Mortgage Lenders and Brokers in Cottonwood Heights, 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
Cottonwood Heights, Utah mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA7045 S 1300 E, Cottonwood Heights, UT 84047A+5.0 ★Texas Ratio: 3.68%, BMO Harris Bank NABMO Harris Bank NA683 W Antelope Dr, Layton, UT 84041A+5.0 ★Texas Ratio: 3.54%, America First Federal Credit UnionAmerica First Federal Credit Union611 W Pacific Dr, American Fork, UT 84003A5.0 ★Texas Ratio: 8.33%, Mountain America Federal Credit UnionMountain America Federal Credit Union6440 S 3000 E, Cottonwood Heights, UT 84121 5732A5.0 ★Texas Ratio: 9.78%, US Bank, N.A.US Bank, N.A.278 S 500 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 2.85%, Canyon View Credit UnionCanyon View Credit Union7220 S Highland Dr, Cottonwood Heights, UT 84121 4902A5.0 ★Texas Ratio: 10.63%, Deseret First Credit UnionDeseret First Credit Union260 N 500 W, Bountiful, UT 84010 7278A5.0 ★Texas Ratio: 6.76%, Wells Fargo Bank NAWells Fargo Bank NA797 W State Rd, American Fork, UT 84003A+5.0 ★Texas Ratio: 5.36%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.7015 S Highland Dr, Cottonwood Heights, UT 84121A+5.0 ★Texas Ratio: 3.72%, and Granite Federal Credit UnionGranite Federal Credit Union6799 S 900 E, Midvale, UT 84047 1436A5.0 ★Texas Ratio: 13.85%. 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 Cottonwood Heights, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cottonwood Heights 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 Cottonwood Heights, Utah
Market share is the lender's share of all home loans closed in Cottonwood Heights, 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 Cottonwood Heights 7045 S 1300 E, Cottonwood Heights, UT 84047 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 15 +3 HELOCs |
3.2% | 100% | $1,058,333 | View |
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1 office in Cottonwood Heights 683 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 3 | 0.6% | 100% | $721,666 | View |
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611 W Pacific Dr, American Fork, UT 84003 A5.0 ★Texas Ratio: 8.33% |
Conventional, HELOC | 23 +62 HELOCs |
4.9% | 78.1% | $180,652 | View |
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6440 S 3000 E, Cottonwood Heights, UT 84121 5732 A5.0 ★Texas Ratio: 9.78% |
Conventional, HELOC | 17 +34 HELOCs |
3.6% | 51.5% | $227,941 | View |
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278 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +9 HELOCs |
1.3% | 75% | $368,333 | View |
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7220 S Highland Dr, Cottonwood Heights, UT 84121 4902 A5.0 ★Texas Ratio: 10.63% |
Conventional, HELOC | 5 +38 HELOCs |
1.1% | 100% | $229,000 | View |
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260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76% |
Conventional, HELOC | 5 +3 HELOCs |
1.1% | 71.4% | $181,000 | View |
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797 W State Rd, American Fork, UT 84003 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 0.9% | 100% | $450,000 | View |
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7015 S Highland Dr, Cottonwood Heights, UT 84121 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 3 +23 HELOCs |
0.6% | 60% | $431,666 | View |
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6799 S 900 E, Midvale, UT 84047 1436 A5.0 ★Texas Ratio: 13.85% |
Conventional, HELOC | 3 +3 HELOCs |
0.6% | 50% | $305,000 | View |
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100 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 0.71% |
Conventional, Jumbo | 3 | 0.6% | 100% | $511,666 | View |
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221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73% |
Conventional, HELOC | 2 +9 HELOCs |
0.4% | 100% | $300,000 | View |
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★ 5 stars, 1 review 95 S State St, Salt Lake City, UT 84111 A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,250,000 | View |
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407 E 12300 S, Draper, UT 84020 A+5.0 ★Texas Ratio: 1.93% |
Conventional | 2 | 0.4% | 100% | $300,000 | View |
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13903 S Redwood Rd, Bluffdale, UT 84065 A+5.0 ★Texas Ratio: 2.69% |
Conventional, HELOC | 1 +7 HELOCs |
0.2% | 100% | $685,000 | View |
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496 N 900 W, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $605,000 | View |
