Mortgage Lenders and Brokers in Roy, 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
Roy, Utah mortgage lenders include US Bank, N.A.US Bank, N.A.4810 S 1900 W, Roy, UT 84067A+5.0 ★Texas Ratio: 2.85%, Bank of UtahBank of Utah5729 S 1900 W, Roy, UT 84067A+5.0 ★Texas Ratio: 0.71%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.5774 S 1900 W, Roy, UT 84067A+5.0 ★Texas Ratio: 3.72%, Wells Fargo Bank NAWells Fargo Bank NA797 W State Rd, American Fork, UT 84003A+5.0 ★Texas Ratio: 5.36%, America First Federal Credit UnionAmerica First Federal Credit Union3444 W 4800 S, Roy, UT 84067A5.0 ★Texas Ratio: 8.33%, Mountain America Federal Credit UnionMountain America Federal Credit Union3986 N 15675 W, Altamont, UT 84001A5.0 ★Texas Ratio: 9.78%, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union5627 S 2050 W, Roy, UT 84067A+5.0 ★Texas Ratio: 2.69%, Utah Community Credit UnionUtah Community Credit Union196 N West State Rd, American Fork, UT 84003, Wasatch Peaks Federal Credit UnionWasatch Peaks Federal Credit Union1935 W 4800 S, Roy, UT 84067A+5.0 ★Texas Ratio: 0.78%, and Ascent Federal Credit UnionAscent Federal Credit Union5997 S 3500 W, ROY, UT 84067. 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 Roy, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Roy 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 Roy, Utah
Market share is the lender's share of all home loans closed in Roy, 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 Roy 4810 S 1900 W, Roy, UT 84067 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 7 +2 HELOCs |
0.7% | 100% | $386,428 | View |
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1 office in Roy 5729 S 1900 W, Roy, UT 84067 A+5.0 ★Texas Ratio: 0.71% |
Conventional | 4 | 0.4% | 100% | $167,500 | View |
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1 office in Roy 5774 S 1900 W, Roy, UT 84067 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 2 +2 HELOCs |
0.2% | 60% | $355,000 | View |
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1 office in Roy 797 W State Rd, American Fork, UT 84003 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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3444 W 4800 S, Roy, UT 84067 A5.0 ★Texas Ratio: 8.33% |
Conventional, FHA, HELOC | 145 +122 HELOCs |
14.2% | 82.4% | $109,344 | View |
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3986 N 15675 W, Altamont, UT 84001 A5.0 ★Texas Ratio: 9.78% |
Conventional, FHA, HELOC | 39 +20 HELOCs |
3.8% | 72.7% | $149,358 | View |
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5627 S 2050 W, Roy, UT 84067 A+5.0 ★Texas Ratio: 2.69% |
Conventional, FHA, VA, HELOC | 36 +56 HELOCs |
3.5% | 91.3% | $225,555 | View |
Utah Community Credit Union
196 N West State Rd, American Fork, UT 84003 |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $325,000 | |
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1935 W 4800 S, Roy, UT 84067 A+5.0 ★Texas Ratio: 0.78% |
Conventional | 2 | 0.2% | 66.7% | $80,000 | View |
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5997 S 3500 W, ROY, UT 84067 |
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $55,000 | View |
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260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 25% | $55,000 | View |
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510 S 200 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
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113 S Main St, Alpine, UT 84004 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 1 | 0.1% | 50% | $325,000 | View |
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105 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.1% | 100% | $565,000 | View |
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120 E 1000 S, Brigham City, UT 84302 4357 A+5.0 ★Texas Ratio: 1.31% |
Conventional | 1 | 0.1% | 100% | $35,000 | View |
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616 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.01% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73% |
HELOC | 0 +1 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 | |
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683 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Intercap Lending Inc
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Conventional, FHA, VA | 50 | 4.9% | 100% | $358,400 | |
Securitynational Mortgage Company
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Conventional, FHA | 16 | 1.6% | 100% | $245,000 | |
RANLife, Inc.
