Mortgage Lenders and Brokers in Ephraim, 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
Ephraim, Utah mortgage lenders include Zions Bancorporation, N.A.Zions Bancorporation, N.A.10 S Main St, Ephraim, UT 84627A+5.0 ★Texas Ratio: 3.72%, Cache Valley BankCache Valley Bank2 N Main St, Ephraim, UT 84627A+5.0 ★Texas Ratio: 1.59%, Mountain America Federal Credit UnionMountain America Federal Credit Union620 N Main St, Ephraim, UT 84627 1119A5.0 ★Texas Ratio: 9.78%, America First Federal Credit UnionAmerica First Federal Credit Union611 W Pacific Dr, American Fork, UT 84003A5.0 ★Texas Ratio: 8.33%, Cyprus Federal Credit UnionCyprus Federal Credit Union221 W Parrish Ln, Centerville, UT 84014A+5.0 ★Texas Ratio: 2.73%, MidFirst BankMidFirst Bank10653 S River Front Parkway, South Jordan, UT 84095A+5.0 ★Texas Ratio: 4.93%, Deseret First Credit UnionDeseret First Credit Union260 N 500 W, Bountiful, UT 84010 7278A5.0 ★Texas Ratio: 6.76%, Utah Community Credit UnionUtah Community Credit Union196 N West State Rd, American Fork, UT 84003, Securitynational Mortgage CompanySecuritynational Mortgage CompanySalt Lake City, UT, and Intercap Lending IncIntercap Lending IncSalt Lake City, UT. 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 Ephraim, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ephraim 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 Ephraim, Utah
Market share is the lender's share of all home loans closed in Ephraim, 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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2 offices in Ephraim 10 S Main St, Ephraim, UT 84627 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 1 +2 HELOCs |
1.2% | 100% | $175,000 | View |
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1 office in Ephraim 2 N Main St, Ephraim, UT 84627 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 1.2% | 100% | $405,000 | View |
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620 N Main St, Ephraim, UT 84627 1119 A5.0 ★Texas Ratio: 9.78% |
Conventional, HELOC | 8 +11 HELOCs |
9.9% | 72.7% | $167,500 | View |
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611 W Pacific Dr, American Fork, UT 84003 A5.0 ★Texas Ratio: 8.33% |
Conventional, HELOC | 5 +1 HELOCs |
6.2% | 100% | $171,000 | View |
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221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $35,000 | View |
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10653 S River Front Parkway, South Jordan, UT 84095 A+5.0 ★Texas Ratio: 4.93% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,175,000 | View |
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260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76% |
Conventional | 1 | 1.2% | 100% | $225,000 | View |
Utah Community Credit Union
196 N West State Rd, American Fork, UT 84003 |
Conventional | 1 | 1.2% | 100% | $605,000 | |
Securitynational Mortgage Company
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Conventional, FHA | 13 | 16% | 100% | $229,615 | |
Intercap Lending Inc
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Conventional, FHA | 5 | 6.2% | 100% | $251,000 | |
Security Home Mortgage
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Conventional, VA | 2 | 2.5% | 100% | $425,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $535,000 | |
My Move Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $525,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 20 | 24.7% | 90.9% | $349,500 | |
Rocket Mortgage
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Conventional | 4 | 4.9% | 100% | $247,500 | |
Plaza Home Mortgage, Inc
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Conventional, USDA | 3 | 3.7% | 100% | $328,333 | |
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A-5.0 ★Texas Ratio: 14.58% |
Conventional, FHA | 2 | 2.5% | 100% | $170,000 | View |
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A+5.0 ★Texas Ratio: 1.38% |
Conventional | 1 | 1.2% | 50% | $345,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.2% | 100% | $555,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 1.2% | 100% | $305,000 | |
Newrez LLC
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Conventional | 1 | 1.2% | 100% | $365,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $415,000 | |
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B4.5 ★Texas Ratio: 21.05% |
Conventional | 1 | 1.2% | 75% | $115,000 | View |
loanDepot.com LLC
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Conventional | 1 | 1.2% | 100% | $135,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.2% | 100% | $235,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.2% | 100% | $755,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 1.2% | 100% | $435,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1.2% | 100% | $265,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ephraim 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 Ephraim, Utah
Looking for mortgage lenders near me or mortgage brokers near me in Ephraim? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ephraim in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ephraim, UT
Use these to narrow the list above. Each category shows how many Ephraim, UT lenders fit and what that kind of lender is usually best for.
Who Lends in Ephraim, UT
Independent mortgage companies closed 71.6 percent of home loans in Ephraim, Utah in 2025, banks 8.6 percent and credit unions 19.8 percent. Securitynational Mortgage Company was the largest mortgage company, Zions Bancorporation, N.A. the largest bank and Mountain America Federal Credit Union the largest credit union. Among lenders headquartered in Utah, Cache Valley Bank led with 1 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 Ephraim, UT
By home loans closed in 2025, Zions Bancorporation, N.A. was the largest mortgage lender in Ephraim, Utah with 1 loans, about 1.2 percent of the market. The largest lender headquartered in Utah was Cache Valley Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Ephraim, Utah in 2025, led by Securitynational Mortgage Company with 4. 2 lenders closed VA loans, led by Security Home Mortgage, and 1 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. 6 banks and 5 credit unions closed home loans in Ephraim, Utah in 2025, alongside 18 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 Ephraim, 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 Ephraim, 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 Ephraim. 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.