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717 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $785,000 | View |
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11850 S Election Rd, Draper, UT 84020 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.2% | 100% | $755,000 | View |
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10653 S River Front Parkway, South Jordan, UT 84095 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
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1166 E Fort Union Blvd, Cottonwood Heights, UT 84047 A+5.0 ★Texas Ratio: 1.01% |
HELOC | 0 +18 HELOCs |
0% | n/a | View | |
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113 S Main St, Alpine, UT 84004 A+5.0 ★Texas Ratio: 1.87% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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580 N Main St, Fillmore, UT 84631 A+5.0 ★Texas Ratio: 2.90% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Utah Community Credit Union
196 N West State Rd, American Fork, UT 84003 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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911 E Fort Union Blvd, Midvale, UT 84047 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Intercap Lending Inc
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Conventional, FHA, VA, Jumbo | 28 | 6% | 100% | $587,142 | |
My Move Mortgage, LLC
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Conventional, Jumbo | 12 | 2.6% | 100% | $859,166 | |
First Colony Mortgage Corporat
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Conventional, Jumbo | 6 | 1.3% | 100% | $596,666 | |
Security Home Mortgage
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Conventional, VA, Jumbo | 4 | 0.9% | 100% | $822,500 | |
Securitynational Mortgage Company
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Conventional, FHA, VA, Jumbo | 4 | 0.9% | 100% | $822,500 | |
Canopy Mortgage, LLC
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Conventional | 3 | 0.6% | 100% | $528,333 | |
Primary Residential Mortgage, INC.
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Conventional, VA | 2 | 0.4% | 100% | $470,000 | |
Direct Rate Home Loans, Inc
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Conventional | 2 | 0.4% | 100% | $430,000 | |
RANLife, Inc.
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Conventional | 1 | 0.2% | 100% | $575,000 | |
Utah Mortgage Loan Corporation
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Conventional | 1 | 0.2% | 100% | $425,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 68 +4 HELOCs |
14.5% | 97.2% | $534,558 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 35 | 7.5% | 81.8% | $447,857 | |
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A-5.0 ★Texas Ratio: 14.58% |
Conventional, FHA, Jumbo | 25 | 5.3% | 92.9% | $627,800 | View |
Kind Lending, LLC
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Conventional, FHA, VA | 17 | 3.6% | 89.5% | $559,117 | |
Provident Funding Associates
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Conventional | 14 | 3% | 100% | $500,000 | |
Fairway Independent Mort Corp
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Conventional, VA, Jumbo | 11 | 2.3% | 100% | $616,818 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 10 | 2.1% | 76.9% | $458,000 | |
Better Mortgage Corporation
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Conventional, FHA, Jumbo, HELOC | 7 +2 HELOCs |
1.5% | 70% | $543,571 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 6 | 1.3% | 100% | $655,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 6 | 1.3% | 100% | $510,000 | |
The Loan Store, Inc
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Conventional, HELOC | 5 +2 HELOCs |
1.1% | 83.3% | $621,000 | |
Navy Federal Credit Union
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Conventional, Jumbo, HELOC | 5 +1 HELOCs |
1.1% | 100% | $385,000 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 1.1% | 83.3% | $155,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 5 | 1.1% | 71.4% | $279,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, Jumbo | 4 | 0.9% | 100% | $637,500 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 0.9% | 80% | $145,000 | |
Nationstar Mortgage
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Conventional | 4 | 0.9% | 57.1% | $307,500 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 4 | 0.9% | 100% | $725,000 | View |
Lower, LLC
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Conventional | 4 | 0.9% | 100% | $500,000 | |
New American Funding, LLC.
