Mortgage Lenders and Brokers in Richfield, 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
Richfield, Utah mortgage lenders include State Bank of Southern UtahState Bank of Southern Utah14 S Main St, Richfield, UT 84701A+5.0 ★Texas Ratio: 2.27%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.55 W 100 N, Richfield, UT 84701A+5.0 ★Texas Ratio: 3.72%, Mountain America Federal Credit UnionMountain America Federal Credit Union665 N Main St, Richfield, UT 84701A5.0 ★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%, Deseret First Credit UnionDeseret First Credit Union260 N 500 W, Bountiful, UT 84010 7278A5.0 ★Texas Ratio: 6.76%, Keybank National AssociationKeybank National Association717 W Main St, American Fork, UT 84003A+5.0 ★Texas Ratio: 4.81%, Utah Power Credit UnionUtah Power Credit Union100 W 200 N, Helper, UT 84526A+5.0 ★Texas Ratio: 0.98%, Cyprus Federal Credit UnionCyprus Federal Credit Union221 W Parrish Ln, Centerville, UT 84014A+5.0 ★Texas Ratio: 2.73%, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union13903 S Redwood Rd, Bluffdale, UT 84065A+5.0 ★Texas Ratio: 2.69%, 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 Richfield, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Richfield 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 Richfield, Utah
Market share is the lender's share of all home loans closed in Richfield, 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 Richfield 14 S Main St, Richfield, UT 84701 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 4 +14 HELOCs |
2.3% | 66.7% | $355,000 | View |
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1 office in Richfield 55 W 100 N, Richfield, UT 84701 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 1 +6 HELOCs |
0.6% | 100% | $85,000 | View |
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665 N Main St, Richfield, UT 84701 A5.0 ★Texas Ratio: 9.78% |
Conventional, FHA, VA, HELOC | 28 +26 HELOCs |
16.2% | 65.1% | $125,714 | View |
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611 W Pacific Dr, American Fork, UT 84003 A5.0 ★Texas Ratio: 8.33% |
Conventional, USDA, HELOC | 3 +4 HELOCs |
1.7% | 50% | $151,666 | View |
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260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76% |
Conventional | 2 | 1.2% | 66.7% | $300,000 | View |
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717 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
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100 W 200 N, Helper, UT 84526 A+5.0 ★Texas Ratio: 0.98% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
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221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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13903 S Redwood Rd, Bluffdale, UT 84065 A+5.0 ★Texas Ratio: 2.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Intercap Lending Inc
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Conventional, FHA, VA | 24 | 13.9% | 100% | $208,750 | |
Canopy Mortgage, LLC
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Conventional, VA | 3 | 1.7% | 100% | $338,333 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 1.2% | 100% | $165,000 | |
Securitynational Mortgage Company
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Conventional | 2 | 1.2% | 100% | $75,000 | |
First Colony Mortgage Corporat
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Conventional | 2 | 1.2% | 100% | $395,000 | |
Belem Servicing, LLC dba Patriot Home Mortgage
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Conventional | 1 | 0.6% | 100% | $175,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, Jumbo, HELOC | 46 +2 HELOCs |
26.6% | 94% | $379,347 | |
Rocket Mortgage
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Conventional, FHA, VA | 6 | 3.5% | 100% | $208,333 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 2.9% | 83.3% | $229,000 | |
Residential Wholesale Mortgage
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Conventional, FHA | 3 | 1.7% | 100% | $308,333 | |
Kind Lending, LLC
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Conventional, FHA, VA | 3 | 1.7% | 75% | $508,333 | |
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A-5.0 ★Texas Ratio: 14.58% |
Conventional | 3 | 1.7% | 100% | $268,333 | View |
Premier Mortgage Resources, LLC
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Conventional | 2 | 1.2% | 100% | $435,000 | |
Nationstar Mortgage
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Conventional, VA, Jumbo | 2 | 1.2% | 100% | $440,000 | |
Mortgage Research Center
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VA | 2 | 1.2% | 100% | $315,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.2% | 100% | $235,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.2% | 100% | $205,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 1.2% | 100% | $330,000 | View |
Paramount Residential Mortgage
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Conventional | 2 | 1.2% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 1.2% | 100% | $145,000 | View |
Sun American Mortgage Company
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Conventional | 1 | 0.6% | 50% | $225,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.6% | 100% | $335,000 | |
Primelending
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Newrez LLC
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FHA | 1 | 0.6% | 33.3% | $355,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.6% | 100% | $335,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $325,000 | |
Infinity Equity Group, Inc.
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VA | 1 | 0.6% | 100% | $205,000 | |
Resicentral LLC
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Conventional | 1 | 0.6% | 100% | $805,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 14.3% | $85,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.6% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.6% | 100% | $185,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
VanDyk Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $265,000 | |
Encompass Lending Group, L.P.
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FHA | 1 | 0.6% | 100% | $335,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.6% | 100% | $275,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.6% | 100% | $115,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a |
Richfield 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 Richfield, Utah
Looking for mortgage lenders near me or mortgage brokers near me in Richfield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Richfield in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Richfield, UT
Use these to narrow the list above. Each category shows how many Richfield, UT lenders fit and what that kind of lender is usually best for.
Who Lends in Richfield, UT
Independent mortgage companies closed 73.4 percent of home loans in Richfield, Utah in 2025, banks 6.9 percent and credit unions 19.7 percent. Intercap Lending Inc was the largest mortgage company, State Bank of Southern Utah the largest bank and Mountain America Federal Credit Union the largest credit union. Among lenders headquartered in Utah, State Bank of Southern Utah led with 4 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 Richfield, UT
By home loans closed in 2025, State Bank of Southern Utah was the largest mortgage lender in Richfield, Utah with 4 loans, about 2.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Richfield, Utah in 2025, led by United Wholesale Mortgage with 15. 11 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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. 7 banks and 6 credit unions closed home loans in Richfield, Utah in 2025, alongside 34 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 Richfield, 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 Richfield, 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 Richfield. 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.
