Top Mortgage Lenders in Utah (2025)
In 2025, 499 lenders made 95,941 home loans worth $36.4 billion in Utah, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 37.1% of them. America First Federal Credit Union made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Utah, 2025
Ranked by the number of home loans each lender made (originated) in Utah in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | America First Federal Credit Union Riverdale, UT | 11,759 | $1.6B | $140,000 | 12.3% | 19.1% |
| 2 | United Wholesale Mortgage Plymouth, MI | 8,957 | $4.2B | $468,000 | 9.3% | 9.5% |
| 3 | Mountain America Federal Credit Union Sandy, UT | 7,227 | $1.3B | $185,000 | 7.5% | 43.3% |
| 4 | Guild Mortgage Company San Diego, CA | 3,981 | $1.6B | $392,000 | 4.1% | 1.9% |
| 5 | Intercap Lending Inc Salt Lake City, UT | 3,672 | $1.5B | $412,000 | 3.8% | 0.9% |
| 6 | Goldenwest Federal Credit Union Ogden, UT | 3,013 | $646.0M | $214,000 | 3.1% | 17.5% |
| 7 | First Colony Mortgage Corporat Orem, UT | 2,983 | $1.3B | $434,000 | 3.1% | 2.3% |
| 8 | Kind Lending, LLC Irvine, CA | 2,249 | $1.0B | $456,000 | 2.3% | 22.3% |
| 9 | The Loan Store, Inc Tucson, AZ | 1,917 | $809.4M | $422,000 | 2.0% | 6.1% |
| 10 | Zions Bancorporation, N.A. Denver, CO | 1,755 | $970.9M | $553,000 | 1.8% | 23.1% |
| 11 | Securitynational Mortgage Company Salt Lake City, UT | 1,700 | $622.2M | $366,000 | 1.8% | 6.4% |
| 12 | Utah Community Credit Union Provo, UT | 1,549 | $365.6M | $236,000 | 1.6% | 18.1% |
| 13 | PennyMac Loan Services LLC Westlake Village, CA | 1,214 | $476.2M | $392,000 | 1.3% | 17.8% |
| 14 | DHI Mortgage Company, Ltd. Austin, TX | 1,170 | $472.2M | $404,000 | 1.2% | 10.2% |
| 15 | My Move Mortgage, LLC Sandy, UT | 1,140 | $554.0M | $486,000 | 1.2% | 0.8% |
| 16 | Cyprus Federal Credit Union West Jordan, UT | 1,104 | $216.7M | $196,000 | 1.2% | 30.2% |
| 17 | Utah First Credit Union Salt Lake City, UT | 994 | $176.1M | $177,000 | 1.0% | 29.9% |
| 18 | Canyon View Credit Union Salt Lake City, UT | 978 | $159.8M | $163,000 | 1.0% | 23.9% |
| 19 | Fairway Independent Mort Corp Madison, WI | 934 | $442.2M | $473,000 | 1.0% | 3.6% |
| 20 | Plains Commerce Bank Hoven, SD | 934 | $316.2M | $339,000 | 1.0% | 6.2% |
| 21 | Nationstar Mortgage Coppell, TX | 914 | $179.0M | $196,000 | 1.0% | 15.9% |
| 22 | loanDepot.com LLC Irvine, CA | 778 | $245.4M | $315,000 | 0.8% | 22.7% |
| 23 | Deseret First Credit Union West Valley City, UT | 775 | $150.7M | $194,000 | 0.8% | 13.4% |
| 24 | Crosscountry Mortgage, LLC Cleveland, OH | 745 | $381.0M | $511,000 | 0.8% | 4.1% |
| 25 | US Bank, N.A. Cincinnati, OH | 726 | $447.0M | $616,000 | 0.8% | 36.3% |
Top Home Purchase Lenders in Utah
425 lenders made 44,235 home purchase loans worth $21.5 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 5,518 | 12.5% |
| 2 | Guild Mortgage Company San Diego, CA | 3,169 | 7.2% |
| 3 | Intercap Lending Inc Salt Lake City, UT | 2,952 | 6.7% |
| 4 | First Colony Mortgage Corporat Orem, UT | 2,652 | 6.0% |
| 5 | Kind Lending, LLC Irvine, CA | 1,646 | 3.7% |
| 6 | Securitynational Mortgage Company Salt Lake City, UT | 1,556 | 3.5% |
| 7 | The Loan Store, Inc Tucson, AZ | 1,383 | 3.1% |
| 8 | Mountain America Federal Credit Union Sandy, UT | 1,178 | 2.7% |
| 9 | DHI Mortgage Company, Ltd. Austin, TX | 1,168 | 2.6% |
| 10 | My Move Mortgage, LLC Sandy, UT | 1,029 | 2.3% |
Top Refinance Lenders in Utah
312 lenders made 19,133 refinance loans worth $8.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | America First Federal Credit Union Riverdale, UT | 4,160 | 21.7% |
| 2 | Mountain America Federal Credit Union Sandy, UT | 2,437 | 12.7% |
| 3 | United Wholesale Mortgage Plymouth, MI | 2,308 | 12.1% |
