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Mortgage Lenders and Brokers in Millcreek, Utah

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

Millcreek, Utah mortgage lenders include America First Federal Credit UnionAmerica First Federal Credit Union4519 S 1300 E, Millcreek, UT 84117 4125A5.0 ★Texas Ratio: 8.33%, Mountain America Federal Credit UnionMountain America Federal Credit Union1298 E Murray Holladay Rd, Millcreek, UT 84117 4929A5.0 ★Texas Ratio: 9.78%, Canyon View Credit UnionCanyon View Credit Union3450 S Highland Dr, Millcreek, UT 84106 3358A5.0 ★Texas Ratio: 10.63%, US Bank, N.A.US Bank, N.A.278 S 500 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 2.85%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.606 E State Rd, American Fork, UT 84003A+5.0 ★Texas Ratio: 3.72%, Granite Federal Credit UnionGranite Federal Credit Union6799 S 900 E, Midvale, UT 84047 1436A5.0 ★Texas Ratio: 13.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA510 S 200 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA797 W State Rd, American Fork, UT 84003A+5.0 ★Texas Ratio: 5.36%, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union13903 S Redwood Rd, Bluffdale, UT 84065A+5.0 ★Texas Ratio: 2.69%, and Cyprus Federal Credit UnionCyprus Federal Credit Union221 W Parrish Ln, Centerville, UT 84014A+5.0 ★Texas Ratio: 2.73%. 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 Millcreek, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Millcreek 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 Millcreek, Utah

