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Mortgage Lenders and Brokers in Layton, Utah

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Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Layton, Utah mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1275 N Hill Field Rd, Layton, UT 84041A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.849 W Hill Field Rd, Layton, UT 84041A+5.0 ★Texas Ratio: 2.85%, Bank of UtahBank of Utah717 W Antelope Dr, Layton, UT 84041A+5.0 ★Texas Ratio: 0.71%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.150 S Fort Ln, Layton, UT 84041A+5.0 ★Texas Ratio: 3.72%, Glacier BankGlacier Bank980 N Fairfield Rd, Layton, UT 84041A+5.0 ★Texas Ratio: 1.87%, Wells Fargo Bank NAWells Fargo Bank NA1435 N Hill Field Rd, Layton, UT 84041A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA683 W Antelope Dr, Layton, UT 84041A+5.0 ★Texas Ratio: 3.54%, Keybank National AssociationKeybank National Association999 N Hill Field Rd, Layton, UT 84041A+5.0 ★Texas Ratio: 4.81%, Cache Valley BankCache Valley Bank1010 N Hill Field Rd, Layton, UT 84041A+5.0 ★Texas Ratio: 1.59%, and D. L. Evans BankD. L. Evans Bank360 E Gentile St, Layton, UT 84041A+5.0 ★Texas Ratio: 1.13%. 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 Layton, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Layton 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 Layton, Utah

