10 Best Utah Mortgage Lenders of 2021
Looking to buy a home in Utah or get a home equity line of credit? You have many mortgage lenders to choose from. We will help you find the best Utah mortgage lender, based on your needs and circumstances.
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners and here's how we make money.
The Beehive State is full of busy people. If you’re buying or refinancing a home in Utah, it’s hard to find time to research the various lenders. We’ve done the homework, identifying some of the best lenders in Utah for borrowers’ different needs.
Here are the top lenders in Utah for first-time home buyers, borrowers with low credit scores or small down payments, folks who want to apply online and homeowners who want to borrow against their home equity.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
10 Best Utah Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
 Pennymac: NMLS#35953 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
500 | 3.5% | Learn more at New American Funding | ||
620 | 3% | Learn more at Rate | ||
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
 Bank of America: NMLS#399802 Compare More Lenders on NerdWallet | 660 | 5% | Compare More Lenders on NerdWallet | |
 Chase: NMLS#399798 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Guild Mortgage: NMLS#3274 Compare More Lenders on NerdWallet | N/A | 3% | Compare More Lenders on NerdWallet | |
 Citibank: NMLS#412915 Compare More Lenders on NerdWallet | N/A | 3.5% | Compare More Lenders on NerdWallet | |
 Flagstar: NMLS#417490 Compare More Lenders on NerdWallet | N/A | 5% | Compare More Lenders on NerdWallet | |
Flagstar: NMLS#417490 Compare More Lenders on NerdWallet | 700 | 3% | Compare More Lenders on NerdWallet |
Our pick for
online experience
Our pick for
lower credit score borrowers
You don’t have to have perfect credit to qualify for a mortgage with these lenders in Utah.
Our pick for
first-time home buyers
Our pick for
low down payments
Our pick for
home equity lines of credit
These lenders offer home equity lines of credit, which allow you to borrow against your home’s value.
More from NerdWallet
Last updated on January 29, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
NerdWallet's Best Utah Mortgage Lenders of 2021
- Pennymac: Best for online experience
- New American Funding: Best for lower credit score borrowers
- Rate: Best for first-time home buyers
- Rocket Mortgage, LLC: Best for online experience
- Bank of America: Best for low down payments
- Chase: Best for home equity lines of credit
- Guild Mortgage: Best for first-time home buyers
- Citibank: Best for lower credit score borrowers
- Flagstar: Best for low down payments
- Flagstar: Best for home equity lines of credit