Market share is the lender's share of all home loans closed in Millcreek, 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
America First Federal Credit Union 4519 S 1300 E, Millcreek, UT 84117 4125 A5.0 ★Texas Ratio: 8.33%	Conventional, FHA, Jumbo, HELOC	40 +84 HELOCs	4.7%	70.8%	$213,250	View
Mountain America Federal Credit Union 1298 E Murray Holladay Rd, Millcreek, UT 84117 4929 A5.0 ★Texas Ratio: 9.78%	Conventional, Jumbo, HELOC	37 +52 HELOCs	4.4%	62.3%	$272,027	View
Canyon View Credit Union 3450 S Highland Dr, Millcreek, UT 84106 3358 A5.0 ★Texas Ratio: 10.63%	Conventional, Jumbo, HELOC	17 +39 HELOCs	2%	94.4%	$322,058	View
US Bank, N.A. 278 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	13 +5 HELOCs	1.5%	93.3%	$761,923	View
Zions Bancorporation, N.A. 606 E State Rd, American Fork, UT 84003 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	9 +22 HELOCs	1.1%	94.7%	$855,000	View
Granite Federal Credit Union 6799 S 900 E, Midvale, UT 84047 1436 A5.0 ★Texas Ratio: 13.85%	Conventional, HELOC	9 +5 HELOCs	1.1%	100%	$318,333	View
JPMorgan Chase Bank, NA 510 S 200 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	9 +2 HELOCs	1.1%	90%	$753,888	View
Wells Fargo Bank NA 797 W State Rd, American Fork, UT 84003 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	6	0.7%	85.7%	$1,093,333	View
Goldenwest Federal Credit Union 13903 S Redwood Rd, Bluffdale, UT 84065 A+5.0 ★Texas Ratio: 2.69%	Conventional, Jumbo, HELOC	3 +19 HELOCs	0.4%	100%	$638,333	View
Cyprus Federal Credit Union 221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73%	Conventional, Jumbo, HELOC	3 +13 HELOCs	0.4%	50%	$615,000	View
Bank of America NA 496 N 900 W, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	3 +6 HELOCs	0.4%	75%	$818,333	View
Keybank National Association 717 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.81%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.4%	100%	$465,000	View
Ubs Bank USA ★ 5 stars, 1 review 95 S State St, Salt Lake City, UT 84111 A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	3	0.4%	100%	$951,666	View
Bank of Utah 100 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 0.71%	Conventional	3	0.4%	100%	$235,000	View
Utah Power Credit Union 100 W 200 N, Helper, UT 84526 A+5.0 ★Texas Ratio: 0.98%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$405,000	View
Glacier Bank 113 S Main St, Alpine, UT 84004 A+5.0 ★Texas Ratio: 1.87%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$675,000	View
Goldman Sachs Bank USA 11850 S Election Rd, Draper, UT 84020 A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.2%	100%	$1,305,000	View
Utah Community Credit Union 196 N West State Rd, American Fork, UT 84003	Conventional, Jumbo, HELOC	1 +5 HELOCs	0.1%	100%	$2,225,000
Deseret First Credit Union 260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$25,000	View
Umb Bank NA 911 E Fort Union Blvd, Midvale, UT 84047 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$735,000	View
Regions Bank 650 S Main St, Salt Lake City, UT 84101 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo	1	0.1%	100%	$1,485,000	View
NBH Bank 580 N Main St, Fillmore, UT 84631 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	1	0.1%	100%	$2,005,000	View
BMO Harris Bank NA 683 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0.1%	50%	$705,000	View
Central Bank 175 E Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.94%	Conventional	1	0.1%	100%	$255,000	View
Utah First Credit Union 616 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.01%	HELOC	0 +24 HELOCs	0%	n/a		View
Ascent Federal Credit Union 2388 N 400 E, North Ogden, UT 84414 7232	HELOC	0 +1 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%	0%		View
Washington Federal 1207 E Draper Pkwy, Draper, UT 84020 A+5.0 ★Texas Ratio: 4.48%	HELOC	0 +1 HELOCs	0%	n/a		View
Intercap Lending Inc	Conventional, FHA, Jumbo	61	7.2%	100%	$480,409
Direct Rate Home Loans, Inc	Conventional, FHA, VA, Jumbo	8	0.9%	88.9%	$856,250
My Move Mortgage, LLC	Conventional, FHA, Jumbo	8	0.9%	100%	$685,000
RANLife, Inc.	Conventional, Jumbo	7	0.8%	100%	$376,428
Primary Residential Mortgage, INC.	Conventional, FHA	5	0.6%	100%	$445,000
Canopy Mortgage, LLC	Conventional, FHA	5	0.6%	83.3%	$489,000
First Colony Mortgage Corporat	Conventional, FHA	5	0.6%	100%	$263,000
Security Home Mortgage	Conventional	4	0.5%	100%	$420,000
Securitynational Mortgage Company	Conventional, FHA	4	0.5%	66.7%	$340,000
Direct Mortgage Corp	Conventional	3	0.4%	100%	$241,666
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional	1	0.1%	100%	$275,000
Utah Mortgage Loan Corporation	Conventional	1	0.1%	100%	$315,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	153 +3 HELOCs	18%	92.4%	$591,339
Rocket Mortgage	Conventional, FHA, VA, Jumbo	60	7.1%	76.2%	$485,000
Kind Lending, LLC	Conventional, FHA, VA, Jumbo	37	4.4%	69.8%	$534,189
Guild Mortgage Company A-5.0 ★Texas Ratio: 14.58%	Conventional, Jumbo	30	3.5%	97%	$504,333	View
Fairway Independent Mort Corp	Conventional, VA, Jumbo	27	3.2%	100%	$755,740
Provident Funding Associates	Conventional, Jumbo	25	2.9%	100%	$549,400
The Loan Store, Inc	Conventional, Jumbo, HELOC	21 +1 HELOCs	2.5%	100%	$523,095
Pennymac Loan Services LLC	Conventional, Jumbo	15	1.8%	93.8%	$519,666
Better Mortgage Corporation	Conventional, VA, Jumbo, HELOC	10 +2 HELOCs	1.2%	100%	$713,000
Nationstar Mortgage	Conventional	10	1.2%	100%	$217,000
Cmg Mortgage Inc	Conventional, HELOC	7 +2 HELOCs	0.8%	100%	$495,000
loanDepot.com LLC	Conventional, HELOC	7 +1 HELOCs	0.8%	100%	$233,571
AmWest Funding Corp	Conventional, FHA, HELOC	6 +1 HELOCs	0.7%	100%	$468,333
Newrez LLC	Conventional, Jumbo	6	0.7%	66.7%	$521,666
CrossCountry Mortgage, LLC	Conventional, FHA	6	0.7%	100%	$496,666
New American Funding, LLC.	Conventional, Jumbo	6	0.7%	100%	$621,666
Lakeview Loan Servicing, LLC	Conventional, VA	5	0.6%	46.2%	$305,000
Gardner Financial Services	Conventional, Jumbo	5	0.6%	100%	$801,000
Paramount Residential Mortgage	Conventional	5	0.6%	100%	$501,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, Jumbo	5	0.6%	100%	$801,000	View
Guaranteed Rate, Inc.	Conventional, HELOC	4 +1 HELOCs	0.5%	100%	$385,000
Freedom Mortgage Corporation A+5.0 ★Texas Ratio: 1.38%	Conventional, VA	4	0.5%	100%	$487,500	View
Sierra Pacific Mortgage Co. Inc	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$558,333
Spring Eq, LLC	Conventional, HELOC	3 +1 HELOCs	0.4%	30%	$138,333
Genisys Credit Union	Conventional, Jumbo	3	0.4%	100%	$828,333
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	3	0.4%	100%	$1,101,666	View
Sage Home Loans Corporation	Conventional	3	0.4%	100%	$665,000
Union Home Mortgage Corp.	Conventional	3	0.4%	100%	$471,666
American Pacific Mortgage Corporation	Conventional, FHA	3	0.4%	100%	$408,333
Mortgage Research Center	VA	3	0.4%	75%	$361,666
Ark-La-Tex Financial Services LLC	Conventional	3	0.4%	100%	$461,666
Security Service A5.0 ★Texas Ratio: 6.91%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$90,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	2	0.2%	100%	$835,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	2	0.2%	100%	$405,000	View
Primelending	Conventional	2	0.2%	100%	$440,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	2	0.2%	100%	$1,730,000	View
Watermark Capital, Inc.	Conventional	2	0.2%	100%	$595,000
Resicentral LLC	Conventional	2	0.2%	100%	$490,000
Amerisave Mortgage Company	Conventional	2	0.2%	33.3%	$60,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, Jumbo	2	0.2%	100%	$845,000	View
Discover Bank	Conventional	2	0.2%	16.7%	$140,000
Sun West Mortgage Company, Inc A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA	2	0.2%	100%	$490,000	View
Bay Equity LLC	Conventional	2	0.2%	100%	$485,000
Lendsure Mortgage Corp.	Conventional, Jumbo	2	0.2%	100%	$670,000
Nmsi, Inc.	Conventional	2	0.2%	100%	$605,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.2%	100%	$595,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.2%	40%	$105,000	View
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	2	0.2%	100%	$865,000	View
Nexera Holding LLC	Conventional, Jumbo	2	0.2%	100%	$460,000
Mason-McDuffie Mortgage Corporation	Conventional	2	0.2%	100%	$255,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.2%	100%	$910,000	View
JMAC Lending, Inc.	Conventional, Jumbo	2	0.2%	100%	$960,000
Navy Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$155,000
Alliant Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$215,000
Delta Community Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$705,000
Arc Home LLC	Conventional	1	0.1%	100%	$765,000
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$255,000
Fundloans Capital	Conventional	1	0.1%	100%	$225,000
Goodleap, LLC	Conventional	1	0.1%	100%	$355,000
SWBC Mortgage Corporation	Conventional	1	0.1%	100%	$295,000
Equity Prime Mortgage LLC	VA	1	0.1%	100%	$325,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$725,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$455,000	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$2,115,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$555,000	View
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$795,000
American Financing Corporation	Conventional	1	0.1%	33.3%	$55,000
Chevron Federal Credit Union A+5.0 ★Texas Ratio: 2.12%	Conventional	1	0.1%	100%	$285,000
Greenbox Loans	Conventional	1	0.1%	100%	$525,000
Bokf NA A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0.1%	100%	$605,000	View
Stg Mortgage Inc	Conventional	1	0.1%	100%	$255,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	100%	$355,000	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$335,000	View
Planet Home Lending, LLC	FHA	1	0.1%	100%	$565,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$595,000	View
Franklin Loan Corporation	FHA	1	0.1%	100%	$495,000
Direct Mortgage Loans, LLC	Conventional	1	0.1%	100%	$685,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$265,000
Eclipse Bank Inc A+5.0 ★Texas Ratio: 3.43%	Conventional	1	0.1%	100%	$645,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$495,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$425,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	50%	$475,000
Associated Bank NA A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$565,000	View
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$585,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$475,000
ClearEdge Lending LLC	Conventional	1	0.1%	50%	$475,000
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	1	0.1%	100%	$1,465,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0.1%	100%	$565,000
Sutton Bank A+5.0 ★Texas Ratio: 0.03%	Conventional	1	0.1%	100%	$715,000	View
Carrington Mortgage Services LLC	Conventional	1	0.1%	33.3%	$125,000
Plaza Home Mortgage, Inc	FHA	1	0.1%	100%	$555,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$515,000
Village Capital & Investment	VA	1	0.1%	100%	$535,000
Star One Credit Union A5.0 ★Texas Ratio: 10.59%	Conventional	1	0.1%	100%	$615,000	View
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
FedChoice 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
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +1 HELOCs	0%	n/a		View
Angel Oak Mortgage Solutions LLC	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.