Market share is the lender's share of all home loans closed in Layton, 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
JPMorgan Chase Bank, NA 1 office in Layton 1275 N Hill Field Rd, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	8 +2 HELOCs	0.6%	90%	$395,000	View
US Bank, N.A. 1 office in Layton 849 W Hill Field Rd, Layton, UT 84041 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	5 +7 HELOCs	0.4%	83.3%	$161,000	View
Bank of Utah 1 office in Layton 717 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 0.71%	Conventional, FHA	5	0.4%	100%	$155,000	View
Zions Bancorporation, N.A. 2 offices in Layton 150 S Fort Ln, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	4 +15 HELOCs	0.3%	100%	$652,500	View
Glacier Bank 3 offices in Layton 980 N Fairfield Rd, Layton, UT 84041 A+5.0 ★Texas Ratio: 1.87%	Conventional, VA, HELOC	2 +5 HELOCs	0.2%	100%	$490,000	View
Wells Fargo Bank NA 2 offices in Layton 1435 N Hill Field Rd, Layton, UT 84041 A+5.0 ★Texas Ratio: 5.36%	Conventional	2	0.2%	40%	$260,000	View
BMO Harris Bank NA 1 office in Layton 683 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	2	0.2%	66.7%	$800,000	View
Keybank National Association 1 office in Layton 999 N Hill Field Rd, Layton, UT 84041 A+5.0 ★Texas Ratio: 4.81%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$105,000	View
Cache Valley Bank 1 office in Layton 1010 N Hill Field Rd, Layton, UT 84041 A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	50%	$545,000	View
D. L. Evans Bank 1 office in Layton 360 E Gentile St, Layton, UT 84041 A+5.0 ★Texas Ratio: 1.13%	Conventional	1	0.1%	50%	$75,000	View
Bank of America NA 1 office in Layton 792 W Hill Field Rd, Layton, UT 84041 A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +3 HELOCs	0%	n/a		View
America First Federal Credit Union 1356 E Highway 193, Layton, UT 84040 A5.0 ★Texas Ratio: 8.33%	Conventional, FHA, HELOC	157 +249 HELOCs	12.7%	83.4%	$146,783	View
Mountain America Federal Credit Union 955 W Antelope Dr, Layton, UT 84041 1634 A5.0 ★Texas Ratio: 9.78%	Conventional, FHA, VA, HELOC	54 +34 HELOCs	4.4%	67.5%	$191,111	View
Goldenwest Federal Credit Union 1268 N Hill Field Rd, Layton, UT 84041 4754 A+5.0 ★Texas Ratio: 2.69%	Conventional, FHA, Jumbo, HELOC	29 +100 HELOCs	2.3%	97%	$355,344	View
Deseret First Credit Union 260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76%	Conventional, HELOC	8 +11 HELOCs	0.6%	100%	$266,250	View
Canyon View Credit Union 1535 N Main St, Bountiful, UT 84010 5928 A5.0 ★Texas Ratio: 10.63%	Conventional, HELOC	2 +4 HELOCs	0.2%	100%	$165,000	View
Cyprus Federal Credit Union 221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73%	Conventional, HELOC	2 +1 HELOCs	0.2%	66.7%	$255,000	View
Utah First Credit Union 616 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.01%	Conventional, HELOC	1 +15 HELOCs	0.1%	33.3%	$235,000	View
Granite Federal Credit Union 6799 S 900 E, Midvale, UT 84047 1436 A5.0 ★Texas Ratio: 13.85%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$385,000	View
Banterra Bank 6965 S Union Park Ctr, Cottonwood Heights, UT 84047 A4.7 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	50%	$1,605,000	View
Utah Power Credit Union 100 W 200 N, Helper, UT 84526 A+5.0 ★Texas Ratio: 0.98%	Conventional	1	0.1%	100%	$515,000	View
Ascent Federal Credit Union 2388 N 400 E, North Ogden, UT 84414 7232	HELOC	0 +2 HELOCs	0%	n/a		View
American United FCU 458 E Main St, Grantsville, UT 84029 9567 A5.0 ★Texas Ratio: 7.55%	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
Intercap Lending Inc	Conventional, FHA, VA	68	5.5%	100%	$395,147
First Colony Mortgage Corporat	Conventional, FHA, VA	34	2.7%	97.2%	$370,294
Securitynational Mortgage Company	Conventional, FHA	19	1.5%	100%	$297,105
Canopy Mortgage, LLC	Conventional, FHA	16	1.3%	94.1%	$540,000
Direct Rate Home Loans, Inc	Conventional, VA	9	0.7%	90%	$471,666
Security Home Mortgage	Conventional, FHA, Jumbo	8	0.6%	100%	$675,000
Primary Residential Mortgage, INC.	Conventional, VA	7	0.6%	87.5%	$443,571
RANLife, Inc.	Conventional, FHA, VA	7	0.6%	100%	$485,000
My Move Mortgage, LLC	Conventional, FHA	5	0.4%	100%	$363,000
Castle & Cooke Mortgage, LLC	Conventional, VA	3	0.2%	100%	$568,333
Utah Mortgage Loan Corporation	Conventional	1	0.1%	100%	$445,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	142 +3 HELOCs	11.5%	89.6%	$469,014
Rocket Mortgage	Conventional, FHA, VA, Jumbo	108	8.7%	87.5%	$289,907
Guild Mortgage Company A-5.0 ★Texas Ratio: 14.58%	Conventional, FHA, VA, Jumbo	78	6.3%	98.8%	$475,000	View
Kind Lending, LLC	Conventional, FHA, VA, Jumbo, HELOC	37 +1 HELOCs	3%	70.9%	$476,891
Freedom Mortgage Corporation A+5.0 ★Texas Ratio: 1.38%	Conventional, FHA, VA	27	2.2%	86.8%	$454,259	View
The Loan Store, Inc	Conventional, FHA, VA, HELOC	26 +5 HELOCs	2.1%	96.6%	$465,769
Pennymac Loan Services LLC	Conventional, FHA, VA	24	1.9%	96%	$235,833
Provident Funding Associates	Conventional	21	1.7%	92%	$438,809
Nationstar Mortgage	Conventional	17	1.4%	90%	$210,294
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	17	1.4%	100%	$286,176	View
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	16	1.3%	100%	$423,125
