Mortgage Lenders and Brokers in Smithfield, 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
Smithfield, Utah mortgage lenders include Cache Valley BankCache Valley Bank10 N Main St, Smithfield, UT 84335A+5.0 ★Texas Ratio: 1.59%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.685 S Main St, Smithfield, UT 84335A+5.0 ★Texas Ratio: 3.72%, Bank of UtahBank of Utah100 S 500 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 0.71%, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union890 S Main st, Smithfield, UT 84335A+5.0 ★Texas Ratio: 2.69%, America First Federal Credit UnionAmerica First Federal Credit Union850 S Main St, Smithfield, UT 84335A5.0 ★Texas Ratio: 8.33%, Mountain America Federal Credit UnionMountain America Federal Credit Union3986 N 15675 W, Altamont, UT 84001A5.0 ★Texas Ratio: 9.78%, Glacier BankGlacier Bank113 S Main St, Alpine, UT 84004A+5.0 ★Texas Ratio: 1.87%, US Bank, N.A.US Bank, N.A.278 S 500 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 2.85%, Deseret First Credit UnionDeseret First Credit Union260 N 500 W, Bountiful, UT 84010 7278A5.0 ★Texas Ratio: 6.76%, and Bank of America NABank of America NA496 N 900 W, American Fork, UT 84003A+5.0 ★Texas Ratio: 4.14%. 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 Smithfield, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Smithfield 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 Smithfield, Utah
Market share is the lender's share of all home loans closed in Smithfield, 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 Smithfield 10 N Main St, Smithfield, UT 84335 A+5.0 ★Texas Ratio: 1.59% |
Conventional, FHA, Jumbo | 11 | 2.8% | 100% | $458,636 | View |
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1 office in Smithfield 685 S Main St, Smithfield, UT 84335 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 1 +5 HELOCs |
0.3% | 100% | $205,000 | View |
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100 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 0.71% |
Conventional, FHA, USDA, Jumbo | 32 | 8.1% | 100% | $369,062 | View |
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890 S Main st, Smithfield, UT 84335 A+5.0 ★Texas Ratio: 2.69% |
Conventional, FHA, VA, HELOC | 24 +51 HELOCs |
6.1% | 100% | $293,750 | View |
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850 S Main St, Smithfield, UT 84335 A5.0 ★Texas Ratio: 8.33% |
Conventional, HELOC | 18 +28 HELOCs |
4.6% | 84% | $135,000 | View |
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3986 N 15675 W, Altamont, UT 84001 A5.0 ★Texas Ratio: 9.78% |
Conventional, FHA, VA, HELOC | 14 +7 HELOCs |
3.6% | 83.3% | $233,571 | View |
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113 S Main St, Alpine, UT 84004 A+5.0 ★Texas Ratio: 1.87% |
Conventional, FHA, USDA, HELOC | 3 +1 HELOCs |
0.8% | 75% | $408,333 | View |
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278 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 25% | $235,000 | View |
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260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 100% | $15,000 | View |
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496 N 900 W, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $495,000 | View |
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6799 S 900 E, Midvale, UT 84047 1436 A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
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797 W State Rd, American Fork, UT 84003 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
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683 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.3% | 100% | $795,000 | View |
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616 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.01% |
HELOC | 0 +1 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 | |
First Colony Mortgage Corporat
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Conventional, FHA, USDA | 36 | 9.1% | 100% | $394,722 | |
Intercap Lending Inc
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Conventional, FHA, VA | 9 | 2.3% | 100% | $372,777 | |
Utah Mortgage Loan Corporation
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Conventional | 2 | 0.5% | 100% | $465,000 | |
RANLife, Inc.