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Conventional, FHA, VA | 14 | 1.4% | 100% | $353,571 | |
Direct Rate Home Loans, Inc
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Conventional, FHA, VA | 14 | 1.4% | 77.8% | $385,714 | |
First Colony Mortgage Corporat
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Conventional, FHA, VA | 9 | 0.9% | 100% | $330,555 | |
My Move Mortgage, LLC
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Conventional, FHA, VA | 8 | 0.8% | 100% | $336,250 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 0.3% | 100% | $391,666 | |
Canopy Mortgage, LLC
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Conventional, FHA | 3 | 0.3% | 100% | $335,000 | |
Security Home Mortgage
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Conventional, FHA | 3 | 0.3% | 100% | $221,666 | |
Castle & Cooke Mortgage, LLC
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Conventional, FHA | 3 | 0.3% | 100% | $291,666 | |
Direct Mortgage Corp
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FHA | 1 | 0.1% | 100% | $345,000 | |
Utah Mortgage Loan Corporation
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VA | 1 | 0.1% | 100% | $405,000 | |
Veritas Funding, LLC
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FHA | 1 | 0.1% | 100% | $445,000 | |
Horizon Utah Fed Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 124 +3 HELOCs |
12.2% | 91.3% | $388,306 | |
Rocket Mortgage
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Conventional, FHA, VA | 68 | 6.7% | 89.6% | $251,764 | |
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A-5.0 ★Texas Ratio: 14.58% |
Conventional, FHA, VA, Jumbo | 60 | 5.9% | 95.8% | $308,833 | View |
Kind Lending, LLC
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Conventional, FHA, VA | 40 | 3.9% | 82% | $368,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 26 | 2.6% | 92.9% | $206,153 | View |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 21 | 2.1% | 95.5% | $309,761 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 19 | 1.9% | 71.4% | $273,421 | |
Nationstar Mortgage
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Conventional, FHA, VA | 18 | 1.8% | 78.3% | $116,666 | |
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A+5.0 ★Texas Ratio: 1.38% |
Conventional, FHA, VA | 17 | 1.7% | 81.8% | $362,058 | View |
Newrez LLC
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Conventional, FHA, VA | 16 | 1.6% | 88.9% | $350,625 | |
New American Funding, LLC.
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Conventional, FHA, VA | 14 | 1.4% | 93.3% | $309,285 | |
The Loan Store, Inc
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Conventional, FHA, VA, HELOC | 13 +2 HELOCs |
1.3% | 100% | $374,230 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 13 | 1.3% | 86.7% | $338,076 | |
Mortgage Research Center
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VA | 12 | 1.2% | 86.7% | $441,666 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 10 | 1% | 50% | $315,000 | |
Provident Funding Associates
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Conventional | 10 | 1% | 90.9% | $356,000 | |
Village Capital & Investment
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VA | 8 | 0.8% | 90% | $438,750 | |
loanDepot.com LLC
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Conventional, VA | 7 | 0.7% | 58.3% | $146,428 | |
Paramount Residential Mortgage
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Conventional, FHA | 7 | 0.7% | 100% | $252,142 | |
Primelending
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Conventional, FHA, VA | 6 | 0.6% | 90% | $370,000 | |
SWBC Mortgage Corporation
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Conventional, FHA, VA | 6 | 0.6% | 100% | $398,333 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 5 | 0.5% | 100% | $335,000 | |
American Financial Resources LLC
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Conventional, FHA | 5 | 0.5% | 100% | $389,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 5 | 0.5% | 83.3% | $337,000 | |
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B4.5 ★Texas Ratio: 21.05% |
Conventional | 5 | 0.5% | 72.7% | $87,000 | View |
PHH Mortgage Corporation
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Conventional, FHA, VA | 5 | 0.5% | 100% | $383,000 | |
Navy Federal Credit Union
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Conventional, VA | 5 | 0.5% | 83.3% | $313,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 5 | 0.5% | 62.5% | $319,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +3 HELOCs |
0.4% | 57.1% | $82,500 | |
Cmg Mortgage Inc
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.4% | 100% | $360,000 | |
Equity Prime Mortgage LLC
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FHA | 4 | 0.4% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 5.17% |
FHA, VA | 4 | 0.4% | 100% | $422,500 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 4 | 0.4% | 100% | $382,500 | View |
21St Mortgage
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Conventional | 4 | 0.4% | 30.8% | $110,000 | |
Carrington Mortgage Services LLC
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Conventional, VA | 4 | 0.4% | 44.4% | $245,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.3% | 100% | $258,333 | |
Resicentral LLC
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Conventional, FHA | 3 | 0.3% | 100% | $331,666 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA, VA | 3 | 0.3% | 100% | $321,666 | View |
Peoples Mortgage Company
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Conventional, VA | 3 | 0.3% | 100% | $371,666 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.3% | 100% | $421,666 | |
Gardner Financial Services
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Conventional, VA | 3 | 0.3% | 100% | $441,666 | |
JMAC Lending, Inc.
