Mortgage Lenders and Brokers in Cedar City, Utah
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Cedar City, Utah mortgage lenders include State Bank of Southern UtahState Bank of Southern Utah1322 S Interstate Dr, Cedar City, UT 84720A+5.0 ★Texas Ratio: 2.27%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.3 S Main St, Cedar City, UT 84720A+5.0 ★Texas Ratio: 3.72%, Wells Fargo Bank NAWells Fargo Bank NA57 N Main St, Cedar City, UT 84720A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.600 S Main St, Cedar City, UT 84720A+5.0 ★Texas Ratio: 2.85%, Cache Valley BankCache Valley Bank26 North Main Street, Cedar City, UT 84720A+5.0 ★Texas Ratio: 1.59%, Mountain America Federal Credit UnionMountain America Federal Credit Union410 N Main St, Cedar City, UT 84720A5.0 ★Texas Ratio: 9.78%, America First Federal Credit UnionAmerica First Federal Credit Union150 N Main St, Cedar City, UT 84720A5.0 ★Texas Ratio: 8.33%, Bank of UtahBank of Utah100 S 500 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 0.71%, Glacier BankGlacier Bank113 S Main St, Alpine, UT 84004A+5.0 ★Texas Ratio: 1.87%, and Bank of America NABank of America NA496 N 900 W, American Fork, UT 84003A+5.0 ★Texas Ratio: 4.14%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Cedar City, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cedar City are listed first, then lenders elsewhere in Utah, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Cedar City, Utah
Market share is the lender's share of all home loans closed in Cedar City, Utah. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Cedar City 1322 S Interstate Dr, Cedar City, UT 84720 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 43 +111 HELOCs |
4% | 96.4% | $292,906 | View |
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1 office in Cedar City 3 S Main St, Cedar City, UT 84720 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 4 +11 HELOCs |
0.4% | 91.7% | $480,000 | View |
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1 office in Cedar City 57 N Main St, Cedar City, UT 84720 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 0.4% | 66.7% | $307,500 | View |
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1 office in Cedar City 600 S Main St, Cedar City, UT 84720 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +3 HELOCs |
0.3% | 50% | $555,000 | View |
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1 office in Cedar City 26 North Main Street, Cedar City, UT 84720 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 3 | 0.3% | 100% | $411,666 | View |
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410 N Main St, Cedar City, UT 84720 A5.0 ★Texas Ratio: 9.78% |
Conventional, FHA, VA, HELOC | 105 +56 HELOCs |
9.8% | 66% | $195,285 | View |
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150 N Main St, Cedar City, UT 84720 A5.0 ★Texas Ratio: 8.33% |
Conventional, HELOC | 20 +30 HELOCs |
1.9% | 73.3% | $110,500 | View |
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100 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 0.71% |
Conventional, USDA | 5 | 0.5% | 100% | $405,000 | View |
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113 S Main St, Alpine, UT 84004 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 5 | 0.5% | 71.4% | $389,000 | View |
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496 N 900 W, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +1 HELOCs |
0.3% | 100% | $315,000 | View |
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221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73% |
Conventional, FHA | 3 | 0.3% | 75% | $348,333 | View |
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13903 S Redwood Rd, Bluffdale, UT 84065 A+5.0 ★Texas Ratio: 2.69% |
Conventional, HELOC | 2 +8 HELOCs |
0.2% | 100% | $325,000 | View |
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510 S 200 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 66.7% | $190,000 | View |
Utah Community Credit Union
196 N West State Rd, American Fork, UT 84003 |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.2% | 100% | $485,000 | |
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100 W 200 N, Helper, UT 84526 A+5.0 ★Texas Ratio: 0.98% |
Conventional | 2 | 0.2% | 100% | $305,000 | View |
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260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
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175 E Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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1535 N Main St, Bountiful, UT 84010 5928 A5.0 ★Texas Ratio: 10.63% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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616 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.01% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Intercap Lending Inc
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Conventional, FHA, VA | 58 | 5.4% | 96.8% | $320,344 | |
Securitynational Mortgage Company
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Conventional, FHA, VA | 24 | 2.2% | 100% | $298,750 | |
Belem Servicing, LLC dba Patriot Home Mortgage
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Conventional, FHA, VA | 13 | 1.2% | 100% | $303,461 | |
Canopy Mortgage, LLC
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Conventional, FHA | 8 | 0.7% | 100% | $295,000 | |
First Colony Mortgage Corporat
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Conventional, FHA, VA | 7 | 0.7% | 100% | $385,000 | |
RANLife, Inc.