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Conventional, Jumbo | 1 | 0.3% | 100% | $845,000 | |
Belem Servicing, LLC dba Patriot Home Mortgage
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VA | 1 | 0.3% | 100% | $305,000 | |
My Move Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $315,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, Jumbo, HELOC | 50 +1 HELOCs |
12.7% | 96.2% | $418,000 | |
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A-5.0 ★Texas Ratio: 14.58% |
Conventional, FHA, VA, USDA | 45 | 11.4% | 100% | $339,222 | View |
Rocket Mortgage
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Conventional, FHA | 23 | 5.8% | 92% | $294,565 | |
Kind Lending, LLC
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Conventional, FHA, VA, USDA | 23 | 5.8% | 92% | $427,173 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, USDA | 11 | 2.8% | 100% | $379,545 | |
Pivot Financial Partners, Inc
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Conventional, FHA, USDA | 8 | 2% | 100% | $351,250 | |
The Loan Store, Inc
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Conventional, FHA | 8 | 2% | 80% | $326,250 | |
Nationstar Mortgage
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Conventional, FHA | 6 | 1.5% | 100% | $181,666 | |
Mortgage Research Center
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VA | 6 | 1.5% | 100% | $433,333 | |
Lower, LLC
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Conventional, FHA | 6 | 1.5% | 85.7% | $411,666 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 6 | 1.5% | 100% | $361,666 | View |
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A+5.0 ★Texas Ratio: 1.38% |
FHA, VA | 4 | 1% | 100% | $407,500 | View |
American Financial Resources LLC
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Conventional, FHA | 3 | 0.8% | 100% | $431,666 | |
Newrez LLC
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Conventional, VA | 3 | 0.8% | 60% | $388,333 | |
Union Home Mortgage Corp.
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Conventional | 3 | 0.8% | 100% | $411,666 | |
New American Funding, LLC.
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FHA, VA | 3 | 0.8% | 100% | $325,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.5% | 66.7% | $60,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.5% | 66.7% | $250,000 | View |
Agwest Farm Credit, Flca
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Conventional, Jumbo | 2 | 0.5% | 100% | $1,260,000 | |
Goodleap, LLC
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $255,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $435,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.3% | 100% | $795,000 | |
Primelending
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Conventional | 1 | 0.3% | 50% | $715,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 100% | $435,000 | |
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D3.3 ★Texas Ratio: 35.11% |
USDA | 1 | 0.3% | 100% | $315,000 | View |
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B4.5 ★Texas Ratio: 21.05% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
Pennymac Loan Services LLC
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VA | 1 | 0.3% | 40% | $425,000 | |
American Financial Network, Inc.
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USDA | 1 | 0.3% | 100% | $325,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 100% | $275,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.3% | 100% | $225,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $205,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $245,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $95,000 | |
American Pacific Mortgage Corporation
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USDA | 1 | 0.3% | 100% | $455,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.3% | 100% | $45,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $135,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 100% | $35,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 33.3% | $365,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Mission Loans, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Northrop Grumman Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Smithfield 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 Smithfield, Utah
Looking for mortgage lenders near me or mortgage brokers near me in Smithfield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Smithfield in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Smithfield, UT
Use these to narrow the list above. Each category shows how many Smithfield, UT lenders fit and what that kind of lender is usually best for.
Who Lends in Smithfield, UT
Independent mortgage companies closed 69.3 percent of home loans in Smithfield, Utah in 2025, banks 16 percent and credit unions 14.7 percent. First Colony Mortgage Corporat was the largest mortgage company, Cache Valley Bank the largest bank and Goldenwest Federal Credit Union the largest credit union. Among lenders headquartered in Utah, Cache Valley Bank led with 11 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 Smithfield, UT
By home loans closed in 2025, Cache Valley Bank was the largest mortgage lender in Smithfield, Utah with 11 loans, about 2.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Smithfield, Utah, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 96.2 percent, against a 93 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.
22 lenders closed FHA loans in Smithfield, Utah in 2025, led by Guild Mortgage Company with 15. 16 lenders closed VA loans, led by Mortgage Research Center, and 11 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. 14 banks and 9 credit unions closed home loans in Smithfield, Utah in 2025, alongside 43 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 Smithfield, 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 Smithfield, 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 Smithfield. 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.
