Areas served: Salt Lake City, UT and surrounding Salt Lake County
Salt Lake City's mortgage market serves a diverse housing landscape ranging from historic Avenues properties to new construction in Daybreak and surrounding communities. Local mortgage brokers navigate both conventional and specialized loan programs, including options for first-time buyers in Utah's competitive market and jumbo loans for higher-priced neighborhoods. The brokers listed here have been evaluated based on their lender network breadth, loan product variety, average closing timelines, and experience with Utah-specific programs.
City Creek Mortgage is a Utah-based mortgage brokerage founded in 1998, specializing in home purchases and refinancing with transparent, competitive rates displayed upfront. They offer conventional, FHA, VA, and jumbo loans with flexible rate lock options, serving first-time homebuyers and experienced borrowers alike. Known for their Rate Watch program that monitors refinancing opportunities and their commitment to saving clients money through clear fee structures and personalized guidance.
Houzd Mortgage is a full-service mortgage lender based in Draper, UT, specializing in home purchase loans, refinancing, and pre-approvals for Utah homebuyers. Led by experienced mortgage experts, they offer customized financing solutions tailored to individual financial situations, with a focus on education, transparency, and personalized guidance throughout the entire mortgage process. Their commitment to smart money decisions and client-first service has earned them strong recognition in the local market.
Summit Home Loans is a mortgage brokerage based in Kaysville, UT, offering a comprehensive range of loan products including conventional, FHA, VA, jumbo, USDA, reverse mortgage, construction, and doctor loans for both purchases and refinancing. Led by experienced loan officers like Ridge, Hunter, and Dillan Lewis, they specialize in fast closings, competitive rates with no origination fees, and personalized service that guides clients through every step of the application and approval process. They serve homebuyers, refinancers, and real estate professionals across Utah with same-day pre-approvals and a commitment to closing loans faster than competitors.
Coventry Mortgage of Utah Inc. is a local mortgage lender based in Kaysville serving borrowers throughout Utah, Wyoming, and Idaho. Led by a team committed to personalized service, they specialize in mortgage origination for both new home purchases and refinancing, with a focus on competitive rates and low fees. Known for building long-term customer relationships and generating most business through referrals, Coventry Mortgage offers diverse loan programs tailored to individual borrower needs.
Loan Remedy is Utah's trusted mortgage broker specializing in home loans, refinancing, and pre-approval services for buyers and homeowners. Founded by Monica and Sergio, the company offers 100% online applications with no fees, fast pre-approval without credit impact, and access to multiple loan products including conventional, FHA, VA, and jumbo options. They serve first-time buyers, experienced homeowners looking to refinance, and real estate agents seeking reliable lending partners.
CFG Home Loans is a Utah-based mortgage company offering home purchase financing and refinancing solutions throughout the state. Led by mortgage expert Alan Blood and his team, they provide customized loan options including cash-out refinancing, rate reductions, and streamlined closing processes. The company specializes in helping clients understand long-term savings and comparing options to find the right loan fit for their situation.
Sharla Jolley Ellis is a Utah-licensed mortgage lender with over 35 years of experience serving Salt Lake City homebuyers and investors. She specializes in conventional, FHA, VA, jumbo, and Utah Housing loans for first-time buyers, move-up buyers, and refinancing clients. Known for personalized service, deep market knowledge, and transparent communication, Sharla also works as a speaker and coach, helping clients navigate the mortgage process with confidence.
TruPath Home Loans is a local mortgage lender in Draper specializing in personalized home financing solutions for Utah homebuyers. The team works with first-time buyers, refinancers, and borrowers with unique credit situations to find the right loan product and competitive rates. They offer a direct, consultative approach focused on simplifying the mortgage process and getting clients to closing efficiently.
Intermountain Mortgage Company is an experienced mortgage broker serving the Park City area since 1992, specializing in helping homebuyers and refinancers navigate the loan process with personalized support and transparent communication. Their skilled team offers purchase loans, refinance options, and debt consolidation services, with a commitment to keeping clients informed at every step. Voted Park City's best mortgage company by The Park Record for 6 consecutive years, they're known for responsive service and making the mortgage process efficient and accessible.
Joe Libin at Latitude Lending is a mortgage broker specializing in Utah's lending market, offering purchase mortgages and refinancing for first-time buyers, families, and homeowners with complex situations. Known for straightforward advice and educational guidance, Joe takes time to explain loan terms, compare options, and ensure clients understand their best path forward. He handles unique scenarios including gift equity situations, private sales, and refinances, with a reputation for beating big bank rates and going above and beyond to advocate for clients' interests.
