Saratoga Springs, Utah mortgage lenders include US Bank, N.A.US Bank, N.A.689 N Redwood Rd, Saratoga Springs, UT 84045A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1412 N Exchange Dr, Saratoga Springs, UT 84045A+5.0 ★Texas Ratio: 3.68%, Central BankCentral Bank207 E Thrive Drive, Saratoga Springs, UT 84045A+5.0 ★Texas Ratio: 1.94%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.1533 N Redwood Rd, Saratoga Springs, UT 84045A+5.0 ★Texas Ratio: 3.72%, Glacier BankGlacier Bank1543 N Redwood Rd, Saratoga Springs, UT 84045A+5.0 ★Texas Ratio: 1.87%, Bank of America NABank of America NA112 W Pioneer Xing, Saratoga Springs, UT 84045A+5.0 ★Texas Ratio: 4.14%, America First Federal Credit UnionAmerica First Federal Credit Union1420 N Commerce Dr, Saratoga Springs, UT 84045A5.0 ★Texas Ratio: 8.33%, Mountain America Federal Credit UnionMountain America Federal Credit Union25 E Crossroads Blvd, Saratoga Springs, UT 84045 4823A5.0 ★Texas Ratio: 9.78%, Deseret First Credit UnionDeseret First Credit Union260 N 500 W, Bountiful, UT 84010 7278A5.0 ★Texas Ratio: 6.76%, and Cyprus Federal Credit UnionCyprus Federal Credit Union74 W Crossroads Blvd, Saratoga Springs, UT 84045A+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 Saratoga Springs, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Saratoga Springs 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.
Market share is the lender's share of all home loans closed in Saratoga Springs, 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 |
|---|---|---|---|---|---|---|
|
1 office in Saratoga Springs 689 N Redwood Rd, Saratoga Springs, UT 84045 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 8 +3 HELOCs |
0.6% | 88.9% | $355,000 | View |
|
1 office in Saratoga Springs 1412 N Exchange Dr, Saratoga Springs, UT 84045 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.2% | 100% | $471,666 | View |
|
1 office in Saratoga Springs 207 E Thrive Drive, Saratoga Springs, UT 84045 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 3 | 0.2% | 100% | $455,000 | View |
|
1 office in Saratoga Springs 1533 N Redwood Rd, Saratoga Springs, UT 84045 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 2 +7 HELOCs |
0.1% | 100% | $365,000 | View |
|
1 office in Saratoga Springs 1543 N Redwood Rd, Saratoga Springs, UT 84045 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
|
1 office in Saratoga Springs 112 W Pioneer Xing, Saratoga Springs, UT 84045 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +5 HELOCs |
0% | 0% | View | |
|
1420 N Commerce Dr, Saratoga Springs, UT 84045 A5.0 ★Texas Ratio: 8.33% |
Conventional, HELOC | 54 +76 HELOCs |
4% | 75% | $86,111 | View |
|
25 E Crossroads Blvd, Saratoga Springs, UT 84045 4823 A5.0 ★Texas Ratio: 9.78% |
Conventional, VA, HELOC | 32 +60 HELOCs |
2.4% | 58.6% | $210,937 | View |
|
260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76% |
Conventional, Jumbo, HELOC | 13 +5 HELOCs |
1% | 92.9% | $277,307 | View |
|
74 W Crossroads Blvd, Saratoga Springs, UT 84045 A+5.0 ★Texas Ratio: 2.73% |
Conventional, HELOC | 10 +16 HELOCs |
0.7% | 90.9% | $346,000 | View |
Utah Community Credit Union
1364 N Commerce Dr, Saratoga Springs, UT 84045 |
Conventional, HELOC | 5 +55 HELOCs |
0.4% | 83.3% | $317,000 | |
|
13903 S Redwood Rd, Bluffdale, UT 84065 A+5.0 ★Texas Ratio: 2.69% |
Conventional, HELOC | 4 +13 HELOCs |
0.3% | 100% | $312,500 | View |
|
375 E STATE RD, American Fork, UT 84003 2556 A5.0 ★Texas Ratio: 6.38% |
Conventional | 2 | 0.1% | 100% | $135,000 | View |
|
6799 S 900 E, Midvale, UT 84047 1436 A5.0 ★Texas Ratio: 13.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $215,000 | View |
|
683 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 0.1% | 100% | $955,000 | View |
|
100 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 0.71% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
|
911 E Fort Union Blvd, Midvale, UT 84047 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.1% | 100% | $505,000 | View |
|
105 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.1% | 100% | $475,000 | View |
|
616 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.01% |
HELOC | 0 +24 HELOCs |
0% | n/a | View | |
|
213 West Crossroads Blvd, Saratoga Springs, UT 84045 A5.0 ★Texas Ratio: 10.63% |
HELOC | 0 +12 HELOCs |
0% | n/a | View | |
First Colony Mortgage Corporat
|
Conventional, FHA, VA, Jumbo | 174 | 12.8% | 98.9% | $493,908 | |
Intercap Lending Inc
|
Conventional, FHA, VA, Jumbo | 61 | 4.5% | 100% | $426,311 | |
Securitynational Mortgage Company
|
Conventional, FHA, Jumbo | 32 | 2.4% | 94.1% | $364,062 | |
Canopy Mortgage, LLC
|
Conventional, FHA | 17 | 1.2% | 94.4% | $583,823 | |
Security Home Mortgage
|
Conventional, FHA, VA | 13 | 1% | 100% | $501,153 | |
RANLife, Inc.
