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.
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.
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.
Best Utah Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | National / regional | Learn more |
---|---|---|---|---|---|
![]() Bank of America: NMLS#399802 | Best for low down payments | 660 | 5% | National | Read review |
![]() Chase: NMLS#399798 | Best for home equity lines of credit | 620 | N/A | National | Read review |
![]() Citibank: NMLS#412915 | Best for lower credit score borrowers | N/A | 3.5% | National | Read review |
![]() Flagstar: NMLS#417490 | Best for home equity lines of credit | 680 | N/A | National | Read review |
![]() Flagstar: NMLS#417490 | Best for low down payments | 620 | 3% | N/A | Read review |
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for first-time home buyers | 620 | 3% | N/A | Learn more at Guaranteed Rate |
![]() Guild Mortgage: NMLS#3274 | Best for first-time home buyers | 620 | 3% | N/A | Read review |
![]() New American Funding: NMLS#6606 Learn more at New American Funding | Best for lower credit score borrowers | 500 | 3.5% | N/A | Learn more at New American Funding |
![]() Pennymac: NMLS#35953 Learn more at Pennymac | Best for online experience | 620 | 3% | N/A | Learn more at Pennymac |
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | Best for online experience | 620 | 3% | N/A | Learn more at Rocket Mortgage, LLC |
Our pick for
low down payments
Bank of America: NMLS#399802

Min. credit score
660Min. down payment
5%National / regional
NationalFlagstar: NMLS#417490

Min. credit score
620Min. down payment
3%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.
Chase: NMLS#399798

National / regional
NationalMax LTV
80%Min. credit score
620Flagstar: NMLS#417490

National / regional
NationalMax LTV
80%Min. credit score
680Our pick for
lower credit score borrowers
Citibank: NMLS#412915

National / regional
NationalMin. down payment
3.5%
at New American Funding
New American Funding: NMLS#6606

Min. credit score
500Min. down payment
3.5%at New American Funding
Our pick for
first-time home buyers

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate
Guild Mortgage: NMLS#3274

Min. credit score
620Min. down payment
3%Our pick for
online experience

at Pennymac
Pennymac: NMLS#35953

Min. credit score
620Min. down payment
3%at Pennymac

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC
Last updated on January 29, 2021
Methodology
To recap our selections...
NerdWallet's Best Utah Mortgage Lenders of 2021
- Bank of America: Best for low down payments
- Chase: Best for home equity lines of credit
- Citibank: Best for lower credit score borrowers
- Flagstar: Best for home equity lines of credit
- Flagstar: Best for low down payments
- Guaranteed Rate: Best for first-time home buyers
- Guild Mortgage: Best for first-time home buyers
- New American Funding: Best for lower credit score borrowers
- Pennymac: Best for online experience
- Rocket Mortgage, LLC: Best for online experience