Mortgage Lenders and Brokers in Heber, 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
Heber, Utah mortgage lenders include 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 Union3986 N 15675 W, Altamont, UT 84001A5.0 ★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%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA510 S 200 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 3.68%, Utah Community Credit UnionUtah Community Credit Union196 N West State Rd, American Fork, UT 84003, Zions Bancorporation, N.A.Zions Bancorporation, N.A.606 E State Rd, American Fork, UT 84003A+5.0 ★Texas Ratio: 3.72%, Bank of UtahBank of Utah100 S 500 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 0.71%, Cyprus Federal Credit UnionCyprus Federal Credit Union221 W Parrish Ln, Centerville, UT 84014A+5.0 ★Texas Ratio: 2.73%, Bank of America NABank of America NA496 N 900 W, American Fork, UT 84003A+5.0 ★Texas Ratio: 4.14%, and Wells Fargo Bank NAWells Fargo Bank NA797 W State Rd, American Fork, UT 84003A+5.0 ★Texas Ratio: 5.36%. 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 Heber, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Heber 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 Heber, Utah
Market share is the lender's share of all home loans closed in Heber, 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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611 W Pacific Dr, American Fork, UT 84003 A5.0 ★Texas Ratio: 8.33% |
Conventional, Jumbo, HELOC | 21 +57 HELOCs |
4.2% | 70.6% | $247,380 | View |
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3986 N 15675 W, Altamont, UT 84001 A5.0 ★Texas Ratio: 9.78% |
Conventional, HELOC | 20 +36 HELOCs |
4% | 55.3% | $212,500 | View |
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278 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 16 +1 HELOCs |
3.2% | 85% | $1,202,500 | View |
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510 S 200 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 9 | 1.8% | 81.8% | $1,223,888 | View |
Utah Community Credit Union
196 N West State Rd, American Fork, UT 84003 |
Conventional, HELOC | 8 +26 HELOCs |
1.6% | 88.9% | $500,000 | |
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606 E State Rd, American Fork, UT 84003 A+5.0 ★Texas Ratio: 3.72% |
Conventional, FHA, Jumbo, HELOC | 8 +11 HELOCs |
1.6% | 84.6% | $1,020,000 | View |
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100 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 0.71% |
Conventional | 7 | 1.4% | 100% | $363,571 | View |
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221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73% |
Conventional, HELOC | 5 +2 HELOCs |
1% | 100% | $453,000 | View |
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496 N 900 W, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +1 HELOCs |
0.8% | 80% | $682,500 | View |
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797 W State Rd, American Fork, UT 84003 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 0.8% | 80% | $1,055,000 | View |
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113 S Main St, Alpine, UT 84004 A+5.0 ★Texas Ratio: 1.87% |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 100% | $595,000 | 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% | $2,385,000 | View |
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11850 S Election Rd, Draper, UT 84020 A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.2% | 100% | $3,005,000 | View |
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717 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.2% | 100% | $815,000 | View |
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6799 S 900 E, Midvale, UT 84047 1436 A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 0.2% | 100% | $635,000 | View |
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683 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
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175 E Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 1 | 0.2% | 100% | $675,000 | View |
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105 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 1.59% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,735,000 | View |
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407 E 12300 S, Draper, UT 84020 A+5.0 ★Texas Ratio: 1.93% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
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13903 S Redwood Rd, Bluffdale, UT 84065 A+5.0 ★Texas Ratio: 2.69% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76% |
HELOC | 0 +3 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 +2 HELOCs |
0% | n/a | View | |
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1535 N Main St, Bountiful, UT 84010 5928 A5.0 ★Texas Ratio: 10.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
My Move Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 31 | 6.2% | 100% | $562,096 | |
Intercap Lending Inc
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Conventional, FHA, VA, Jumbo | 9 | 1.8% | 100% | $660,555 | |
RANLife, Inc.