Citywide Home Loans is a mortgage lender based in Draper serving the greater Salt Lake City area. They specialize in helping borrowers secure financing for home purchases and refinancing, offering personalized loan solutions with a focus on customer service. With a strong local reputation, they work with borrowers of various financial situations to find competitive loan products.
NuKEY Lending is a mortgage lender founded by Maria Graham offering comprehensive home loan products including first-time buyer programs, conventional and FHA/VA loans, investment properties, USDA loans, and refinancing options. They specialize in transparency and client education, treating borrowers as family members throughout the mortgage process. Licensed (NMLS 2167098), they serve the Salt Lake City area with extended hours and personalized service.
KAI Mortgage is an independent mortgage broker serving Utah homebuyers and refinancers with access to dozens of lenders. Founded on putting people over profits, they offer personalized financing solutions including VA loans, FHA loans, jumbo loans, and refinancing options with fast pre-approval and a 14-day average close time. Their education-based approach includes 27+ learning articles and transparent guidance throughout the mortgage process.
Utah Low Rate is a mortgage lending company based in Murray that specializes in helping Utah homebuyers and refinancers secure competitive loan rates. They offer a range of loan products including conventional, FHA, VA, and jumbo loans, with a focus on personalized service and fast pre-approval processes. Their experienced team works to match borrowers with the right loan program to fit their financial situation.
Cinch Home Loans is an independent mortgage brokerage headquartered in Draper, Utah, specializing in low-fee home purchase loans and refinancing with transparent pricing and no hidden fees. As a full-service brokerage, they provide access to wholesale mortgage rates and lenders, allowing them to offer competitive rates without the built-in margins of traditional banks. They serve first-time homebuyers, experienced investors, and borrowers with good credit across Utah, California, Colorado, Florida, and Idaho.
Primary Residential Mortgage, Inc. is a full-service mortgage lender based in Salt Lake City specializing in home loans for buyers and refinancers throughout Utah and beyond. With over 1,500 reviews reflecting strong customer satisfaction, they offer a range of loan products including conventional, FHA, VA, and jumbo loans with competitive rates and personalized service. Their experienced loan officers guide clients through the entire mortgage process, from pre-approval to closing.
Direct Rate Home Loans is an independent mortgage lender serving Utah homebuyers with competitive rates and personalized loan solutions. Founded and operated locally, they specialize in helping first-time buyers, refinancers, and borrowers with FHA, VA, and jumbo loans. Their in-house underwriting and direct access to multiple lending programs enable faster closings and transparent pricing without unnecessary middlemen.
Guild Mortgage Company's Salt Lake City Center branch offers comprehensive home financing solutions for buyers at every stage, from first-time homebuyers to military relocations and high-cost market purchases. Led by Branch Manager Kelle Smart, the team specializes in matching borrowers with the right loan program—including conventional, FHA, VA, USDA, jumbo, renovation, and down payment assistance options. With decades of experience since 1960 and local loan processing and underwriting, Guild provides personalized guidance and responsive support from pre-qualification through closing.
NEO Home Loans is a mortgage lender serving Utah homebuyers with flexible financing options and personalized service. Specializing in conventional, FHA, VA, and jumbo loans, NEO Home Loans works with borrowers at every stage—from first-time buyers to refinancers—offering fast pre-approval and access to multiple loan programs. Their team focuses on transparent pricing and streamlined underwriting to help Utah families secure competitive rates and close on time.
Independent Home Loans, LLC is a mortgage lender in Sandy, Utah specializing in home purchase and refinance loans for first-time buyers, veterans, physicians, and homeowners. Led by experienced loan officers including Cam and Trace, they offer conventional, FHA, VA, USDA, and physician loan programs, along with reverse mortgages and commercial financing. The team emphasizes personalized service, competitive rates, and quick turnaround times—helping clients navigate the home buying process with expert guidance and transparent communication.
Unified Lending, Inc., led by Spencer Stott, is a mortgage lender specializing in home purchase loans and refinancing for Utah homebuyers. They offer personalized guidance on loan programs ranging from 3% down payments to jumbo loans, serving first-time buyers, those with varying credit profiles, and homeowners looking to refinance. Their approach emphasizes transparent advice, early pre-approval, and custom financial planning to simplify the home buying journey.
Utah Mortgage Resource is an independent mortgage lender based in Bountiful serving homebuyers across Utah. They specialize in helping first-time buyers, refinancing homeowners, and borrowers seeking VA, FHA, and jumbo loans with personalized service and competitive rates. Their team focuses on making the mortgage process straightforward and accessible for each client's unique financial situation.