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Conventional, FHA | 6 | 0.6% | 100% | $270,000 | |
Security Home Mortgage
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Conventional, FHA | 6 | 0.6% | 100% | $295,000 | |
My Move Mortgage, LLC
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Conventional, FHA | 5 | 0.5% | 100% | $437,000 | |
City 1st Mortgage Services, LC
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Conventional | 2 | 0.2% | 100% | $420,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Castle & Cooke Mortgage, LLC
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FHA | 1 | 0.1% | 33.3% | $285,000 | |
Direct Rate Home Loans, Inc
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Conventional | 1 | 0.1% | 100% | $225,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 151 +1 HELOCs |
14.1% | 93.2% | $383,940 | |
American Financial Network, Inc.
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Conventional, FHA, VA, USDA | 81 | 7.5% | 98.8% | $360,432 | |
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A-5.0 ★Texas Ratio: 14.58% |
Conventional, FHA, VA, Jumbo | 80 | 7.4% | 98.9% | $348,375 | View |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 56 | 5.2% | 80.6% | $387,678 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 41 | 3.8% | 85.4% | $318,902 | |
Premier Mortgage Resources, LLC
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Conventional, FHA, VA, Jumbo | 31 | 2.9% | 97% | $378,225 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 22 | 2% | 85.2% | $308,636 | |
Sun American Mortgage Company
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Conventional, FHA, VA, Jumbo | 21 | 2% | 91.3% | $358,809 | |
Mortgage Research Center
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VA | 20 | 1.9% | 80% | $389,500 | |
The Loan Store, Inc
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Conventional, FHA, VA, HELOC | 19 +1 HELOCs |
1.8% | 90.5% | $282,368 | |
Residential Wholesale Mortgage
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Conventional, FHA, VA | 19 | 1.8% | 100% | $299,736 | |
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A+5.0 ★Texas Ratio: 1.38% |
Conventional, FHA, VA | 14 | 1.3% | 85% | $318,571 | View |
Kind Lending, LLC
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Conventional, FHA, VA | 14 | 1.3% | 82.4% | $380,714 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 8 | 0.7% | 100% | $317,500 | View |
loanDepot.com LLC
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Conventional, FHA, VA | 7 | 0.7% | 63.6% | $212,142 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 6 | 0.6% | 100% | $371,666 | View |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 6 | 0.6% | 44.4% | $451,666 | |
Navy Federal Credit Union
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Conventional, VA | 6 | 0.6% | 85.7% | $235,000 | |
Chartway FCU
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Conventional, HELOC | 5 +17 HELOCs |
0.5% | 100% | $51,000 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA, HELOC | 5 +1 HELOCs |
0.5% | 100% | $321,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 5 | 0.5% | 100% | $315,000 | |
Nationstar Mortgage
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Conventional | 5 | 0.5% | 83.3% | $185,000 | |
Newrez LLC
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Conventional, FHA, VA | 4 | 0.4% | 100% | $337,500 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 4 | 0.4% | 100% | $382,500 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.4% | 100% | $280,000 | View |
Paramount Residential Mortgage
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Conventional, FHA, VA | 4 | 0.4% | 100% | $370,000 | |
American Financial Resources LLC
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Conventional, FHA, VA | 3 | 0.3% | 100% | $405,000 | |
Sage Home Loans Corporation
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Conventional | 3 | 0.3% | 100% | $485,000 | |
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B4.5 ★Texas Ratio: 21.05% |
Conventional | 3 | 0.3% | 75% | $118,333 | View |
Amerisave Mortgage Company
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Conventional | 3 | 0.3% | 50% | $128,333 | |
Synergy One Lending, Inc.
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Conventional, VA, Jumbo | 3 | 0.3% | 100% | $751,666 | |
HomeXpress Mortgage Corp.