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Conventional, FHA | 3 | 0.3% | 100% | $421,666 | |
Alameda Mortgage Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA, VA | 2 | 0.2% | 100% | $395,000 | View |
Chartway FCU
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Conventional | 2 | 0.2% | 66.7% | $455,000 | |
AmWest Funding Corp
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FHA, VA | 2 | 0.2% | 100% | $430,000 | |
HomeBridge Financial Services, Inc
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FHA, VA | 2 | 0.2% | 100% | $360,000 | |
Network Funding, L.P.
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Conventional, FHA | 2 | 0.2% | 100% | $190,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $395,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 2 | 0.2% | 100% | $375,000 | |
Lower, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $470,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.2% | 100% | $80,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 2 | 0.2% | 100% | $460,000 | |
Amerisave Mortgage Company
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 25% | $75,000 | |
Quorum Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $105,000 | |
Premia Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Goodleap, LLC
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Conventional | 1 | 0.1% | 100% | $265,000 | |
MortgageOne, Inc
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FHA | 1 | 0.1% | 100% | $435,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $425,000 | |
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A5.0 ★Texas Ratio: 13.85% |
VA | 1 | 0.1% | 100% | $435,000 | View |
Clm Mortgage, Inc
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Conventional | 1 | 0.1% | 100% | $515,000 | |
American Financing Corporation
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Conventional | 1 | 0.1% | 25% | $145,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Pivot Financial Partners, Inc
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.1% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.1% | 100% | $385,000 | |
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A5.0 ★Texas Ratio: 9.21% |
VA | 1 | 0.1% | 100% | $285,000 | View |
Service Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $35,000 | |
Greenbox Loans
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Conventional | 1 | 0.1% | 100% | $385,000 | |
Nations Lending Corporation
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FHA | 1 | 0.1% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
Towne Mortgage Company
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FHA | 1 | 0.1% | 100% | $355,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $175,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 11.1% | $65,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Everett Financial, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Geneva Financial LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Roy 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 Roy, Utah
Looking for mortgage lenders near me or mortgage brokers near me in Roy? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Roy in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Roy, UT
Use these to narrow the list above. Each category shows how many Roy, UT lenders fit and what that kind of lender is usually best for.
Who Lends in Roy, UT
Independent mortgage companies closed 70.1 percent of home loans in Roy, Utah in 2025, banks 6.5 percent and credit unions 23.4 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, Bank of 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 Roy, UT
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Roy, Utah with 7 loans, about 0.7 percent of the market. The largest lender headquartered in Utah was Bank of Utah with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Roy, Utah, Intercap Lending Inc approved the highest share of completed applications in 2025 at 100 percent, against a 85.1 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.
58 lenders closed FHA loans in Roy, Utah in 2025, led by United Wholesale Mortgage with 33. 42 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. 20 banks and 18 credit unions closed home loans in Roy, Utah in 2025, alongside 80 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 Roy, 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 Roy, 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 Roy. 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.
