Top mortgage lenders in Utah
These are the most active mortgage lenders in Utah by 2025 federal HMDA volume — the banks, credit unions and nonbank lenders that wrote the most home loans in the state. Volume isn't the same as the best deal for you, so use it as a shortlist, then compare quotes.
| # | Lender | Type | 2025 loans |
|---|---|---|---|
| 1 | America First Federal Credit Union | — | 16,303 |
| 2 | Mountain America Federal Credit Union | — | 15,402 |
| 3 | United Wholesale Mortgage | Nonbank lender | 11,354 |
| 4 | Rocket Mortgage | Nonbank lender | 6,656 |
| 5 | PennyMac | Nonbank lender | 6,527 |
| 6 | Guild Mortgage | Nonbank lender | 5,477 |
| 7 | Intercap Lending Inc. | — | 4,881 |
| 8 | Goldenwest | — | 4,794 |
| 9 | Chase | Bank | 3,668 |
| 10 | First Colony Mortgage Corporation | — | 3,531 |
| 11 | Newrez | Nonbank lender | 3,469 |
| 12 | Kind Lending, LLC | — | 3,227 |
| 13 | Zions Bancorporation, N.A. | — | 3,021 |
| 14 | Freedom Mortgage | Nonbank lender | 2,774 |
| 15 | Utah Community Federal Credit Union | — | 2,575 |
| 16 | Mr. Cooper | Nonbank lender | 2,572 |
| 17 | The Loan Store, Inc. | — | 2,524 |
| 18 | Securitynational Mortgage Company | — | 2,466 |
| 19 | Phh Mortgage Corporation | — | 2,301 |
| 20 | Cyprus Federal Credit Union | — | 1,807 |
| 21 | University First Federal Credit Union | — | 1,710 |
| 22 | U.S. Bank | Bank | 1,654 |
| 23 | Utah First | — | 1,595 |
| 24 | Lakeview Loan Servicing | Nonbank lender | 1,594 |
| 25 | Amerihome Mortgage Company, LLC | — | 1,589 |
Ranked by Utah home-loan applications reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA), FFIEC/CFPB. A neutral measure of lending activity — not a quality score. Names we review link to a full lender review.
How to choose a lender in Utah
The lender that writes the most loans isn't automatically the one that will quote you the lowest rate. Your rate depends on your credit, down payment and loan type — not a lender's market share. The reliable way to find the best deal is to get a Loan Estimate from three or more of these lenders in the same two-week window (it counts as a single credit inquiry) and compare the APRs.
Weigh national lenders and online brokers, which often lead on price, against Utah banks and credit unions, which may offer relationship pricing and access to Utah Housing programs. Start with the local benchmark and assistance below.
Utah lender FAQ
Who is the biggest mortgage lender in Utah?
By 2025 federal HMDA activity, America First Federal Credit Union handled the most home loans in Utah (about 16,303 applications reported). The biggest lender isn't automatically the cheapest for you, though — rankings reflect volume, not the rate you'd be quoted.
How many mortgage lenders operate in Utah?
Hundreds of banks, credit unions and nonbank lenders report Utah home loans each year under HMDA. The table above shows the most active by volume; you can also shop national lenders and local credit unions not listed here.
How were these Utah lender rankings determined?
We ranked lenders by the number of Utah home-loan applications each reported in 2025 under the federal Home Mortgage Disclosure Act (HMDA) — a neutral public measure of lending activity in the state. It is not a quality score or an endorsement.
Should I use a local or national lender in Utah?
Both can be competitive. National lenders and online brokers often lead on price and speed; local banks and credit unions may offer relationship pricing, Utah Housing down-payment programs and in-person service.
Get a Loan Estimate from at least one of each and compare the APR.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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