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Conventional | 3 | 0.3% | 100% | $435,000 | |
American Financing Corporation
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Conventional, FHA | 3 | 0.3% | 60% | $211,666 | |
Provident Funding Associates
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Conventional | 3 | 0.3% | 75% | $628,333 | |
Lendsure Mortgage Corp.
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Conventional | 3 | 0.3% | 100% | $311,666 | |
New American Funding, LLC.
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Conventional | 3 | 0.3% | 60% | $171,666 | |
Fairway Independent Mort Corp
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FHA, VA | 3 | 0.3% | 100% | $338,333 | |
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A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 2 +2 HELOCs |
0.2% | 66.7% | $270,000 | |
Goodleap, LLC
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VA | 2 | 0.2% | 66.7% | $390,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 2 | 0.2% | 100% | $525,000 | |
NOVA Financial & Investment Corporation
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Conventional, VA | 2 | 0.2% | 100% | $330,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 2 | 0.2% | 100% | $1,145,000 | View |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.2% | 100% | $560,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.2% | 100% | $395,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, VA | 2 | 0.2% | 66.7% | $510,000 | View |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $480,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 2 | 0.2% | 100% | $415,000 | |
Lower, LLC
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Conventional | 2 | 0.2% | 100% | $310,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA, VA | 2 | 0.2% | 100% | $280,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 2 | 0.2% | 100% | $330,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 2 | 0.2% | 100% | $350,000 | View |
Alliant Credit Union
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Conventional | 1 | 0.1% | 100% | $805,000 | |
Alameda Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $465,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $615,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.1% | 50% | $595,000 | |
MortgageOne, Inc
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FHA | 1 | 0.1% | 100% | $455,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $155,000 | |
Filo Mortgage, LLC
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VA | 1 | 0.1% | 100% | $525,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $615,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.1% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
AmWest Funding Corp
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Conventional | 1 | 0.1% | 100% | $365,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.1% | 100% | $325,000 | |
Discover Bank
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Conventional | 1 | 0.1% | 14.3% | $65,000 | |
Royal Pacific Funding
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FHA | 1 | 0.1% | 100% | $375,000 | |
Los Angeles Police FCU
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Conventional | 1 | 0.1% | 50% | $85,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.1% | 100% | $525,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.1% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 10.59% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
Shoreham Bank
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FHA | 1 | 0.1% | 100% | $25,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.1% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.1% | 50% | $505,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.1% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 100% | $455,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.1% | 100% | $605,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.1% | 50% | $95,000 | View |
21St Mortgage
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Conventional | 1 | 0.1% | 9.1% | $245,000 | |
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A+5.0 ★Texas Ratio: 1.39% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.1% | 33.3% | $205,000 | |
Village Capital & Investment
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Conventional | 1 | 0.1% | 100% | $765,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cedar City Mortgage Rate Trends
Daily average mortgage rates for Utah compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cedar City, Utah
Looking for mortgage lenders near me or mortgage brokers near me in Cedar City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cedar City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cedar City, UT
Use these to narrow the list above. Each category shows how many Cedar City, UT lenders fit and what that kind of lender is usually best for.
Who Lends in Cedar City, UT
Independent mortgage companies closed 75 percent of home loans in Cedar City, Utah in 2025, banks 10.8 percent and credit unions 14.2 percent. Intercap Lending Inc was the largest mortgage company, State Bank of Southern Utah the largest bank and Mountain America Federal Credit Union the largest credit union. Among lenders headquartered in Utah, State Bank of Southern Utah led with 43 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Utah. None; Utah has no transfer tax or mortgage tax, only county recording fees.
More Utah Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Cedar City, UT
By home loans closed in 2025, State Bank of Southern Utah was the largest mortgage lender in Cedar City, Utah with 43 loans, about 4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Cedar City, Utah, Guild Mortgage Company approved the highest share of completed applications in 2025 at 98.9 percent, against a 85.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
43 lenders closed FHA loans in Cedar City, Utah in 2025, led by United Wholesale Mortgage with 25. 36 lenders closed VA loans, led by United Wholesale Mortgage, and 3 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 29 banks and 18 credit unions closed home loans in Cedar City, Utah in 2025, alongside 73 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Cedar City, Utah during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cedar City, Utah for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cedar City. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
