Mortgage Lenders and Brokers in Timber Lakes, 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
Timber Lakes, Utah mortgage lenders include Bank of America NABank of America NA496 N 900 W, American Fork, UT 84003A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.278 S 500 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 2.85%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.606 E State Rd, American Fork, UT 84003A+5.0 ★Texas Ratio: 3.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA510 S 200 W, Bountiful, UT 84010A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA797 W State Rd, American Fork, UT 84003A+5.0 ★Texas Ratio: 5.36%, Mountain America Federal Credit UnionMountain America Federal Credit Union3986 N 15675 W, Altamont, UT 84001A5.0 ★Texas Ratio: 9.78%, NBH BankNBH Bank580 N Main St, Fillmore, UT 84631A+5.0 ★Texas Ratio: 2.90%, Ubs Bank USAUbs Bank USA95 S State St, Salt Lake City, UT 84111A+5.0 ★Texas Ratio: 1.21%, America First Federal Credit UnionAmerica First Federal Credit Union611 W Pacific Dr, American Fork, UT 84003A5.0 ★Texas Ratio: 8.33%, 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 Timber Lakes, Utah in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Timber Lakes 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 Timber Lakes, Utah
Market share is the lender's share of all home loans closed in Timber Lakes, 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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496 N 900 W, American Fork, UT 84003 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 20 +2 HELOCs |
5% | 100% | $2,109,500 | View |
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278 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 19 +1 HELOCs |
4.8% | 76.9% | $2,367,105 | View |
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606 E State Rd, American Fork, UT 84003 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 17 +4 HELOCs |
4.3% | 75.9% | $2,555,000 | View |
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510 S 200 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 15 | 3.8% | 93.8% | $2,206,333 | View |
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797 W State Rd, American Fork, UT 84003 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 11 | 2.8% | 91.7% | $1,987,727 | View |
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3986 N 15675 W, Altamont, UT 84001 A5.0 ★Texas Ratio: 9.78% |
Conventional, HELOC | 7 +7 HELOCs |
1.8% | 77.8% | $446,428 | View |
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580 N Main St, Fillmore, UT 84631 A+5.0 ★Texas Ratio: 2.90% |
Conventional, Jumbo | 5 | 1.3% | 83.3% | $1,759,000 | View |
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★ 5 stars, 1 review 95 S State St, Salt Lake City, UT 84111 A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 5 | 1.3% | 100% | $1,281,000 | View |
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611 W Pacific Dr, American Fork, UT 84003 A5.0 ★Texas Ratio: 8.33% |
Conventional, HELOC | 4 +14 HELOCs |
1% | 66.7% | $92,500 | View |
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683 W Antelope Dr, Layton, UT 84041 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 4 | 1% | 80% | $1,760,000 | View |
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11850 S Election Rd, Draper, UT 84020 A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 3 | 0.8% | 100% | $3,305,000 | View |
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616 W Main St, American Fork, UT 84003 A+5.0 ★Texas Ratio: 1.01% |
Conventional, Jumbo | 3 | 0.8% | 100% | $1,355,000 | View |
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100 S 500 W, Bountiful, UT 84010 A+5.0 ★Texas Ratio: 0.71% |
Conventional | 3 | 0.8% | 100% | $601,666 | View |
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13903 S Redwood Rd, Bluffdale, UT 84065 A+5.0 ★Texas Ratio: 2.69% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $165,000 | View |
Utah Community Credit Union
196 N West State Rd, American Fork, UT 84003 |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $105,000 | |
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221 W Parrish Ln, Centerville, UT 84014 A+5.0 ★Texas Ratio: 2.73% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $155,000 | View |
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650 S Main St, Salt Lake City, UT 84101 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.3% | 100% | $855,000 | View |
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6965 S Union Park Ctr, Cottonwood Heights, UT 84047 A4.7 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.3% | 100% | $605,000 | View |
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458 E Main St, Grantsville, UT 84029 9567 A5.0 ★Texas Ratio: 7.55% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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113 S Main St, Alpine, UT 84004 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 1 | 0.3% | 100% | $845,000 | 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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260 N 500 W, Bountiful, UT 84010 7278 A5.0 ★Texas Ratio: 6.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Intercap Lending Inc
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Conventional, VA, Jumbo | 16 | 4% | 100% | $944,375 | |
Securitynational Mortgage Company
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Conventional, Jumbo | 9 | 2.3% | 100% | $758,333 | |
First Colony Mortgage Corporat
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Conventional, Jumbo | 9 | 2.3% | 100% | $827,222 | |
Canopy Mortgage, LLC
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Conventional | 3 | 0.8% | 100% | $698,333 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.3% | 100% | $565,000 | |
RANLife, Inc.
