Mortgage Lenders and Brokers in Orem, 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
Orem, Utah mortgage lenders include Bank of UtahBank of Utah980 West 830 North, Orem, UT 84059A+5.0 ★Texas Ratio: 0.71%, Alpine Credit UnionAlpine Credit Union1510 N STATE ST, Orem, UT 84057 2548A5.0 ★Texas Ratio: 6.38%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1115 S 800 E, Orem, UT 84097A+5.0 ★Texas Ratio: 3.68%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.1178 S State St, Orem, UT 84097A+5.0 ★Texas Ratio: 3.72%, Central BankCentral Bank415 N State St, Orem, UT 84057A+5.0 ★Texas Ratio: 1.94%, Keybank National AssociationKeybank National Association185 S State St, Orem, UT 84058A+5.0 ★Texas Ratio: 4.81%, US Bank, N.A.US Bank, N.A.1220 S State St, Orem, UT 84097A+5.0 ★Texas Ratio: 2.85%, Glacier BankGlacier Bank1280 S 800 E, Orem, UT 84097A+5.0 ★Texas Ratio: 1.87%, NBH BankNBH Bank1376 N State St, Orem, UT 84057A+5.0 ★Texas Ratio: 2.90%, and Wells Fargo Bank NAWells Fargo Bank NA77 N State St, Orem, UT 84057A+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 Orem, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Orem 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 Orem, Utah
Market share is the lender's share of all home loans closed in Orem, 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 Orem 980 West 830 North, Orem, UT 84059 A+5.0 ★Texas Ratio: 0.71% |
Conventional, FHA, Jumbo | 12 | 1.1% | 92.3% | $583,333 | View |
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1510 N STATE ST, Orem, UT 84057 2548 A5.0 ★Texas Ratio: 6.38% |
Conventional | 11 | 1% | 100% | $135,909 | View |
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1 office in Orem 1115 S 800 E, Orem, UT 84097 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 8 +3 HELOCs |
0.8% | 80% | $441,250 | View |
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2 offices in Orem 1178 S State St, Orem, UT 84097 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 7 +29 HELOCs |
0.7% | 100% | $533,571 | View |
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1 office in Orem 415 N State St, Orem, UT 84057 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 6 | 0.6% | 100% | $453,333 | View |
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1 office in Orem 185 S State St, Orem, UT 84058 A+5.0 ★Texas Ratio: 4.81% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
0.4% | 66.7% | $730,000 | View |
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1 office in Orem 1220 S State St, Orem, UT 84097 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +1 HELOCs |
0.3% | 100% | $71,666 | View |
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1 office in Orem 1280 S 800 E, Orem, UT 84097 A+5.0 ★Texas Ratio: 1.87% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 33.3% | $285,000 | View |
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1 office in Orem 1376 N State St, Orem, UT 84057 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 1 | 0.1% | 100% | $595,000 | View |
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2 offices in Orem 77 N State St, Orem, UT 84057 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.1% | 33.3% | $75,000 | View |
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1 office in Orem 496 N 900 W, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1356 S Main St, Orem, UT 84058 A5.0 ★Texas Ratio: 8.33% |
Conventional, HELOC | 62 +104 HELOCs |
5.9% | 78.6% | $113,064 | View |
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1340 N State St, Orem, UT 84057 2663 A5.0 ★Texas Ratio: 9.78% |
Conventional, FHA, HELOC | 43 +68 HELOCs |
4.1% | 58.1% | $207,093 | View |
Utah Community Credit Union
311 E 800 S, Orem, UT 84097 |
Conventional, HELOC | 21 +130 HELOCs |
2% | 95.5% | $425,000 | |
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1020 E 800 N, Orem, UT 84097 4314 A+5.0 ★Texas Ratio: 2.69% |
Conventional, HELOC | 4 +14 HELOCs |
0.4% | 85.7% | $252,500 | View |
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337 N State St, Orem, UT 84057 A5.0 ★Texas Ratio: 6.76% |
Conventional, HELOC | 4 +9 HELOCs |
0.4% | 57.1% | $222,500 | View |
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1535 N Main St, Bountiful, UT 84010 5928 A5.0 ★Texas Ratio: 10.63% |
Conventional, HELOC | 3 +4 HELOCs |
0.3% | 100% | $281,666 | View |
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221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73% |
Conventional, Jumbo | 2 | 0.2% | 100% | $640,000 | View |
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10757 South River Front Parkway, South Jordan, UT 84095 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 0.1% | 100% | $565,000 | View |
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100 W 200 N, Helper, UT 84526 A+5.0 ★Texas Ratio: 0.98% |
Conventional | 1 | 0.1% | 100% | $675,000 | 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 | 1 | 0.1% | 100% | $665,000 | View |
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616 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.01% |
HELOC | 0 +22 HELOCs |
0% | n/a | View | |
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6799 S 900 E, Midvale, UT 84047 1436 A5.0 ★Texas Ratio: 13.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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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 | 67 | 6.4% | 100% | $459,925 | |
First Colony Mortgage Corporat
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Conventional, FHA, Jumbo | 35 | 3.3% | 97.3% | $401,571 | |
My Move Mortgage, LLC
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Conventional, FHA, Jumbo | 29 | 2.8% | 100% | $623,620 | |
Security Home Mortgage
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Conventional, FHA, VA | 28 | 2.7% | 100% | $477,500 | |
Securitynational Mortgage Company
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Conventional, FHA, Jumbo | 25 | 2.4% | 96.2% | $405,000 | |
Canopy Mortgage, LLC
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Conventional, FHA, Jumbo | 17 | 1.6% | 100% | $442,058 | |
RANLife, Inc.
