Home purchase lenders in Salt Lake County
12,113 home purchase mortgages were made in Salt Lake County, Utah, in 2025, by 334 lenders. The median rate their borrowers got was 6.500% on a median loan of $445,000. Of 14,083 decisions, 1,455 were denials — 10.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,870 | 6.490% | $455,000 | 6.4% |
| INTERCAP LENDING INC. | 971 | 6.625% | $445,000 | 0.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | 651 | 6.750% | $415,000 | 5.0% |
| FIRST COLONY MORTGAGE CORPORATION | 602 | 6.250% | $435,000 | 3.3% |
| KIND LENDING, LLC | 539 | 6.375% | $475,000 | 21.2% |
| Rocket Mortgage, LLC | 506 | 6.375% | $485,000 | 11.1% |
| GUILD MORTGAGE COMPANY | 454 | 6.500% | $425,000 | 1.4% |
| THE LOAN STORE, INC. | 382 | 6.490% | $455,000 | 4.2% |
| Mountain America Federal Credit Union | 337 | 6.490% | $405,000 | 28.1% |
| Fairway Independent Mortgage Corporation | 332 | 6.625% | $485,000 | 1.2% |
| MY MOVE MORTGAGE, LLC | 303 | 6.125% | $495,000 | 0.7% |
| Plains Commerce Bank | 240 | 6.500% | $425,000 | 5.1% |
| RANLIFE, INC. | 204 | 6.490% | $415,000 | 0.5% |
| Zions Bancorporation, N.A. | 192 | 6.125% | $455,000 | 12.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 188 | 6.625% | $465,000 | 3.1% |
| AMERICA FIRST Federal Credit Union | 184 | 6.875% | $245,000 | 22.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 163 | 6.375% | $505,000 | 4.0% |
| PENNYMAC LOAN SERVICES, LLC | 116 | 6.313% | $505,000 | 19.7% |
| DIRECT RATE HOME LOANS, INC | 104 | 6.455% | $485,000 | 3.6% |
| DHI MORTGAGE COMPANY, LTD. | 96 | 5.875% | $435,000 | 17.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 95 | 6.750% | $435,000 | 5.9% |
| CANOPY MORTGAGE, LLC | 94 | 6.500% | $445,000 | 1.0% |
| Paramount Residential Mortgage Group, Inc. | 90 | 6.500% | $435,000 | 8.2% |
| Broker Solutions, Inc. | 87 | 6.625% | $475,000 | 2.3% |
| JPMorgan Chase Bank, National Association | 82 | 6.250% | $560,000 | 13.5% |
| CYPRUS Federal Credit Union | 79 | 6.490% | $415,000 | 13.2% |
| GUARANTEED RATE, INC. | 78 | 6.475% | $445,000 | 1.3% |
| SECURITY HOME MORTGAGE, LLC. | 78 | 6.500% | $460,000 | 1.2% |
| CLM MORTGAGE, INC. | 76 | 5.625% | $475,000 | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 74 | 6.625% | $425,000 | 12.9% |
| University First Federal Credit Union | 74 | 6.125% | $320,000 | 8.1% |
| U.S. Bank National Association | 72 | 6.375% | $515,000 | 12.2% |
| VERITAS FUNDING, LLC | 72 | 6.438% | $445,000 | 2.6% |
| AMWEST FUNDING CORP. | 70 | 6.375% | $455,000 | 6.7% |
| Mortgage Research Center, LLC | 66 | 6.125% | $455,000 | 9.6% |
| 21st Mortgage Corporation | 65 | 10.240% | $95,000 | 76.8% |
| GARDNER FINANCIAL SERVICES, LTD. | 64 | 6.625% | $470,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 63 | 7.250% | $395,000 | 3.1% |
| BETTER MORTGAGE CORPORATION | 63 | 6.875% | $485,000 | 20.3% |
| CHARTWAY FEDERAL CREDIT UNION | 62 | 6.000% | $435,000 | 3.0% |
| CMG MORTGAGE, INC. | 56 | 6.625% | $465,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 51 | 6.500% | $395,000 | 5.6% |
| Loandepot.Com, LLC | 50 | 6.575% | $445,000 | 12.3% |
| Northpointe Bank | 49 | 6.500% | $645,000 | 3.9% |
| TRIAD FINANCIAL SERVICES, INC. | 46 | 8.760% | $85,000 | 29.6% |
| LENNAR MORTGAGE, LLC | 45 | 4.990% | $445,000 | 16.4% |
| DIRECT MORTGAGE, CORP. | 45 | 6.500% | $465,000 | 13.5% |
| NEWREZ LLC | 44 | 6.688% | $575,000 | 8.3% |
| CONVENTUS LLC | 44 | 8.990% | $635,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 42 | 6.625% | $435,000 | 16.0% |
| Wells Fargo Bank, National Association | 39 | 6.250% | $425,000 | 13.3% |
| ALLIANT CREDIT UNION | 37 | 7.500% | $305,000 | 5.1% |
| Bank of Utah | 34 | 6.125% | $385,000 | 5.6% |
| RESICENTRAL, LLC | 33 | 6.375% | $495,000 | 7.7% |
| Bank of America, National Association | 32 | 5.933% | $680,000 | 29.8% |
| HOMEAMERICAN MORTGAGE CORPORATION | 32 | 4.750% | $660,000 | 7.1% |
| JMAC LENDING, INC. | 31 | 6.490% | $525,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 31 | 6.500% | $465,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 31 | 6.375% | $405,000 | 6.1% |
| VAN DYK MORTGAGE CORPORATION | 29 | 6.250% | $425,000 | 0.0% |
| GRANITE FEDERAL CREDIT UNION | 28 | 6.245% | $370,000 | 17.5% |
| NEST HOME LENDING, LLC | 27 | 6.125% | $355,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 25 | 7.500% | $625,000 | 0.0% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 24 | 6.625% | $525,000 | 18.8% |