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Conventional, FHA, VA | 8 | 1.6% | 100% | $442,500 | |
First Colony Mortgage Corporat
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Conventional, FHA, Jumbo | 6 | 1.2% | 75% | $1,001,666 | |
Securitynational Mortgage Company
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Conventional, FHA | 4 | 0.8% | 100% | $410,000 | |
Canopy Mortgage, LLC
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Conventional | 2 | 0.4% | 100% | $495,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Security Home Mortgage
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,405,000 | |
Veritas Funding, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Lennar Mortgage, LLC
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Conventional, FHA | 53 | 10.6% | 88.3% | $454,622 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 47 +4 HELOCs |
9.4% | 87% | $619,893 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 28 | 5.6% | 87.5% | $480,714 | |
Pulte Mortgage LLC
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Conventional, FHA, VA | 21 | 4.2% | 75% | $541,190 | |
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A-5.0 ★Texas Ratio: 14.58% |
Conventional, FHA, VA | 20 | 4% | 90.9% | $528,500 | View |
Kind Lending, LLC
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Conventional, FHA, VA | 11 | 2.2% | 73.3% | $462,272 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo, HELOC | 10 +1 HELOCs |
2% | 100% | $1,481,000 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 9 +1 HELOCs |
1.8% | 87.5% | $462,777 | |
Toll Brothers Mortgage Company
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Conventional | 8 | 1.6% | 88.2% | $548,750 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 1.4% | 70% | $630,714 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 5 +1 HELOCs |
1% | 100% | $467,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 5 | 1% | 100% | $1,539,000 | View |
Chartway FCU
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Conventional, HELOC | 4 +1 HELOCs |
0.8% | 80% | $582,500 | |
Newrez LLC
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Conventional, VA, Jumbo | 4 | 0.8% | 66.7% | $885,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 0.8% | 100% | $482,500 | |
Better Mortgage Corporation
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Conventional, Jumbo, HELOC | 3 +4 HELOCs |
0.6% | 50% | $771,666 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +4 HELOCs |
0.6% | 37.5% | $161,666 | |
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A+5.0 ★Texas Ratio: 1.38% |
Conventional, FHA, VA | 3 | 0.6% | 75% | $455,000 | View |
loanDepot.com LLC
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Conventional | 3 | 0.6% | 100% | $488,333 | |
Mortgage Research Center
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VA | 3 | 0.6% | 100% | $521,666 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 0.6% | 100% | $2,315,000 | View |
Amerisave Mortgage Company
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 40% | $95,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.4% | 100% | $570,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.4% | 100% | $340,000 | |
Alameda Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 100% | $320,000 | |
American Financial Resources LLC
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Conventional | 2 | 0.4% | 100% | $480,000 | |
MortgageOne, Inc
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Conventional, FHA | 2 | 0.4% | 100% | $380,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.4% | 66.7% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 2 | 0.4% | 100% | $230,000 | View |
Hometown Equity Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 66.7% | $620,000 | |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 2 | 0.4% | 100% | $1,935,000 | |
Gardner Financial Services
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Conventional | 2 | 0.4% | 100% | $585,000 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional, Jumbo | 2 | 0.4% | 100% | $3,930,000 | View |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 0.4% | 100% | $500,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 2 | 0.4% | 66.7% | $1,445,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 0.4% | 100% | $715,000 | View |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 2 | 0.4% | 100% | $865,000 | View |
Fourleaf Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $365,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,135,000 | View |
Navy Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $105,000 | |
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A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $135,000 | |
Sun American Mortgage Company
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Arc Home LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,345,000 | |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional, Jumbo | 1 | 0.2% | 100% | $3,005,000 | View |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, Jumbo | 1 | 0.2% | 100% | $3,965,000 | View |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.2% | 100% | $995,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $515,000 | |
Nbkc Bank
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,845,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $3,295,000 | |
Oaktree Funding Corp
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,415,000 | |
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A+5.0 ★Texas Ratio: 3.95% |
Conventional | 1 | 0.2% | 100% | $735,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.2% | 100% | $485,000 | View |
Discover Bank
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Conventional | 1 | 0.2% | 20% | $45,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.2% | 100% | $655,000 | |
Greenbox Loans
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Conventional | 1 | 0.2% | 100% | $575,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $555,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $505,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 2.75% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,005,000 | View |
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A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.2% | 100% | $815,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $815,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,845,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.2% | 50% | $905,000 | View |
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A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 0.2% | 100% | $735,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.2% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.66% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | View |
ClearEdge Lending LLC
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Conventional | 1 | 0.2% | 100% | $965,000 | |
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A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,645,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,195,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.2% | 100% | $995,000 | |
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A+5.0 ★Texas Ratio: 4.82% |
VA, Jumbo | 1 | 0.2% | 100% | $1,505,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.2% | 100% | $675,000 | View |
Alliant Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Kinecta Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Heber 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 Heber, Utah
Looking for mortgage lenders near me or mortgage brokers near me in Heber? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Heber in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Heber, UT
Use these to narrow the list above. Each category shows how many Heber, UT lenders fit and what that kind of lender is usually best for.
Who Lends in Heber, UT
Independent mortgage companies closed 69.3 percent of home loans in Heber, Utah in 2025, banks 18 percent and credit unions 12.6 percent. My Move Mortgage, LLC was the largest mortgage company, US Bank, N.A. 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 21 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 Heber, UT
By home loans closed in 2025, America First Federal Credit Union was the largest mortgage lender in Heber, Utah with 21 loans, about 4.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Heber, Utah, Lennar Mortgage, LLC approved the highest share of completed applications in 2025 at 88.3 percent, against a 83.6 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.
26 lenders closed FHA loans in Heber, Utah in 2025, led by United Wholesale Mortgage with 10. 14 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. 37 banks and 19 credit unions closed home loans in Heber, Utah in 2025, alongside 59 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 Heber, 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 Heber, 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 Heber. 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.