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Conventional | 1 | 0.3% | 100% | $925,000 | |
Veritas Funding, LLC
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Conventional | 1 | 0.3% | 100% | $505,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 33 +3 HELOCs |
8.3% | 94.3% | $1,101,060 | |
Rocket Mortgage
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Conventional, VA, Jumbo | 21 | 5.3% | 88.5% | $613,095 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 16 | 4% | 94.1% | $1,755,625 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 11 | 2.8% | 100% | $1,320,454 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA, Jumbo | 9 | 2.3% | 100% | $699,444 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 9 | 2.3% | 100% | $2,267,222 | View |
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A-5.0 ★Texas Ratio: 14.58% |
Conventional, FHA, Jumbo | 7 | 1.8% | 100% | $776,428 | View |
The Loan Store, Inc
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Conventional | 6 | 1.5% | 100% | $638,333 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 6 | 1.5% | 100% | $1,925,000 | View |
Kind Lending, LLC
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Conventional | 5 | 1.3% | 62.5% | $641,000 | |
Gardner Financial Services
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Conventional, Jumbo | 5 | 1.3% | 100% | $913,000 | |
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A5.0 ★Texas Ratio: 6.91% |
Conventional, Jumbo | 5 | 1.3% | 83.3% | $2,233,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 4 | 1% | 100% | $1,055,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 4 | 1% | 100% | $1,787,500 | View |
Newrez LLC
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Conventional, Jumbo | 4 | 1% | 100% | $997,500 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo | 4 | 1% | 80% | $1,855,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 4 | 1% | 100% | $3,385,000 | View |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 3 +3 HELOCs |
0.8% | 100% | $1,168,333 | View |
loanDepot.com LLC
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Conventional, FHA | 3 | 0.8% | 75% | $708,333 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, Jumbo | 3 | 0.8% | 100% | $865,000 | |
Lennar Mortgage, LLC
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Conventional | 3 | 0.8% | 75% | $345,000 | |
Greenbox Loans
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Conventional, Jumbo | 3 | 0.8% | 100% | $1,678,333 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 3 | 0.8% | 100% | $868,333 | View |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.5% | 100% | $920,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.5% | 66.7% | $190,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 0.5% | 100% | $605,000 | |
AmWest Funding Corp
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Conventional, VA | 2 | 0.5% | 100% | $930,000 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 2 | 0.5% | 100% | $2,175,000 | |
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A+5.0 ★Texas Ratio: 3.24% |
Conventional, Jumbo | 2 | 0.5% | 100% | $2,330,000 | View |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $560,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 0.5% | 100% | $1,980,000 | View |
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A4.7 ★Texas Ratio: 0.83% |
Conventional, Jumbo | 2 | 0.5% | 100% | $1,505,000 | View |
United Nations Federal CU
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Conventional | 2 | 0.5% | 100% | $665,000 | |
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A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 2 | 0.5% | 100% | $2,450,000 | View |
Nexera Holding LLC
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Conventional, Jumbo | 2 | 0.5% | 100% | $970,000 | |
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A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $5,005,000 | View |
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A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 50% | $1,795,000 | View |
Cadence Bank
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Conventional | 1 | 0.3% | 100% | $955,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.3% | 100% | $925,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 0.3% | 100% | $4,455,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,595,000 | View |
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A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.3% | 100% | $1,115,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 0.3% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 1.38% |
Conventional | 1 | 0.3% | 33.3% | $425,000 | View |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $435,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,505,000 | View |
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A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.3% | 100% | $615,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.3% | 50% | $955,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,575,000 | View |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.3% | 100% | $595,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $675,000 | View |
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A+5.0 ★Texas Ratio: 5.08% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,325,000 | View |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $875,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 5.27% |
Conventional, Jumbo | 1 | 0.3% | 100% | $5,015,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, Jumbo | 1 | 0.3% | 100% | $9,505,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 0.3% | 100% | $3,305,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 100% | $405,000 | |
Mortgage Research Center
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VA | 1 | 0.3% | 100% | $685,000 | |
Better Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,655,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $885,000 | |
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A+5.0 ★Texas Ratio: 3.45% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,755,000 | View |
Citadel Servicing Corporation
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Conventional | 1 | 0.3% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.3% | 100% | $875,000 | View |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $1,035,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $805,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.3% | 50% | $505,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.3% | 100% | $535,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,205,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Vista Point Mortgage, LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $755,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 7.48% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Navy Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Timber Lakes 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 Timber Lakes, Utah
Looking for mortgage lenders near me or mortgage brokers near me in Timber Lakes? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Timber Lakes in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Timber Lakes, UT
Use these to narrow the list above. Each category shows how many Timber Lakes, UT lenders fit and what that kind of lender is usually best for.
Who Lends in Timber Lakes, UT
Independent mortgage companies closed 48 percent of home loans in Timber Lakes, Utah in 2025, banks 45.2 percent and credit unions 6.8 percent. Intercap Lending Inc was the largest mortgage company, Bank of America 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 7 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 Timber Lakes, UT
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Timber Lakes, Utah with 20 loans, about 5 percent of the market. The largest lender headquartered in Utah was Mountain America Federal Credit Union with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Timber Lakes, Utah in 2025, led by Fairway Independent Mort Corp with 2. 7 lenders closed VA loans, led by Intercap Lending Inc. 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. 46 banks and 15 credit unions closed home loans in Timber Lakes, Utah in 2025, alongside 48 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 Timber Lakes, 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 Timber Lakes, 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 Timber Lakes. 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.
