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Mortgage Lenders and Brokers in Sandy, Utah

Content reviewed by

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

Sandy, Utah mortgage lenders include Mountain America Federal Credit UnionMountain America Federal Credit Union9640 S State St, Sandy, UT 84070 3208A5.0 ★Texas Ratio: 9.78%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA10620 S State St, Sandy, UT 84070A+5.0 ★Texas Ratio: 3.68%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.2079 E 9400 S, Sandy, UT 84093A+5.0 ★Texas Ratio: 3.72%, US Bank, N.A.US Bank, N.A.10625 S State St, Sandy, UT 84070A+5.0 ★Texas Ratio: 2.85%, Bank of UtahBank of Utah9320 S State St, Sandy, UT 84070A+5.0 ★Texas Ratio: 0.71%, Wells Fargo Bank NAWells Fargo Bank NA10625 S 1300 E, Sandy, UT 84094A+5.0 ★Texas Ratio: 5.36%, Keybank National AssociationKeybank National Association8625 S Highland Dr, Sandy, UT 84093A+5.0 ★Texas Ratio: 4.81%, Jordan Credit UnionJordan Credit Union9260 S 300 E, Sandy, UT 84070A+5.0 ★Texas Ratio: 1.93%, Bank of America NABank of America NA10495 S State St, Sandy, UT 84070A+5.0 ★Texas Ratio: 4.14%, and BMO Harris Bank NABMO Harris Bank NA683 W Antelope Dr, Layton, UT 84041A+5.0 ★Texas Ratio: 3.54%. 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 Sandy, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sandy 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 Sandy, Utah

