLC | 11 | 7.500% | $495,000 | 42.1% |
| QUORUM FEDERAL CREDIT UNION | 11 | 8.125% | $155,000 | 47.8% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.500% | $385,000 | 15.4% |
| PLAZA HOME MORTGAGE, INC. | 11 | 5.750% | $245,000 | 14.3% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 11 | 6.250% | $435,000 | 0.0% |
| Luminate Bank | 10 | 6.063% | $265,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 52.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| DIRECT RATE HOME LOANS, INC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 10.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GARDNER FINANCIAL SERVICES, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Utah Power Federally Insured State-Chartered Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Banterra Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 73.7% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| LENNAR MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 37.5% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVO HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| GRANITE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| IDAHO CENTRAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 16.7% |
| BEEHIVE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 71.4% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Firefighters First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Jordan Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American United Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 93.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 105 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Washington County
32 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Zions Bancorporation, N.A. | 8 | $1.2 billion |
| State Bank of Southern Utah | 5 | $743.7 million |
| Wells Fargo Bank, National Association | 5 | $559.5 million |
| Cache Valley Bank | 4 | $724.0 million |
| JPMorgan Chase Bank, National Association | 3 | $326.3 million |
| U.S. Bank National Association | 2 | $193.4 million |
| Glacier Bank | 2 | $128.3 million |
| Quill Bank | 1 | $43.0 million |
| Bank of Utah | 1 | $33.0 million |
| NBH Bank | 1 | $18.3 million |
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When the next year’s lending figures are out for Washington County, or a lender arrives or leaves.
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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.