Refinancing lenders in Millard County
79 refinancing mortgages were made in Millard County, Utah, in 2025, by 38 lenders. The median rate their borrowers got was 6.990% on a median loan of $205,000. Of 100 decisions, 15 were denials — 15.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| State Bank of Southern Utah | 21 | 7.500% | $165,000 | 4.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 6.438% | $340,000 | 6.7% |
| Zions Bancorporation, N.A. | 11 | 7.750% | $105,000 | 23.5% |
| Mountain America Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Rocket Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA FIRST Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Mortgage Loan Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cache Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UTAH FIRST | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIRECT RATE HOME LOANS, INC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KeyBank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PENNYMAC LOAN SERVICES, LLC | 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.
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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.