|
Conventional, FHA, VA | 12 | 0.9% | 100% | $396,666 | |
My Move Mortgage, LLC
|
Conventional, FHA, VA | 10 | 0.7% | 100% | $423,000 | |
Direct Rate Home Loans, Inc
|
Conventional, VA | 4 | 0.3% | 83.3% | $455,000 | |
Primary Residential Mortgage, INC.
|
Conventional | 3 | 0.2% | 100% | $571,666 | |
Veritas Funding, LLC
|
Conventional | 3 | 0.2% | 100% | $468,333 | |
City 1st Mortgage Services, LC
|
VA | 1 | 0.1% | 100% | $685,000 | |
Castle & Cooke Mortgage, LLC
|
FHA | 1 | 0.1% | 100% | $465,000 | |
Utah Mortgage Loan Corporation
|
FHA | 1 | 0.1% | 100% | $605,000 | |
Nest Home Lending, LLC
|
Conventional, FHA, VA | 135 | 9.9% | 99.3% | $415,518 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo, HELOC | 123 +7 HELOCs |
9% | 88.5% | $495,162 | |
Lennar Mortgage, LLC
|
Conventional, FHA, VA | 101 | 7.4% | 96.2% | $507,475 | |
Rocket Mortgage
|
Conventional, FHA, VA, Jumbo | 86 | 6.3% | 86.1% | $420,232 | |
|
A-5.0 ★Texas Ratio: 14.58% |
Conventional, FHA, VA | 60 | 4.4% | 100% | $457,833 | View |
Homeamerican Mortgage Corporation
|
Conventional, VA, Jumbo | 46 | 3.4% | 91.1% | $646,086 | |
Kind Lending, LLC
|
Conventional, FHA, VA | 25 | 1.8% | 83.9% | $495,800 | |
The Loan Store, Inc
|
Conventional, FHA, VA, HELOC | 21 +4 HELOCs |
1.5% | 95.7% | $436,904 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA, HELOC | 19 +2 HELOCs |
1.4% | 95.2% | $473,947 | |
|
A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, VA, Jumbo, HELOC | 13 +2 HELOCs |
1% | 92.9% | $651,923 | View |
Newrez LLC
|
Conventional, FHA, VA, Jumbo | 12 | 0.9% | 75% | $532,500 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 11 | 0.8% | 100% | $423,181 | |
Paramount Residential Mortgage
|
Conventional, FHA | 11 | 0.8% | 100% | $426,818 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA, VA | 11 | 0.8% | 84.6% | $418,636 | View |
Nationstar Mortgage
|
Conventional | 10 | 0.7% | 85.7% | $180,000 | |
loanDepot.com LLC
|
Conventional, VA, Jumbo, HELOC | 9 +2 HELOCs |
0.7% | 62.5% | $462,777 | |
Lakeview Loan Servicing, LLC
|
Conventional, FHA, VA | 9 | 0.7% | 60.9% | $426,111 | |
Provident Funding Associates
|
Conventional | 8 | 0.6% | 80% | $383,750 | |
Mortgage Research Center
|
VA | 8 | 0.6% | 72.7% | $440,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 7 +3 HELOCs |
0.5% | 50% | $79,285 | |
|
A+5.0 ★Texas Ratio: 1.38% |
Conventional, FHA, VA, Jumbo | 7 | 0.5% | 50% | $605,000 | View |
Guaranteed Rate, Inc.