SecurityNational Mortgage Company's Salt Lake City branch offers comprehensive home financing solutions including purchase mortgages, refinancing, reverse mortgages, and specialized loan programs. With a team of over 40 licensed loan officers led by Executive Regional Manager Cristie North, they serve Utah homebuyers and homeowners seeking flexible lending options tailored to various financial situations. The branch provides fast pre-approval, rate lock options from 15-180 days, and guidance through the entire loan process, from pre-qualification to closing.
Utah Mortgage is an independent mortgage lender based in Bountiful offering personalized loan origination and financing solutions for Utah homebuyers. They specialize in conventional, FHA, VA, and jumbo loans with a focus on fast pre-approval processes and competitive rates. The team works directly with borrowers to understand their financial situation and find the right mortgage product for their needs.
Utah Mortgage Loan Corporation is a mortgage lender based in Lehi specializing in a wide range of loan programs including conventional, FHA, VA, and jumbo mortgages. With deep roots in Utah's real estate market, they work with first-time homebuyers and experienced investors alike, offering personalized loan solutions and fast pre-approval processes. Their team focuses on making financing accessible and straightforward for Utah families.
Advanced Funding is a mortgage lender serving the Salt Lake City area, specializing in home loan origination and financing solutions. They work with borrowers to secure competitive mortgage rates and terms tailored to individual financial situations. The company focuses on providing personalized service to help clients navigate the home financing process.
Nicole Harrison is a VP of Mortgage Lending at Guaranteed Rate Affinity, offering comprehensive home loan solutions for borrowers throughout Utah. With expertise in conventional, FHA, VA, and jumbo loans, Nicole helps first-time buyers, refinancers, and experienced homeowners navigate the mortgage process with personalized service and competitive rates. Her team provides fast pre-approval, multiple lender options, and guidance tailored to each client's financial situation.
Matt Stout at E Mortgage Capital is a mortgage loan officer specializing in conventional, FHA, VA, and jumbo loans for homebuyers and refinancing in the Salt Lake City area. With over 220 5-star reviews, Matt is known for personalized service, competitive rates, and helping first-time buyers navigate the mortgage process with clear guidance and fast pre-approval timelines.
Altius Mortgage is an independent mortgage lender based in Draper, Utah, specializing in home loans for first-time buyers, refinancing, investment properties, and jumbo mortgages. Their team of experienced loan officers provides personalized service and access to multiple lending programs, helping borrowers navigate the mortgage process with competitive rates and flexible financing options.
City Creek Mortgage is the top-ranked mortgage broker in Salt Lake City with a Lantern Score of 85.85/100 and 2,847 five-star reviews. Founded in 1998, they specialize in home purchases and refinancing with transparent, competitive rates and serve first-time homebuyers, VA and FHA loan applicants, and those relocating to Utah.
Multiple top-ranked brokers specialize in first-time homebuyers, including Houzd Mortgage (Lantern Score: 85.80), Summit Home Loans (85.69), Loan Remedy (85.48), and CFG Home Loans (85.42). All offer personalized guidance, transparent rate comparisons, and access to FHA, conventional, and other first-time buyer loan programs.
Summit Home Loans (Lantern Score: 85.69) offers the most comprehensive range of specialized products, including conventional, FHA, VA, jumbo, USDA, reverse mortgage, and construction loans. They're specifically noted as best for borrowers needing specialized loan products and also serve real estate professionals seeking competitive client pricing.
City Creek Mortgage (Lantern Score: 85.85), Sharla Jolley Ellis (85.38), TruPath Home Loans (85.38), KAI Mortgage (84.96), and NuKEY Lending (85.02) all specialize in VA loans for military service members. NuKEY Lending specifically highlights Veterans and military families as a core focus with comprehensive VA loan programs.
Refinancing options are widely available through 29 mortgage brokers in Salt Lake City. Houzd Mortgage (Lantern Score: 85.80) and Coventry Mortgage of Utah (85.59) both emphasize personalized refinancing guidance, while Intermountain Mortgage Company (85.38) specializes in helping refinancers and debt consolidation for homeowners seeking lower rates or cash-out options.
Cinch Home Loans (Lantern Score: 84.67) specializes in low-fee home purchase loans and refinancing with transparent pricing and explicitly no hidden fees. City Creek Mortgage (85.85) also displays competitive rates upfront with transparency as a core practice, making both ideal for borrowers prioritizing fee clarity.