Market share is the lender's share of all home loans closed in Sandy, 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
Mountain America Federal Credit Union 9640 S State St, Sandy, UT 84070 3208 A5.0 ★Texas Ratio: 9.78%	Conventional, FHA, Jumbo, HELOC	84 +136 HELOCs	5.2%	57.6%	$242,976	View
JPMorgan Chase Bank, NA 2 offices in Sandy 10620 S State St, Sandy, UT 84070 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	12 +2 HELOCs	0.7%	81.2%	$434,166	View
Zions Bancorporation, N.A. 2 offices in Sandy 2079 E 9400 S, Sandy, UT 84093 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	10 +43 HELOCs	0.6%	81.2%	$1,074,000	View
US Bank, N.A. 2 offices in Sandy 10625 S State St, Sandy, UT 84070 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	9 +13 HELOCs	0.6%	69.2%	$448,333	View
Bank of Utah 1 office in Sandy 9320 S State St, Sandy, UT 84070 A+5.0 ★Texas Ratio: 0.71%	Conventional, FHA, Jumbo	9	0.6%	100%	$387,222	View
Wells Fargo Bank NA 2 offices in Sandy 10625 S 1300 E, Sandy, UT 84094 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	5	0.3%	83.3%	$519,000	View
Keybank National Association 1 office in Sandy 8625 S Highland Dr, Sandy, UT 84093 A+5.0 ★Texas Ratio: 4.81%	Conventional, VA, HELOC	4 +1 HELOCs	0.2%	57.1%	$505,000	View
Jordan Credit Union 9260 S 300 E, Sandy, UT 84070 A+5.0 ★Texas Ratio: 1.93%	Conventional	4	0.2%	100%	$295,000	View
Bank of America NA 1 office in Sandy 10495 S State St, Sandy, UT 84070 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	3 +8 HELOCs	0.2%	75%	$1,235,000	View
BMO Harris Bank NA 1 office in Sandy 683 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	75%	$861,666	View
Glacier Bank 1 office in Sandy 855 E 9400 S, Sandy, UT 84094 A+5.0 ★Texas Ratio: 1.87%	HELOC	0 +1 HELOCs	0%	n/a		View
RANLife, Inc.	Conventional, FHA, VA	19	1.2%	100%	$392,894
My Move Mortgage, LLC	Conventional, FHA, VA	14	0.9%	100%	$475,000
Direct Mortgage Corp	Conventional, FHA	3	0.2%	75%	$408,333
America First Federal Credit Union 230 W Towne Ridge Pkwy Ste 300, Sandy, UT 84070 A5.0 ★Texas Ratio: 8.33%	Conventional, VA, Jumbo, HELOC	113 +246 HELOCs	7%	80.1%	$153,141	View
Canyon View Credit Union 2275 E 9400 S, Sandy, UT 84093 3288 A5.0 ★Texas Ratio: 10.63%	Conventional, HELOC	26 +60 HELOCs	1.6%	89.7%	$168,076	View
Cyprus Federal Credit Union 9383 S 700 E, Sandy, UT 84070 A+5.0 ★Texas Ratio: 2.73%	Conventional, FHA, HELOC	16 +34 HELOCs	1%	80%	$231,250	View
Deseret First Credit Union 9325 S Village Shop Dr, Sandy, UT 84094 7719 A5.0 ★Texas Ratio: 6.76%	Conventional, HELOC	11 +17 HELOCs	0.7%	100%	$281,363	View
Granite Federal Credit Union 9383 S 700 E, Sandy, UT 84070 6202 A5.0 ★Texas Ratio: 13.85%	Conventional, HELOC	8 +5 HELOCs	0.5%	88.9%	$275,000	View
Utah Power Credit Union 100 W 200 N, Helper, UT 84526 A+5.0 ★Texas Ratio: 0.98%	Conventional	4	0.2%	100%	$255,000	View
American United FCU 8621 S 700 E, Sandy, UT 84070 A5.0 ★Texas Ratio: 7.55%	Conventional, HELOC	3 +4 HELOCs	0.2%	100%	$118,333	View
Goldenwest Federal Credit Union 7926 S 1300 E, Sandy, UT 84094 0744 A+5.0 ★Texas Ratio: 2.69%	Conventional, HELOC	2 +26 HELOCs	0.1%	50%	$525,000	View
Utah Community Credit Union 10692 S State St, Sandy, UT 84070	Conventional, HELOC	2 +22 HELOCs	0.1%	100%	$535,000
Goldman Sachs Bank USA 11850 S Election Rd, Draper, UT 84020 A+5.0 ★Texas Ratio: 4.32%	Conventional	2	0.1%	100%	$650,000	View
Washington Federal 1207 E Draper Pkwy, Draper, UT 84020 A+5.0 ★Texas Ratio: 4.48%	Conventional	2	0.1%	100%	$750,000	View
Utah First Credit Union 9213 S Quarry Bend Dr, Sandy, UT 84094 A+5.0 ★Texas Ratio: 1.01%	Conventional, HELOC	1 +37 HELOCs	0.1%	100%	$155,000	View
Umb Bank NA 911 E Fort Union Blvd, Midvale, UT 84047 A+5.0 ★Texas Ratio: 1.78%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$935,000	View
MidFirst Bank 10653 S River Front Parkway, South Jordan, UT 84095 A+5.0 ★Texas Ratio: 4.93%	Conventional	1	0.1%	100%	$795,000	View
Banterra Bank 6965 S Union Park Ctr, Cottonwood Heights, UT 84047 A4.7 ★Texas Ratio: 4.32%	Conventional	1	0.1%	100%	$705,000	View
NBH Bank 580 N Main St, Fillmore, UT 84631 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	1	0.1%	100%	$1,085,000	View
Central Bank 175 E Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.94%	Conventional	1	0.1%	100%	$165,000	View
Intercap Lending Inc	Conventional, FHA, VA, Jumbo	88	5.4%	100%	$527,159
Securitynational Mortgage Company	Conventional, FHA, Jumbo	15	0.9%	93.8%	$569,000
First Colony Mortgage Corporat	Conventional, FHA	15	0.9%	93.8%	$516,333
Security Home Mortgage	Conventional, FHA, VA, Jumbo	14	0.9%	100%	$556,428
Direct Rate Home Loans, Inc	Conventional, FHA, VA, Jumbo	14	0.9%	88.9%	$678,571
Primary Residential Mortgage, INC.	Conventional, FHA, VA	9	0.6%	90%	$493,888
Canopy Mortgage, LLC	Conventional, FHA, VA	9	0.6%	100%	$506,111
Castle & Cooke Mortgage, LLC	FHA	1	0.1%	100%	$325,000
Veritas Funding, LLC	Conventional	1	0.1%	100%	$335,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	253 +10 HELOCs	15.6%	93.4%	$619,110
Rocket Mortgage	Conventional, FHA, VA, Jumbo	137	8.4%	88.3%	$380,693
Kind Lending, LLC	Conventional, FHA, VA, Jumbo	62	3.8%	75.3%	$486,612
The Loan Store, Inc	Conventional, FHA, VA, Jumbo, HELOC	53 +3 HELOCs	3.3%	96.7%	$583,301
Guild Mortgage Company A-5.0 ★Texas Ratio: 14.58%	Conventional, FHA, VA, Jumbo	45	2.8%	98%	$491,222	View
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	39	2.4%	100%	$565,256
Provident Funding Associates	Conventional	33	2%	91.7%	$511,666
Nationstar Mortgage	Conventional, VA	31	1.9%	82.5%	$211,129
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	29	1.8%	81.1%	$389,482
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	23 +1 HELOCs	1.4%	96%	$543,260
Freedom Mortgage Corporation A+5.0 ★Texas Ratio: 1.38%	Conventional, FHA, VA	18	1.1%	100%	$484,444	View
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	15 +4 HELOCs	0.9%	84.2%	$319,000
Newrez LLC	Conventional, FHA, VA, Jumbo	15	0.9%	84.2%	$461,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, Jumbo	14	0.9%	100%	$487,142	View
AmWest Funding Corp	Conventional, FHA, VA, Jumbo	13	0.8%	100%	$557,307
Spring Eq, LLC	Conventional, HELOC	12 +3 HELOCs	0.7%	44.4%	$100,833
New American Funding, LLC.	Conventional, FHA, Jumbo, HELOC	12 +2 HELOCs	0.7%	92.3%	$704,166
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	11	0.7%	78.6%	$254,090	View
21St Mortgage	Conventional	9	0.6%	36%	$102,777
JMAC Lending, Inc.	Conventional, FHA	8	0.5%	88.9%	$541,250
Cmg Mortgage Inc	Conventional, FHA, VA, Jumbo, HELOC	7 +2 HELOCs	0.4%	100%	$683,571
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	7 +1 HELOCs	0.4%	100%	$643,571
Better Mortgage Corporation	Conventional, FHA, Jumbo, HELOC	7 +1 HELOCs	0.4%	77.8%	$542,142