Mortgage Research Center	VA	14	1.1%	77.8%	$447,857
Guaranteed Rate, Inc.	Conventional, FHA	12	1%	92.3%	$388,333
American Pacific Mortgage Corporation	Conventional, FHA, VA	11	0.9%	91.7%	$350,454
loanDepot.com LLC	Conventional, FHA, HELOC	10 +2 HELOCs	0.8%	76.9%	$248,000
SWBC Mortgage Corporation	Conventional, VA	10	0.8%	100%	$440,000
Triad Financial Services, Inc. B4.5 ★Texas Ratio: 21.05%	Conventional	10	0.8%	71.4%	$72,000	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA, Jumbo	9	0.7%	48%	$437,222
Newrez LLC	Conventional, FHA, VA, Jumbo	8	0.6%	72.7%	$408,750
New American Funding, LLC.	Conventional, FHA, HELOC	7 +2 HELOCs	0.6%	77.8%	$263,571
CrossCountry Mortgage, LLC	Conventional, FHA, HELOC	7 +1 HELOCs	0.6%	100%	$443,571
Navy Federal Credit Union	Conventional	7	0.6%	100%	$229,285
21St Mortgage	Conventional	7	0.6%	38.9%	$82,142
Paramount Residential Mortgage	Conventional, FHA, VA	7	0.6%	100%	$447,857
Spring Eq, LLC	Conventional, HELOC	6 +3 HELOCs	0.5%	54.5%	$116,666
Primelending	Conventional, FHA, VA	6	0.5%	100%	$283,333
Resicentral LLC	Conventional, FHA	6	0.5%	100%	$266,666
Cmg Mortgage Inc	Conventional, FHA, VA	6	0.5%	100%	$418,333
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.5%	85.7%	$113,333	View
Village Capital & Investment	VA	5	0.4%	90%	$505,000
Guaranteed Rate Affinity, LLC	Conventional, FHA	4	0.3%	100%	$440,000
Amerisave Mortgage Company	Conventional, FHA	4	0.3%	50%	$247,500
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	4	0.3%	100%	$352,500	View
AmWest Funding Corp	Conventional, FHA	4	0.3%	100%	$502,500
American Financing Corporation	Conventional, FHA	4	0.3%	71.4%	$205,000
Vanderbilt Mortgage and Finance, Inc	Conventional	4	0.3%	25%	$50,000
Ark-La-Tex Financial Services LLC	Conventional	4	0.3%	100%	$420,000
Premia Mortgage, LLC	Conventional, VA	3	0.2%	100%	$578,333
Nbkc Bank	Conventional, VA, Jumbo	3	0.2%	75%	$658,333
American Financial Network, Inc.	Conventional, FHA	3	0.2%	100%	$335,000
Peoples Mortgage Company	Conventional	3	0.2%	100%	$255,000
Gardner Financial Services	Conventional	3	0.2%	100%	$478,333
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.2%	100%	$495,000
Lower, LLC	Conventional	3	0.2%	100%	$438,333
JMAC Lending, Inc.	Conventional, FHA	3	0.2%	75%	$458,333
Alameda Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$210,000
Sage Home Loans Corporation	Conventional	2	0.2%	100%	$380,000
Watermark Capital, Inc.	Conventional	2	0.2%	100%	$495,000
Equity Prime Mortgage LLC	FHA	2	0.2%	100%	$620,000
Chartway FCU	Conventional	2	0.2%	100%	$235,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.2%	100%	$665,000	View
Discover Bank	Conventional	2	0.2%	40%	$115,000
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$340,000
VanDyk Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$355,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.2%	100%	$260,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	100%	$500,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	2	0.2%	100%	$405,000	View
Better Mortgage Corporation	Conventional	2	0.2%	40%	$185,000
V.I.P. Mortgage, Inc.	Conventional	2	0.2%	100%	$355,000
Carrington Mortgage Services LLC	Conventional, VA	2	0.2%	37.5%	$230,000
Security Service A5.0 ★Texas Ratio: 6.91%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$325,000
Goodleap, LLC	FHA, HELOC	1 +2 HELOCs	0.1%	25%	$325,000
Sun American Mortgage Company	Conventional	1	0.1%	100%	$625,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,015,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$405,000
American Financial Resources LLC	Conventional	1	0.1%	100%	$245,000
Everett Financial, Inc.	Conventional	1	0.1%	100%	$385,000
MortgageOne, Inc	Conventional	1	0.1%	33.3%	$505,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$765,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0.1%	100%	$275,000	View
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$295,000
Synergy One Lending, Inc.	VA	1	0.1%	100%	$805,000
Sun West Mortgage Company, Inc A+5.0 ★Texas Ratio: 5.17%	VA	1	0.1%	100%	$775,000	View
Credit Human Federal Credit Un	Conventional	1	0.1%	100%	$55,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$415,000
Delta Community Credit Union	Conventional	1	0.1%	50%	$545,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$445,000	View
Planet Home Lending, LLC	FHA	1	0.1%	100%	$395,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$785,000
Priority Home Mortgage, L.P.	Conventional	1	0.1%	100%	$715,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$555,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$255,000
Mutual of Omaha Mortgage	VA	1	0.1%	100%	$345,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$295,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	33.3%	$435,000	View
Plaza Home Mortgage, Inc	Conventional	1	0.1%	20%	$155,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +4 HELOCs	0%	n/a
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	0%		View
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Evo Home Loans, LLC dba Epiq Lending	HELOC	0 +1 HELOCs	0%	n/a
Firefighters First Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Layton Mortgage Rate Trends