|
Conventional, FHA, VA, Jumbo, HELOC | 6 +1 HELOCs |
0.4% | 75% | $705,000 | |
Toll Brothers Mortgage Company
|
Conventional, Jumbo | 6 | 0.4% | 100% | $715,000 | |
AmWest Funding Corp
|
Conventional, VA, Jumbo | 6 | 0.4% | 100% | $573,333 | |
Union Home Mortgage Corp.
|
Conventional, FHA | 6 | 0.4% | 100% | $448,333 | |
Fairway Independent Mort Corp
|
Conventional, FHA | 6 | 0.4% | 100% | $425,000 | |
American Pacific Mortgage Corporation
|
Conventional, FHA | 5 | 0.4% | 100% | $457,000 | |
|
A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 4 +12 HELOCs |
0.3% | 100% | $162,500 | |
Alameda Mortgage Corporation
|
Conventional, FHA | 4 | 0.3% | 100% | $255,000 | |
New American Funding, LLC.
|
Conventional, FHA | 4 | 0.3% | 80% | $425,000 | |
Lower, LLC
|
Conventional, FHA | 4 | 0.3% | 100% | $370,000 | |
Plaza Home Mortgage, Inc
|
Conventional, VA | 4 | 0.3% | 100% | $462,500 | |
|
★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +3 HELOCs |
0.2% | 60% | $151,666 | View |
Cornerstone First Mortgage, LLC
|
Conventional | 3 | 0.2% | 100% | $365,000 | |
Planet Home Lending, LLC
|
Conventional, FHA | 3 | 0.2% | 100% | $398,333 | |
Gardner Financial Services
|
Conventional, FHA | 3 | 0.2% | 100% | $358,333 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 3 | 0.2% | 100% | $845,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.2% | 50% | $228,333 | View |
Village Capital & Investment
|
VA | 3 | 0.2% | 100% | $531,666 | |
Alliant Credit Union
|
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.1% | 100% | $1,330,000 | |
Better Mortgage Corporation
|
Conventional, HELOC | 2 +1 HELOCs |
0.1% | 50% | $440,000 | |
American Financial Resources LLC
|
FHA, VA | 2 | 0.1% | 100% | $645,000 | |
Sage Home Loans Corporation
|
Conventional | 2 | 0.1% | 66.7% | $500,000 | |
Nbkc Bank
|
Conventional | 2 | 0.1% | 66.7% | $580,000 | |
Equity Prime Mortgage LLC
|
VA | 2 | 0.1% | 100% | $530,000 | |
PHH Mortgage Corporation
|
Conventional | 2 | 0.1% | 100% | $515,000 | |
Filo Mortgage, LLC
|
Conventional | 2 | 0.1% | 100% | $410,000 | |
Resicentral LLC
|
Conventional, FHA | 2 | 0.1% | 100% | $365,000 | |
Cmg Mortgage Inc
|
Conventional, FHA | 2 | 0.1% | 100% | $525,000 | |
Discover Bank
|
Conventional | 2 | 0.1% | 25% | $85,000 | |
American Financing Corporation
|
Conventional | 2 | 0.1% | 66.7% | $185,000 | |
Lendsure Mortgage Corp.
|
Conventional, Jumbo | 2 | 0.1% | 100% | $955,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 2 | 0.1% | 100% | $515,000 | |
Priority Home Mortgage, L.P.
|
Conventional | 2 | 0.1% | 100% | $625,000 | |
ClearEdge Lending LLC
|
Conventional | 2 | 0.1% | 100% | $560,000 | |
Nmsi, Inc.
|
Conventional | 2 | 0.1% | 100% | $560,000 | |
Navy Federal Credit Union
|
Conventional | 2 | 0.1% | 40% | $155,000 | |
Carrington Mortgage Services LLC
|
Conventional, FHA | 2 | 0.1% | 50% | $320,000 | |
JMAC Lending, Inc.