Ark-La-Tex Financial Services LLC	Conventional, FHA	7	0.4%	100%	$422,142
Sage Home Loans Corporation	Conventional, Jumbo	6	0.4%	77.8%	$533,333
American Financial Network, Inc.	Conventional, FHA, VA, Jumbo	6	0.4%	100%	$620,000
Gardner Financial Services	Conventional, FHA, Jumbo	6	0.4%	85.7%	$553,333
Mutual of Omaha Mortgage	Conventional, FHA	6	0.4%	85.7%	$408,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	6	0.4%	100%	$1,203,333	View
Carrington Mortgage Services LLC	Conventional, FHA, VA	6	0.4%	66.7%	$176,666
Navy Federal Credit Union	Conventional, VA, HELOC	5 +2 HELOCs	0.3%	55.6%	$491,000
Goodleap, LLC	Conventional	5	0.3%	100%	$177,000
Lakeview Loan Servicing, LLC	Conventional, VA	5	0.3%	41.2%	$561,000
Resicentral LLC	Conventional, FHA, VA, Jumbo	5	0.3%	100%	$755,000
T2 Financial LLC	Conventional	5	0.3%	100%	$597,000
American Pacific Mortgage Corporation	Conventional, VA, Jumbo	5	0.3%	71.4%	$785,000
RoundPoint Mortgage Servicing LLC	Conventional	5	0.3%	100%	$377,000
Village Capital & Investment	VA	5	0.3%	87.5%	$463,000
Alliant Credit Union	Conventional, Jumbo, HELOC	4 +12 HELOCs	0.2%	100%	$955,000
MortgageOne, Inc	Conventional, FHA, VA	4	0.2%	100%	$555,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, Jumbo	4	0.2%	100%	$910,000	View
Discover Bank	Conventional	4	0.2%	36.4%	$155,000
VanDyk Mortgage Corporation	Conventional, FHA	4	0.2%	100%	$412,500
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	4	0.2%	100%	$550,000	View
Mortgage Research Center	VA	4	0.2%	100%	$400,000
Nexera Holding LLC	Conventional	4	0.2%	100%	$312,500
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$528,333	View
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$671,666	View
Sun American Mortgage Company	Conventional	3	0.2%	100%	$538,333
American Financial Resources LLC	Conventional, FHA	3	0.2%	100%	$481,666
SWBC Mortgage Corporation	Conventional	3	0.2%	100%	$588,333
Deephaven Mortgage LLC	Conventional	3	0.2%	75%	$271,666
Amerisave Mortgage Company	Conventional	3	0.2%	25%	$98,333
Network Funding, L.P.	Conventional	3	0.2%	75%	$531,666
Generations Home Loans, LLC	Conventional	3	0.2%	100%	$548,333
Lendsure Mortgage Corp.	Conventional, Jumbo	3	0.2%	100%	$971,666
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional	3	0.2%	100%	$298,333	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	3	0.2%	75%	$435,000	View
Paramount Residential Mortgage	Conventional	3	0.2%	75%	$438,333
Security Service A5.0 ★Texas Ratio: 6.91%	Conventional, Jumbo, HELOC	2 +17 HELOCs	0.1%	100%	$1,000,000
Chartway FCU	Conventional, HELOC	2 +7 HELOCs	0.1%	100%	$315,000
Premia Mortgage, LLC	Conventional, Jumbo	2	0.1%	66.7%	$1,170,000
Premier Mortgage Resources, LLC	Conventional	2	0.1%	100%	$395,000
Guaranteed Rate Affinity, LLC	FHA, VA	2	0.1%	100%	$540,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional	2	0.1%	100%	$555,000	View
Nbkc Bank	Conventional	2	0.1%	100%	$575,000
Triad Financial Services, Inc. B4.5 ★Texas Ratio: 21.05%	Conventional	2	0.1%	66.7%	$95,000	View
PHH Mortgage Corporation	Conventional	2	0.1%	66.7%	$485,000
Sun West Mortgage Company, Inc A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.1%	66.7%	$575,000	View
Union Home Mortgage Corp.	Conventional	2	0.1%	100%	$465,000
Bay Equity LLC	Conventional	2	0.1%	100%	$610,000
American Internet Mortgage, Inc.	Conventional	2	0.1%	100%	$300,000
Hometown Equity Mortgage, LLC	Conventional	2	0.1%	28.6%	$190,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.1%	100%	$545,000
Plaza Home Mortgage, Inc	Conventional	2	0.1%	40%	$235,000
Quorum Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$55,000
Chevron Federal Credit Union A+5.0 ★Texas Ratio: 2.12%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$785,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$405,000
Arc Home LLC	Conventional	1	0.1%	100%	$515,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$995,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$395,000
American Airlines Federal Cred	Conventional	1	0.1%	100%	$375,000
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0.1%	100%	$755,000	View
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0.1%	100%	$575,000	View
Primelending	Conventional	1	0.1%	100%	$415,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	100%	$1,005,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	1	0.1%	100%	$915,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$675,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0.1%	100%	$445,000	View
Equity Prime Mortgage LLC	Conventional	1	0.1%	100%	$605,000
Movement Mortgage, LLC	Conventional	1	0.1%	100%	$555,000
United Trust Bank	VA	1	0.1%	100%	$265,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$765,000	View
Clm Mortgage, Inc	Conventional	1	0.1%	100%	$405,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$495,000	View
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$745,000
American Financing Corporation	Conventional	1	0.1%	14.3%	$75,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$545,000
Encompass Lending Group, L.P.	Conventional	1	0.1%	100%	$475,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$565,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	FHA	1	0.1%	100%	$435,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$105,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	1	0.1%	100%	$905,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$575,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	1	0.1%	100%	$1,155,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$365,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.1%	66.7%	$1,345,000
Summit Funding.Inc	Conventional	1	0.1%	50%	$215,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$515,000	View
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$445,000	View
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$615,000
Lower, LLC	Conventional, Jumbo	1	0.1%	100%	$815,000
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	1	0.1%	100%	$885,000	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	1	0.1%	100%	$1,435,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	16.7%	$105,000
Texana Bank	Conventional	1	0.1%	100%	$805,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	100%	$645,000
Champions Funding, LLC	Conventional	1	0.1%	50%	$385,000
Figure Lending LLC	HELOC	0 +14 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
Northrop Grumman Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Kinecta Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Delta Community Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Credit Union of Colorado, A 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.