Millcreek 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 Millcreek, Utah

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

Types of Mortgage Lenders in Millcreek, UT

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

Mortgage companies and brokers 76 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 45 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 22 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 18 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 13 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 45 lenders. Loans above the conforming limit for higher priced homes Local lenders based in UT 27 lenders headquartered in Utah, the closest thing to a mortgage lender near you

Who Lends in Millcreek, UT

Independent mortgage companies closed 73.5 percent of home loans in Millcreek, Utah in 2025, banks 12 percent and credit unions 14.5 percent. Intercap Lending Inc 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 40 loans.

73.5%

Mortgage companies

12%

Banks

14.5%

Credit unions

FHA loans

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 Millcreek, UT

Who is the largest mortgage lender in Millcreek, UT?

By home loans closed in 2025, America First Federal Credit Union was the largest mortgage lender in Millcreek, Utah with 40 loans, about 4.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Millcreek, Utah, Intercap Lending Inc approved the highest share of completed applications in 2025 at 100 percent, against a 85.6 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.

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

18 lenders closed FHA loans in Millcreek, Utah in 2025, led by United Wholesale Mortgage with 11. 13 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 Millcreek, UT lender list?

Yes. 45 banks and 22 credit unions closed home loans in Millcreek, Utah in 2025, alongside 76 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 Millcreek, UT ranked on this page?

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