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Conventional, HELOC | 3 +1 HELOCs |
0.6% | 75% | $611,666 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $218,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 0.6% | 100% | $561,666 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 0.6% | 100% | $771,666 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 3 | 0.6% | 100% | $588,333 | View |
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A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 2 +4 HELOCs |
0.4% | 100% | $80,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 2 | 0.4% | 100% | $785,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,070,000 | View |
Goodleap, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $265,000 | |
Newrez LLC
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Conventional | 2 | 0.4% | 22.2% | $175,000 | |
Dart Bank
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Conventional, Jumbo | 2 | 0.4% | 100% | $560,000 | |
Resicentral LLC
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Conventional, Jumbo | 2 | 0.4% | 100% | $775,000 | |
AmWest Funding Corp
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Conventional | 2 | 0.4% | 100% | $560,000 | |
Encompass Lending Group, L.P.
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Conventional | 2 | 0.4% | 100% | $845,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 2 | 0.4% | 100% | $695,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 50% | $470,000 | View |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.4% | 100% | $450,000 | |
Nmsi, Inc.
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Conventional | 2 | 0.4% | 100% | $615,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 2 | 0.4% | 100% | $450,000 | |
Alliant Credit Union
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Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.2% | 100% | $1,125,000 | |
Cmg Mortgage Inc
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FHA, HELOC | 1 +2 HELOCs |
0.2% | 100% | $585,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $745,000 | |
Genisys Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,095,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $725,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Envoy Mortgage, Ltd
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,305,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $525,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 100% | $695,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.2% | 100% | $745,000 | View |
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A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.2% | 100% | $505,000 | View |
LoanFlight Lending, LLC.
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Conventional | 1 | 0.2% | 100% | $705,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $675,000 | |
Bay Equity LLC
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Conventional | 1 | 0.2% | 100% | $525,000 | |
Franklin Loan Corporation
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,005,000 | |
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A+5.0 ★Texas Ratio: 5.08% |
Conventional | 1 | 0.2% | 100% | $535,000 | View |
Gardner Financial Services
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Conventional | 1 | 0.2% | 100% | $445,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 100% | $535,000 | |
Union Savings Bank
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Logan Finance Corporation
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Conventional | 1 | 0.2% | 100% | $805,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.2% | 100% | $505,000 | View |
Webster Bank, N.A.
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Conventional | 1 | 0.2% | 100% | $465,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,155,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.2% | 100% | $355,000 | |
Village Capital & Investment
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FHA | 1 | 0.2% | 100% | $405,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Chartway FCU
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Movement Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Beehive Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Delta Community Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cottonwood Heights 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 Cottonwood Heights, Utah
Looking for mortgage lenders near me or mortgage brokers near me in Cottonwood Heights? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cottonwood Heights in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cottonwood Heights, UT
Use these to narrow the list above. Each category shows how many Cottonwood Heights, UT lenders fit and what that kind of lender is usually best for.
Who Lends in Cottonwood Heights, UT
Independent mortgage companies closed 69.1 percent of home loans in Cottonwood Heights, Utah in 2025, banks 16.2 percent and credit unions 14.7 percent. Intercap Lending Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and America First Federal Credit Union the largest credit union. Among lenders headquartered in Utah, America First Federal Credit Union led with 23 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 Cottonwood Heights, UT
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Cottonwood Heights, Utah with 15 loans, about 3.2 percent of the market. The largest lender headquartered in Utah was America First Federal Credit Union with 23 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Cottonwood Heights, Utah, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 97.2 percent, against a 86.6 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.
16 lenders closed FHA loans in Cottonwood Heights, Utah in 2025, led by United Wholesale Mortgage with 6. 8 lenders closed VA loans, led by United Wholesale Mortgage. 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. 33 banks and 20 credit unions closed home loans in Cottonwood Heights, Utah in 2025, alongside 52 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 Cottonwood Heights, 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 Cottonwood Heights, 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 Cottonwood Heights. 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.