Sandy 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 Sandy, Utah

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

Types of Mortgage Lenders in Sandy, UT

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

Mortgage companies and brokers 94 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 46 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 29 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 44 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 36 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 51 lenders. Loans above the conforming limit for higher priced homes Local lenders based in UT 26 lenders headquartered in Utah, the closest thing to a mortgage lender near you

Who Lends in Sandy, UT

Independent mortgage companies closed 72.9 percent of home loans in Sandy, Utah in 2025, banks 9.1 percent and credit unions 18 percent. RANLife, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Mountain America Federal Credit Union the largest credit union. Among lenders headquartered in Utah, Mountain America Federal Credit Union led with 84 loans.

72.9%

Mortgage companies

9.1%

Banks

18%

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 Tooele 123 lenders Saratoga Springs 127 lenders Spanish Fork 106 lenders

Frequently Asked Questions About Mortgage Lenders in Sandy, UT

Who is the largest mortgage lender in Sandy, UT?

By home loans closed in 2025, Mountain America Federal Credit Union was the largest mortgage lender in Sandy, Utah with 84 loans, about 5.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Sandy, Utah, Intercap Lending Inc approved the highest share of completed applications in 2025 at 100 percent, against a 83.9 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 Sandy, UT mortgage lenders offer FHA, VA and USDA loans?

44 lenders closed FHA loans in Sandy, Utah in 2025, led by United Wholesale Mortgage with 17. 36 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 Sandy, UT lender list?

Yes. 46 banks and 29 credit unions closed home loans in Sandy, Utah in 2025, alongside 94 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 Sandy, UT ranked on this page?

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