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.

Last updated on January 29, 2021

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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.

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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.

NerdWallet's mortgage content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in home lending. Their work has appeared in The Associated Press, USA Today, The Washington Post, MarketWatch, Newsweek and many other national, regional and local publications. They have been cited in publications including The Wall Street Journal, and appeared on NerdWallet's "Smart Money" podcast as well as local TV and radio.

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.

NerdWallet's mortgage content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in home lending. Their work has appeared in The Associated Press, USA Today, The Washington Post, MarketWatch, Newsweek and many other national, regional and local publications. They have been cited in publications including The Wall Street Journal, and appeared on NerdWallet's "Smart Money" podcast as well as local TV and radio.

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	4.5 /5 Home loans overall Best for online experience	620	3%	Compare More Lenders on NerdWallet
New American Funding: NMLS#6606 Learn more at New American Funding at New American Funding	4.5 /5 FHA loans Best for lower credit score borrowers	500	3.5%	Learn more at New American Funding at New American Funding
Rate: NMLS#2611 Learn more at Rate at Rate	5.0 /5 Home loans overall Best for first-time home buyers	620	3%	Learn more at Rate at Rate
Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC at Rocket Mortgage, LLC	4.5 /5 Home loans overall Best for online experience	620	1%	Learn more at Rocket Mortgage, LLC at Rocket Mortgage, LLC
Bank of America: NMLS#399802 Compare More Lenders on NerdWallet	4.5 /5 Home loans overall Best for low down payments	660	5%	Compare More Lenders on NerdWallet
Chase: NMLS#399798 Compare More Lenders on NerdWallet	4.5 /5 HELOCs Best for home equity lines of credit	620	3%	Compare More Lenders on NerdWallet
Guild Mortgage: NMLS#3274 Compare More Lenders on NerdWallet	4.0 /5 Home loans overall Best for first-time home buyers	N/A	3%	Compare More Lenders on NerdWallet
Citibank: NMLS#412915 Compare More Lenders on NerdWallet	4.5 /5 FHA loans Best for lower credit score borrowers	N/A	3.5%	Compare More Lenders on NerdWallet
Flagstar: NMLS#417490 Compare More Lenders on NerdWallet	5.0 /5 Home loans overall Best for low down payments	N/A	5%	Compare More Lenders on NerdWallet
Flagstar: NMLS#417490 Compare More Lenders on NerdWallet	3.5 /5 HELOCs Best for home equity lines of credit	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.

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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.

To recap our selections...

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