| GOLDENWEST | 24 | 6.375% | $435,000 | 5.9% |
| BMO Bank National Association | 24 | 6.500% | $785,000 | 14.3% |
| Glacier Bank | 24 | 6.616% | $615,000 | 20.0% |
| NEXERA HOLDING LLC | 23 | 6.875% | $555,000 | 7.7% |
| Sierra Pacific Mortgage Company, Inc. | 23 | 6.500% | $525,000 | 4.2% |
| FREEDOM MORTGAGE CORPORATION | 22 | 5.500% | $430,000 | 18.5% |
| Cornerstone First Mortgage, Inc | 22 | 6.495% | $385,000 | 0.0% |
| Utah Mortgage Loan Corporation | 22 | 6.750% | $410,000 | 0.0% |
| MORTGAGEONE, INC. | 21 | 6.875% | $505,000 | 8.7% |
| PLAZA HOME MORTGAGE, INC. | 21 | 6.500% | $435,000 | 30.0% |
| Navy Federal Credit Union | 20 | 6.125% | $495,000 | 12.5% |
| OCMBC, INC. | 20 | 6.688% | $480,000 | 11.5% |
| Deseret First Credit Union | 20 | 6.495% | $455,000 | 4.8% |
| UNION HOME MORTGAGE CORP. | 19 | 5.750% | $495,000 | 0.0% |
| T2 FINANCIAL LLC | 19 | 6.125% | $485,000 | 5.0% |
| The Huntington National Bank | 19 | 7.125% | $975,000 | 0.0% |
| KeyBank National Association | 18 | 6.188% | $525,000 | 28.0% |
| Morgan Stanley Private Bank, National Association | 18 | 6.050% | $660,000 | 0.0% |
| USAA Federal Savings Bank | 17 | 6.250% | $525,000 | 32.0% |
| UTAH FIRST | 17 | 7.500% | $215,000 | 23.1% |
| BAY EQUITY LLC | 17 | 6.875% | $385,000 | 0.0% |
| NETWORK FUNDING, L.P. | 16 | 6.933% | $415,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 6.375% | $485,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 7.250% | $465,000 | 34.8% |
| Citadel Servicing Corporation | 15 | 6.875% | $585,000 | 5.0% |
| ENVOY MORTGAGE, LTD | 15 | 6.125% | $405,000 | 0.0% |
| Charles Schwab Bank, SSB | 15 | 5.250% | $875,000 | 6.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 14 | 5.688% | $465,000 | 21.1% |
| NBKC BANK | 14 | 6.375% | $525,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.125% | $445,000 | 6.7% |
| LOWER, LLC | 14 | 6.625% | $465,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 6.120% | $495,000 | 10.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 12 | 10.870% | $65,000 | 83.8% |
| SUN AMERICAN MORTGAGE COMPANY | 12 | 6.563% | $455,000 | 0.0% |
| Citibank, National Association | 12 | 5.938% | $995,000 | 0.0% |
| PRIORITY HOME MORTGAGE, L.P. | 12 | 4.990% | $520,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 11 | 6.375% | $765,000 | 25.0% |
| First Federal Bank | 11 | 6.125% | $485,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 11 | 6.000% | $465,000 | 8.3% |
| NexBank | 11 | 6.875% | $555,000 | 15.4% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.625% | $465,000 | 15.4% |
| SCENIC OAKS FUNDING, LLC | 11 | 6.490% | $555,000 | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 11 | 5.875% | $365,000 | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 10 | 6.990% | $505,000 | 9.1% |
| Commerce Home Mortgage, Inc. | 10 | 7.125% | $505,000 | 16.7% |
| DEEPHAVEN MORTGAGE LLC | 10 | 7.000% | $510,000 | 23.1% |
| CHAMPIONS FUNDING, LLC | 10 | 8.250% | $420,000 | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Barrington Bank & Trust Company, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CENTRAL BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 8 | Under 10 loans | Under 10 loans | 11.1% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Jordan Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 41.7% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Banterra Bank | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Devon Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CONTOUR MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SWBC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First National Bank of America | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| 2549005FUF02T1IFCA22 | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cache Valley Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| BELEM SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| D. L. EVANS BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| 254900J2RKTTDJSUWD76 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valley West Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Southern Utah | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 62.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | 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 134 lenders each made 2 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.