If you’re curious who the top mortgage lenders in Utah are, I’ve got some answers.
Last year, more than 450 lenders in The Beehive State originated nearly $25 billion in home loans.
But one mortgage company far exceeded the others, so much so that it wasn’t even close.
Interestingly, this company isn’t headquartered in the state of Utah, nor does it operate retail locations.
I’m talking about United Wholesale Mortgage, or UWM for short. Read on to see who else ranked in the top 10.
Top Mortgage Lenders in Utah (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $3.9 billion |
| 2. | Intercap Lending | $1.4 billion |
| 3. | Rocket Mortgage | $1.2 billion |
| 4. | Guild Mortgage | $1.2 billion |
| 5. | First Colony | $1.1 billion |
| 6. | Century Mortgage | $661 million |
| 7. | Mountain America | $632 million |
| 8. | DHI Mortgage | $594 million |
| 9. | Zions Bank | $578 million |
| 10. | SecurityNational | $524 million |
Yep, a wholesale mortgage lender topped the rankings in the state of Utah, originating about $3.9 billion there in 2024, per HMDA data from Richey May.
As such, we might say that a legion of mortgage brokers is #1, as wholesale lenders rely on these intermediaries to generate all their business.
What’s surprising is the margin above second place Draper, Utah-based Intercap Lending and third place Rocket Mortgage, which funded just $1.2 billion there.
This meant UWM more than doubled the volume of its nearest competitor, and tripled that of the nation’s former top lender.
In fourth was Guild Mortgage, followed by Pleasant Grove, UT-based First Colony, then Century Mortgage Co.
In seventh was fellow Utah based company Mountain America Credit Union, a Sandy-based lender that funded $632 million last year.
Home builder D.R. Horton’s DHI Mortgage took eighth, followed by Salt Lake’s Zions Bank and finally SecurityNational Mortgage Company, also based out of SLC.
All told, five of the top 10 mortgage lenders in Utah are Utah-based companies, which could be some kind of a record for an individual state.
Top Utah Mortgage Lenders (for Home Buyers)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $2.9 billion |
| 2. | Intercap Lending | $1.3 billion |
| 3. | First Colony | $1.1 billion |
| 4. | Guild Mortgage | $1.0 billion |
| 5. | Rocket Mortgage | $745 million |
| 6. | DHI Mortgage | $594 million |
| 7. | Century Mortgage | $534 million |
| 8. | SecurityNational | $481 million |
| 9. | Momentum Loans | $424 million |
| 10. | Mountain America | $375 million |
When we fine-tune the list to only consider home purchase lending, UWM once again tops the list with $2.9 billion funded.
While still mostly blowing away the competition, second place Intercap Lending narrowed the gap some, while First Colony rose to third.
In fourth was Guild Mortgage with $1.0 billion, followed by Rocket Mortgage with $745 million.
The rest of the top 10 included DHI Mortgage, Century Mortgage, SecurityNational, Sandy-based Momentum Loans, and Mountain America.
Once again, Utah-based lenders dominated the list, taking five of the top 10 spots.
This tells me Utahns really prefer to keep it local when obtaining a home loan, especially a home purchase loan.
A lot of big, national brands in there as well after taking into account the local companies.
Top Refinance Lenders in Utah (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $1.0 billion |
| 2. | Rocket Mortgage | $453 million |
| 3. | America First | $196 million |
| 4. | Mountain America | $191 million |
| 5. | Intercap Lending | $178 million |
| 6. | Zions Bank | $151 million |
| 7. | Freedom Mortgage | $143 million |
| 8. | Goldenwest CU | $140 million |
| 9. | Guild Mortgage | $137 million |
| 10. | Century Mortgage | $127 million |
When it came to refinances for existing homeowners, UWM once again took top honors with $1.0 billion funded, a clean sweep of all three categories.
In second was Rocket Mortgage with $453 million, followed by America First with $196 million.
Just one Utah-based company in the top three, which isn’t a big surprise as mortgage refinances are typically rate/price-driven and less about local relationships.
In fourth was Mountain America, followed by Intercap Lending and Zions Bank.
So still quite a few local names on the refinance list despite the Michigan-based big guys taking first and second.
The rest of the best included Freedom Mortgage, Goldenwest CU, Guild Mortgage, and Century Mortgage.
Top Mortgage Lenders in Salt Lake City
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $359 million |
| 2. | Rocket Mortgage | $167 million |
| 3. | Mountain America | $74 million |
| 4. | Intercap Lending | $69 million |
| 5. | America First | $58 million |
| 6. | Century Mortgage | $54 million |
| 7. | Zions Bank | $54 million |
| 8. | Freedom Mortgage | $47 million |
| 9. | Mr. Cooper | $32 million |
| 10. | RanLife Home Loans | $31 million |
Top Mortgage Lenders in Ogden
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $203 million |
| 2. | Rocket Mortgage | $106 million |
| 3. | Goldenwest CU | $80 million |
| 4. | America First | $79 million |
| 5. | Freedom Mortgage | $49 million |
| 6. | Intercap Lending | $35 million |
| 7. | Guild Mortgage | $32 million |
| 8. | Pennymac | $28 million |
| 9. | Lakeview | $27 million |
| 10. | Century Mortgage | $24 million |
Who Are the Best Utah Mortgage Lenders?
Seeing that the top mortgage lender in Utah was a wholesale lender, you’d need to get the ratings of all the individual mortgage brokers to determine their overall likability.
That would prove too difficult and wouldn’t really tell us much as the broker is likely more important than the lender they work.
Second placed-Intercap has a stellar 4.97-star rating on Zillow, while third placed-Rocket has only a good 4.48-star rating.
First Colony also has a 4.97-star rating on Zillow, while SecurityNational Mortgage has a 4.88-star rating.
Mountain America is generally well-liked (America First not as much), though hard to determine if it’s because of their mortgage lending or other banking services. Both are credit unions.
Then there’s Wells Fargo, which we all know has had its share of mortgage-related controversies, yet is still a go-to for many.
Other Utah-based mortgage companies not in the top 10 include SLC’s own Primary Residential Mortgage Inc. with a 4.98-rating, and Sandy’s Citywide Home Loans with a 4.96 rating.
In other words, there are plenty of good options out there, both big and small, some of which are household names and others relative unknowns.
Put in the time to research a handful of companies before making a decision on one.
(photo: Pedro Szekely)
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