Refinancing lenders in Utah County
3,802 refinancing mortgages were made in Utah County, Utah, in 2025, by 213 lenders. The median rate their borrowers got was 6.490% on a median loan of $335,000. Of 5,186 decisions, 1,109 were denials — 21.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 616 | 7.240% | $125,000 | 18.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 517 | 5.999% | $475,000 | 13.3% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 507 | 6.990% | $155,000 | 14.0% |
| Mountain America Federal Credit Union | 446 | 7.865% | $145,000 | 43.4% |
| Rocket Mortgage, LLC | 174 | 5.990% | $470,000 | 17.9% |
| INTERCAP LENDING INC. | 97 | 6.375% | $475,000 | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | 86 | 5.933% | $495,000 | 6.3% |
| Zions Bancorporation, N.A. | 86 | 6.240% | $305,000 | 22.6% |
| FIRST COLONY MORTGAGE CORPORATION | 85 | 6.125% | $465,000 | 4.4% |
| FREEDOM MORTGAGE CORPORATION | 72 | 6.000% | $450,000 | 7.0% |
| KIND LENDING, LLC | 61 | 6.125% | $465,000 | 25.9% |
| GUILD MORTGAGE COMPANY | 43 | 6.125% | $485,000 | 4.4% |
| THE LOAN STORE, INC. | 40 | 6.563% | $380,000 | 6.4% |
| LAKEVIEW LOAN SERVICING, LLC | 38 | 5.750% | $455,000 | 47.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 35 | 6.125% | $415,000 | 10.3% |
| CANOPY MORTGAGE, LLC | 32 | 6.058% | $475,000 | 3.0% |
| NATIONSTAR MORTGAGE LLC | 31 | 5.990% | $465,000 | 16.2% |
| NEWREZ LLC | 30 | 6.183% | $520,000 | 25.0% |
| UTAH FIRST | 26 | 7.500% | $155,000 | 34.9% |
| SECURITY HOME MORTGAGE, LLC. | 26 | 6.188% | $455,000 | 10.0% |
| GOLDENWEST | 24 | 7.250% | $275,000 | 15.8% |
| CENTRAL BANK | 23 | Not published | $455,000 | 8.0% |
| RANLIFE, INC. | 22 | 5.933% | $455,000 | 4.4% |
| PLANET HOME LENDING, LLC | 22 | 5.933% | $475,000 | 8.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 20 | 5.750% | $495,000 | 12.5% |
| Loandepot.Com, LLC | 20 | 5.813% | $480,000 | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 20 | 8.990% | $290,000 | 15.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 5.938% | $335,000 | 9.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | 6.413% | $470,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 17 | 6.125% | $525,000 | 5.6% |
| Glacier Bank | 17 | 7.400% | $405,000 | 22.7% |
| University First Federal Credit Union | 17 | 4.990% | $165,000 | 22.7% |
| SECURITYNATIONAL MORTGAGE COMPANY | 15 | 6.625% | $595,000 | 16.7% |
| PHH Mortgage Corporation | 15 | 5.625% | $425,000 | 21.1% |
| U.S. Bank National Association | 15 | 6.875% | $465,000 | 5.9% |
| JPMorgan Chase Bank, National Association | 14 | 6.125% | $540,000 | 6.7% |
| MY MOVE MORTGAGE, LLC | 14 | 5.990% | $400,000 | 0.0% |
| LOWER, LLC | 14 | 6.370% | $465,000 | 12.5% |
| Deseret First Credit Union | 12 | 6.500% | $295,000 | 7.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.870% | $515,000 | 5.9% |
| AMWEST FUNDING CORP. | 10 | 5.750% | $495,000 | 23.1% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.125% | $360,000 | 0.0% |
| PNC Bank, National Association | 10 | 5.990% | $115,000 | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.500% | $430,000 | 0.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 52.6% |
| ALLIANT CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 35.7% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 59.1% |
| CHARTWAY FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 55.6% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 75.9% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 56.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 27.3% |
| MORTGAGEONE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Bank of Utah | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| University Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Mortgage Loan Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 44.4% |
| CYPRUS Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VERITAS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GRANITE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nebo Credit Union | 3 | Under 10 loans | Under 10 loans | 62.5% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 88.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT RATE HOME LOANS, INC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SOUTH RIVER MORTGAGE, 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% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valley West Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 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% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SCENIC OAKS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900QGEOVPON4RPMO4 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adams Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Jordan Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American United Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Southern Utah | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CASTLE & COOKE MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NBH Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ENCOMPASS LENDING GROUP, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900J2RKTTDJSUWD76 | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| WESTMARK Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHROP GRUMMAN Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| ADVANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Home Loan Investment Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MICHIGAN MUTUAL, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 13 lenders each made 0 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.