| 4 | Utah Community Credit Union Provo, UT | 700 | 3.7% |
| 5 | Zions Bancorporation, N.A. Denver, CO | 599 | 3.1% |
| 6 | Intercap Lending Inc Salt Lake City, UT | 492 | 2.6% |
| 7 | Freedom Mortgage Corporation Boca Raton, FL | 462 | 2.4% |
| 8 | Guild Mortgage Company San Diego, CA | 363 | 1.9% |
| 9 | PennyMac Loan Services LLC Westlake Village, CA | 326 | 1.7% |
| 10 | Kind Lending, LLC Irvine, CA | 261 | 1.4% |
Top Cash-Out Refinance Lenders in Utah
264 lenders made 11,746 cash-out refinance loans worth $3.8 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,131 | 9.6% |
| 2 | Goldenwest Federal Credit Union Ogden, UT | 797 | 6.8% |
| 3 | Mountain America Federal Credit Union Sandy, UT | 540 | 4.6% |
| 4 | Guild Mortgage Company San Diego, CA | 437 | 3.7% |
| 5 | Cyprus Federal Credit Union West Jordan, UT | 363 | 3.1% |
| 6 | Newrez LLC Fort Washington, PA | 287 | 2.4% |
| 7 | Kind Lending, LLC Irvine, CA | 267 | 2.3% |
| 8 | PennyMac Loan Services LLC Westlake Village, CA | 262 | 2.2% |
| 9 | loanDepot.com LLC Irvine, CA | 234 | 2.0% |
| 10 | Intercap Lending Inc Salt Lake City, UT | 228 | 1.9% |
Top FHA Lenders in Utah
174 lenders made 12,641 FHA loans worth $5.4 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,527 | 12.1% |
| 2 | Guild Mortgage Company San Diego, CA | 969 | 7.7% |
| 3 | Intercap Lending Inc Salt Lake City, UT | 859 | 6.8% |
| 4 | First Colony Mortgage Corporat Orem, UT | 681 | 5.4% |
| 5 | Securitynational Mortgage Company Salt Lake City, UT | 606 | 4.8% |
| 6 | Kind Lending, LLC Irvine, CA | 516 | 4.1% |
| 7 | Plains Commerce Bank Hoven, SD | 359 | 2.8% |
| 8 | DHI Mortgage Company, Ltd. Austin, TX | 355 | 2.8% |
| 9 | Ranlife, Inc. Sandy, UT | 330 | 2.6% |
| 10 | Freedom Mortgage Corporation Boca Raton, FL | 278 | 2.2% |
Top VA Lenders in Utah
165 lenders made 4,941 VA loans worth $2.5 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 981 | 19.9% |
| 2 | Mortgage Research Center Columbia, MO | 434 | 8.8% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 284 | 5.7% |
| 4 | Guild Mortgage Company San Diego, CA | 231 | 4.7% |
| 5 | Kind Lending, LLC Irvine, CA | 198 | 4.0% |
| 6 | Intercap Lending Inc Salt Lake City, UT | 194 | 3.9% |
| 7 | PennyMac Loan Services LLC Westlake Village, CA | 144 | 2.9% |
| 8 | Newrez LLC Fort Washington, PA | 137 | 2.8% |
| 9 | First Colony Mortgage Corporat Orem, UT | 120 | 2.4% |
| 10 | Village Capital & Investment Henderson, NV | 102 | 2.1% |
Top USDA Lenders in Utah
44 lenders made 165 USDA loans worth $54.4 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 23 | 13.9% |
| 2 | Guild Mortgage Company San Diego, CA | 17 | 10.3% |
| 3 | Kind Lending, LLC Irvine, CA | 11 | 6.7% |
| 4 | Intercap Lending Inc Salt Lake City, UT | 10 | 6.1% |
| 5 | CMG Mortgage Inc San Ramon, IL | 9 | 5.5% |
| 6 | The Loan Store, Inc Tucson, AZ | 7 | 4.2% |
| 7 | First Colony Mortgage Corporat Orem, UT | 7 | 4.2% |
| 8 | Sierra Pacific Mortgage Co. Inc Folsom, CA | 6 | 3.6% |
| 9 | American Financial Network, Inc. Brea, CA | 6 | 3.6% |
| 10 | Bank of Utah Ogden, UT | 5 | 3.0% |
Get the lender lists
The Utah mortgage lender list has the 175 lenders based in Utah, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($69 for 2025, $138 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Utah lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Utah.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Utah. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Utah
Utah mortgage data by county and metro area · mortgage lenders by city in Utah
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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