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Conventional, FHA | 13 | 1.2% | 92.9% | $245,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 5 | 0.5% | 100% | $285,000 | |
Belem Servicing, LLC dba Patriot Home Mortgage
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Conventional | 3 | 0.3% | 100% | $588,333 | |
Utah Mortgage Loan Corporation
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Conventional | 2 | 0.2% | 100% | $435,000 | |
Veritas Funding, LLC
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Conventional | 2 | 0.2% | 100% | $505,000 | |
Direct Rate Home Loans, Inc
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Conventional | 2 | 0.2% | 100% | $365,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 147 +11 HELOCs |
14% | 84.7% | $511,802 | |
Rocket Mortgage
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Conventional, FHA, VA | 86 | 8.2% | 88% | $320,116 | |
Kind Lending, LLC
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Conventional, FHA, VA, Jumbo | 42 | 4% | 74.6% | $444,523 | |
The Loan Store, Inc
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Conventional, FHA, HELOC | 31 +3 HELOCs |
2.9% | 86.8% | $406,612 | |
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A-5.0 ★Texas Ratio: 14.58% |
Conventional, FHA, VA | 27 | 2.6% | 100% | $415,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 19 | 1.8% | 76% | $377,631 | |
Nationstar Mortgage
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Conventional | 16 | 1.5% | 84.2% | $213,750 | |
Newrez LLC
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Conventional, FHA, VA, Jumbo | 14 | 1.3% | 70% | $463,571 | |
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A+5.0 ★Texas Ratio: 1.38% |
Conventional, FHA, VA | 11 | 1% | 88.2% | $412,272 | View |
AmWest Funding Corp
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Conventional, FHA | 10 | 1% | 100% | $434,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 9 | 0.9% | 100% | $417,222 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 9 | 0.9% | 81.8% | $445,000 | View |
loanDepot.com LLC
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Conventional, FHA, HELOC | 7 +1 HELOCs |
0.7% | 70% | $305,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, Jumbo | 7 | 0.7% | 100% | $606,428 | |
Provident Funding Associates
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Conventional | 7 | 0.7% | 87.5% | $517,857 | |
Paramount Residential Mortgage
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Conventional | 7 | 0.7% | 100% | $387,857 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 6 +1 HELOCs |
0.6% | 100% | $408,333 | |
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B4.5 ★Texas Ratio: 21.05% |
Conventional | 6 | 0.6% | 63.2% | $116,666 | View |
Lower, LLC
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Conventional, FHA | 6 | 0.6% | 100% | $506,666 | |
Fairway Independent Mort Corp
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Conventional | 6 | 0.6% | 100% | $443,333 | |
Spring Eq, LLC
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Conventional, HELOC | 5 +2 HELOCs |
0.5% | 54.5% | $107,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 0.5% | 100% | $287,000 | |
Union Home Mortgage Corp.
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Conventional | 5 | 0.5% | 100% | $473,000 | |
Mortgage Research Center
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Conventional, VA | 5 | 0.5% | 83.3% | $447,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 5 | 0.5% | 83.3% | $99,000 | View |
Cmg Mortgage Inc
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.4% | 100% | $502,500 | |
American Financial Resources LLC
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Conventional, FHA | 4 | 0.4% | 80% | $435,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 4 | 0.4% | 26.7% | $405,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA, Jumbo | 4 | 0.4% | 80% | $672,500 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional | 4 | 0.4% | 100% | $387,500 | |
21St Mortgage
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Conventional | 4 | 0.4% | 50% | $97,500 | |
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A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 3 +16 HELOCs |
0.3% | 100% | $168,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 3 | 0.3% | 100% | $538,333 | View |
Alameda Mortgage Corporation
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Conventional, FHA | 3 | 0.3% | 100% | $365,000 | |
Guaranteed Rate, Inc.