Daily average mortgage rates for Utah compared with the national average, updated every evening.

30-Year Fixed UT Avg

7.379%

▲ 0.090 vs 7 days ago

15-Year Fixed UT Avg

6.781%

▲ 0.027 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Layton, Utah

Looking for mortgage lenders near me or mortgage brokers near me in Layton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Layton in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Layton, UT

Use these to narrow the list above. Each category shows how many Layton, UT lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 81 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 28 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 43 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 33 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 14 lenders. Loans above the conforming limit for higher priced homes Local lenders based in UT 25 lenders headquartered in Utah, the closest thing to a mortgage lender near you

Who Lends in Layton, UT

Independent mortgage companies closed 71.3 percent of home loans in Layton, Utah in 2025, banks 7 percent and credit unions 21.6 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, Bank of Utah led with 5 loans.

71.3%

Mortgage companies

Banks

21.6%

Credit unions

15%

FHA loans

11%

VA 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

All Utah lenders 431 lenders Eagle Mountain 142 lenders West Jordan 160 lenders Salt Lake City 193 lenders St. George 187 lenders Lehi 157 lenders West Valley City 137 lenders South Jordan 155 lenders Herriman 149 lenders Ogden 145 lenders Sandy 157 lenders Tooele 123 lenders Saratoga Springs 127 lenders

Frequently Asked Questions About Mortgage Lenders in Layton, UT

Who is the largest mortgage lender in Layton, UT?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Layton, Utah with 8 loans, about 0.6 percent of the market. The largest lender headquartered in Utah was Bank of Utah with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Layton, UT have the highest approval rates?

Among lenders with meaningful volume in Layton, Utah, Intercap Lending Inc approved the highest share of completed applications in 2025 at 100 percent, against a 84.7 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.

Which Layton, UT mortgage lenders offer FHA, VA and USDA loans?

43 lenders closed FHA loans in Layton, Utah in 2025, led by United Wholesale Mortgage with 25. 33 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.

Are credit unions and local banks included in this Layton, UT lender list?

Yes. 28 banks and 24 credit unions closed home loans in Layton, Utah in 2025, alongside 81 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.

How are mortgage lenders in Layton, UT ranked on this page?

Lenders are ranked only by the number of home loans they closed in Layton, 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 Layton, 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 Layton. 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.