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Home / Mortgage Lenders / Utah / Saratoga Springs
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Mortgage Lenders and Brokers in Saratoga Springs, Utah

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.

Mortgage Lenders and Brokers in Saratoga Springs, Utah

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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
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
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.

Mortgage Lenders and Mortgage Brokers Near Me in Saratoga Springs, Utah

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.

Types of Mortgage Lenders in Saratoga Springs, UT

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.

Who Lends in Saratoga Springs, UT

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.

84.3%
Mortgage companies
5.9%
Banks
9.9%
Credit unions
19%
FHA loans
8%
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

Frequently Asked Questions About Mortgage Lenders in Saratoga Springs, UT

Who is the largest mortgage lender in Saratoga Springs, UT?

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.

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

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.

Which Saratoga Springs, UT mortgage lenders offer FHA, VA and USDA loans?

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.

Are credit unions and local banks included in this Saratoga Springs, UT lender list?

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.

How are mortgage lenders in Saratoga Springs, UT ranked on this page?

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.

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 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.