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

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

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC

at Pennymac
Pennymac: NMLS#35953

Min. credit score
620Min. down payment
3%at Pennymac
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.
at New American Funding
New American Funding: NMLS#6606
Min. credit score
500Min. down payment
3.5%at New American Funding
Citibank: NMLS#412915

National / regional
NationalMin. down payment
3.5%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
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.

at Chase
Chase: NMLS#399798

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

National / regional
NationalMax LTV
80%Min. credit score
620Last updated on December 1, 2021
Methodology
To recap our selections...
NerdWallet's Best Utah Mortgage Lenders of 2021
- Rocket Mortgage, LLC: Best for online experience
- New American Funding: Best for lower credit score borrowers
- Guaranteed Rate: Best for first-time home buyers
- Pennymac: 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