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Conventional | 3 | 0.3% | 75% | $478,333 | |
Primelending
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Conventional, FHA | 3 | 0.3% | 100% | $468,333 | |
Amerisave Mortgage Company
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Conventional | 3 | 0.3% | 37.5% | $95,000 | |
Clm Mortgage, Inc
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Conventional, Jumbo | 3 | 0.3% | 100% | $681,666 | |
Citadel Servicing Corporation
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Conventional | 3 | 0.3% | 100% | $531,666 | |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +3 HELOCs |
0.2% | 100% | $390,000 | View |
Chartway FCU
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Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $515,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.2% | 100% | $220,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.2% | 75% | $500,000 | |
MortgageOne, Inc
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Conventional | 2 | 0.2% | 100% | $405,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 2 | 0.2% | 100% | $275,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 2 | 0.2% | 100% | $475,000 | View |
Filo Mortgage, LLC
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Conventional | 2 | 0.2% | 100% | $465,000 | |
Redwood Residential Acquisition Corporation
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Conventional, Jumbo | 2 | 0.2% | 100% | $1,845,000 | |
Discover Bank
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Conventional | 2 | 0.2% | 40% | $105,000 | |
VanDyk Mortgage Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $485,000 | |
American Financing Corporation
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Conventional, FHA | 2 | 0.2% | 50% | $210,000 | |
Bay Equity LLC
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Conventional | 2 | 0.2% | 100% | $395,000 | |
Gardner Financial Services
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Conventional, FHA | 2 | 0.2% | 100% | $465,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $435,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 2 | 0.2% | 100% | $285,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.2% | 100% | $340,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 2 | 0.2% | 100% | $560,000 | View |
Village Capital & Investment
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VA | 2 | 0.2% | 100% | $495,000 | |
JMAC Lending, Inc.
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Conventional | 2 | 0.2% | 100% | $575,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $145,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $445,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.1% | 50% | $365,000 | |
Sun American Mortgage Company
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.1% | 100% | $415,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
FHA | 1 | 0.1% | 100% | $515,000 | View |
Servion
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Conventional | 1 | 0.1% | 100% | $445,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.1% | 100% | $385,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $465,000 | |
American Financial Network, Inc.
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Conventional, Jumbo | 1 | 0.1% | 50% | $1,015,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.1% | 100% | $415,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.1% | 100% | $425,000 | View |
PFN Lending Group, Inc.
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Conventional | 1 | 0.1% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 5.17% |
FHA | 1 | 0.1% | 100% | $575,000 | View |
Royal Pacific Funding
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Conventional | 1 | 0.1% | 100% | $425,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 100% | $85,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $95,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.1% | 100% | $75,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Generations Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $775,000 | |
Mortgage Management Consultants, Inc.
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Conventional | 1 | 0.1% | 100% | $435,000 | |
Franklin Loan Corporation
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FHA | 1 | 0.1% | 100% | $445,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 1 | 0.1% | 50% | $855,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $545,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
Empeople Credit Union
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Conventional | 1 | 0.1% | 100% | $25,000 | |
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A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo | 1 | 0.1% | 100% | $2,425,000 | View |
City & County Credit Union
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Conventional | 1 | 0.1% | 100% | $445,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.1% | 100% | $395,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
Bank3
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Conventional | 1 | 0.1% | 100% | $805,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $515,000 | View |
Navy Federal Credit Union
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Conventional | 1 | 0.1% | 50% | $255,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,205,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 9.1% | $105,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.1% | 20% | $185,000 | |
Texana Bank
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Conventional | 1 | 0.1% | 100% | $485,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.1% | 50% | $435,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.1% | 100% | $505,000 | View |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $405,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +12 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Credit Union of Colorado, A Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Orem 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 Orem, Utah
Looking for mortgage lenders near me or mortgage brokers near me in Orem? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Orem in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Orem, UT
Use these to narrow the list above. Each category shows how many Orem, UT lenders fit and what that kind of lender is usually best for.
Who Lends in Orem, UT
Independent mortgage companies closed 74.1 percent of home loans in Orem, Utah in 2025, banks 10.6 percent and credit unions 15.3 percent. Intercap Lending Inc was the largest mortgage company, Bank of Utah the largest bank and Alpine Credit Union the largest credit union. Among lenders headquartered in Utah, Bank of Utah led with 12 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 Orem, UT
By home loans closed in 2025, Bank of Utah was the largest mortgage lender in Orem, Utah with 12 loans, about 1.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Orem, Utah, Intercap Lending Inc approved the highest share of completed applications in 2025 at 100 percent, against a 83.8 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.
39 lenders closed FHA loans in Orem, Utah in 2025, led by United Wholesale Mortgage with 36. 16 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. 32 banks and 21 credit unions closed home loans in Orem, Utah in 2025, alongside 90 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 Orem, 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 Orem, 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 Orem. 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.