|
Conventional | 2 | 0.1% | 100% | $270,000 | |
Chartway FCU
|
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $425,000 | |
Amerisave Mortgage Company
|
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 33.3% | $55,000 | |
Genisys Credit Union
|
Conventional, Jumbo | 1 | 0.1% | 100% | $835,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.1% | 100% | $355,000 | |
American Airlines Federal Cred
|
Conventional | 1 | 0.1% | 100% | $735,000 | |
Keypoint Credit Union
|
Conventional, Jumbo | 1 | 0.1% | 100% | $875,000 | |
Primelending
|
FHA | 1 | 0.1% | 100% | $575,000 | |
Fundloans Capital
|
Conventional, Jumbo | 1 | 0.1% | 100% | $1,145,000 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional | 1 | 0.1% | 100% | $335,000 | |
|
A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.1% | 100% | $575,000 | View |
MortgageOne, Inc
|
FHA | 1 | 0.1% | 100% | $375,000 | |
|
A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.1% | 100% | $525,000 | View |
HomeXpress Mortgage Corp.
|
Conventional | 1 | 0.1% | 50% | $365,000 | |
|
A+5.0 ★Texas Ratio: 5.17% |
Conventional | 1 | 0.1% | 50% | $365,000 | View |
Royal Pacific Funding
|
Conventional, Jumbo | 1 | 0.1% | 100% | $1,365,000 | |
JMJ Financial Group Inc.
|
VA | 1 | 0.1% | 100% | $545,000 | |
Click n' Close, Inc.
|
Conventional | 1 | 0.1% | 100% | $385,000 | |
Bay Equity LLC
|
VA | 1 | 0.1% | 100% | $725,000 | |
SIRVA Mortgage, Inc.
|
Conventional | 1 | 0.1% | 100% | $415,000 | |
|
A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.1% | 100% | $345,000 | |
Cardinal Financial Company, Li
|
FHA | 1 | 0.1% | 100% | $545,000 | |
Encompass Lending Group, L.P.
|
FHA | 1 | 0.1% | 100% | $405,000 | |
|
A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.1% | 100% | $735,000 | View |
Waterstone Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $715,000 | |
Direct Mortgage Loans, LLC
|
Conventional | 1 | 0.1% | 100% | $305,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
Mission Loans, LLC
|
Conventional | 1 | 0.1% | 100% | $115,000 | |
Tjc Mortgage Inc
|
VA | 1 | 0.1% | 100% | $805,000 | |
Mortgage Solutions of Colorado
|
VA | 1 | 0.1% | 100% | $635,000 | |
|
A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.1% | 100% | $595,000 | View |
Mutual of Omaha Mortgage
|
Conventional | 1 | 0.1% | 100% | $435,000 | |
RBC Bank (Georgia), N.A.
|
Conventional | 1 | 0.1% | 100% | $455,000 | |
Angel Oak Mortgage Solutions LLC
|
Conventional | 1 | 0.1% | 100% | $375,000 | |
Nexera Holding LLC
|
Conventional | 1 | 0.1% | 50% | $275,000 | |
|
A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,005,000 | View |
Champions Funding, LLC
|
Conventional, Jumbo | 1 | 0.1% | 100% | $1,695,000 | |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.1% | 100% | $355,000 | View |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Farmers Insurance Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Daily average mortgage rates for Utah compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Saratoga Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Saratoga Springs in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Saratoga Springs, UT lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 84.3 percent of home loans in Saratoga Springs, Utah in 2025, banks 5.9 percent and credit unions 9.9 percent. First Colony Mortgage Corporat 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, Central Bank led with 3 loans.
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.
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Saratoga Springs, Utah with 8 loans, about 0.6 percent of the market. The largest lender headquartered in Utah was Central Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Saratoga Springs, Utah, Intercap Lending Inc approved the highest share of completed applications in 2025 at 100 percent, against a 88.8 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.
41 lenders closed FHA loans in Saratoga Springs, Utah in 2025, led by Nest Home Lending, LLC with 79. 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.
Yes. 28 banks and 26 credit unions closed home loans in Saratoga Springs, Utah in 2025, alongside 86 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 Saratoga Springs, 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.
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 Saratoga Springs, 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 Saratoga Springs. 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.