The MFP Home Loan Lenders Community Survey gathers Utah’s homeowners feedback and lenders recommendations for home loans. Shopping for a first home loan loan can be complicated and we gathered data to help your selection.
Updated: June 9, 2025
<< Human Powered Recommendations >>
Utah Best Home Loan Lenders
Salt Lake City, West Valley, West Jordan, Provo, St. George, Orem, Sandy, Lehi, Ogden, South Jordan, Online lenders.
Utah Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase mortgage lenders across Utah by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.39 | 4.44 | 4.43 | 86% |
| Community Banks | 4.37 | 4.45 | 4.38 | 86% |
| Banks | 3.85 | 3.97 | 3.89 | 77% |
| Online Lenders | 4.17 | 4.10 | 4.17 | 90% |
Recommendations are gathered from 1,274 local Utahns Users who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Utah Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Utah Homeowners.
Salt Lake City Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Salt Lake City’s area are Medallion Bank, First Community Bank Utah and Canyon View Credit Union.
Medallion Bank (92% Recommend)
- Highest in Recommend % (92%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight strong financial performance and specialized home improvement loan options
First Community Bank Utah (88% Recommend)
- Top-rated in Support & Guidance (4.7) with high Easy Application score (4.5)
- Positive feedback emphasizes personalized service and community-focused approach
Canyon View Credit Union (85% Recommend)
- Balanced high scores across all categories (4.3-4.6) with competitive rates
- Users like award-winning mortgage consultants and streamlined application process
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Medallion Bank | Bank | 4.4 | 4.8 | 4.6 | 92% |
| First Community Bank Utah | Community Bank | 4.5 | 4.6 | 4.7 | 88% |
| Canyon View Credit Union | Credit Union | 4.6 | 4.5 | 4.3 | 85% |
| America First Credit Union | Credit Union | 4.2 | 4.4 | 4.5 | 83% |
| University Credit Union | Credit Union | 4.3 | 4.3 | 4.4 | 82% |
| Zions Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
| Utah First Credit Union | Credit Union | 4.0 | 4.1 | 4.3 | 78% |
| Mountain America Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 77% |
| Bank of Utah | Bank | 3.8 | 4.0 | 4.0 | 75% |
| KeyBank | Bank | 3.7 | 3.9 | 3.9 | 73% |
| Wells Fargo | Bank | 3.6 | 3.8 | 3.8 | 72% |
| Chase Bank | Bank | 3.5 | 3.7 | 3.7 | 70% |
| Bank of America | Bank | 3.4 | 3.6 | 3.6 | 68% |
| U.S. Bank | Bank | 3.3 | 3.5 | 3.5 | 65% |
| Citibank | Bank | 3.2 | 3.4 | 3.4 | 63% |
West ValeyBest Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in West Valley’s area are Mountain America Credit Union, University Credit Union and First Community Bank Utah.
Mountain America Credit Union (89% Recommend)
- Highest in Recommend % (89%) and Loan Terms & Rate Satisfaction (4.7) among top 3
- Homeowners feedback highlight multiple physical branches in West Valley and specialized mortgage services
University Credit Union (86% Recommend)
- Top-rated in Support & Guidance (4.6) with high Easy Application score (4.4)
- Positive feedback emphasizes personalized service and community-focused approach
First Community Bank Utah (84% Recommend)
- Balanced high scores across all categories (4.2-4.5) with competitive rates
- Users like mortgage incentives and local community involvement
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.5 | 4.7 | 4.5 | 89% |
| University Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 86% |
| First Community Bank Utah | Community Bank | 4.3 | 4.5 | 4.2 | 84% |
| America First Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 82% |
| Zions Bank | Bank | 4.0 | 4.2 | 4.1 | 80% |
| Utah First Credit Union | Credit Union | 3.9 | 4.0 | 4.2 | 78% |
| Bank of Utah | Bank | 3.8 | 4.0 | 3.9 | 75% |
| KeyBank | Bank | 3.7 | 3.9 | 3.8 | 73% |
| Wells Fargo | Bank | 3.6 | 3.8 | 3.7 | 72% |
| Chase Bank | Bank | 3.5 | 3.7 | 3.6 | 70% |
West Jordan Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in West Jordan’s area are America First Credit Union, Mountain America Credit Union and University Credit Union.
America First Credit Union (91% Recommend)
- Highest in Recommend % (91%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight competitive mortgage rates and specialized first-time homebuyer programs
Mountain America Credit Union (88% Recommend)
- Top-rated in Support & Guidance (4.7) with high Easy Application score (4.5)
- Positive feedback emphasizes personalized mortgage counseling and local decision-making
University Credit Union (85% Recommend)
- Balanced high scores across all categories (4.3-4.6) with strong rate satisfaction
- Users like transparent loan process and community-focused lending approach
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| America First Credit Union | Credit Union | 4.6 | 4.8 | 4.5 | 91% |
| Mountain America Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 88% |
| University Credit Union | Credit Union | 4.4 | 4.6 | 4.3 | 85% |
| Zions Bank | Bank | 4.2 | 4.3 | 4.2 | 83% |
| First Community Bank Utah | Community Bank | 4.1 | 4.2 | 4.4 | 80% |
| Bank of Utah | Bank | 4.0 | 4.1 | 4.0 | 78% |
| Utah First Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 76% |
| KeyBank | Bank | 3.8 | 3.9 | 3.9 | 74% |
| Wells Fargo | Bank | 3.7 | 3.8 | 3.8 | 72% |
| Chase Bank | Bank | 3.6 | 3.7 | 3.7 | 70% |
Provo Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Provo’s area are UCCU, Mountain America Credit Union and America First Credit Union.
UCCU (93% Recommend)
- Highest in Recommend % (93%) and Loan Terms & Rate Satisfaction (4.9) among top 3
- Homeowners feedback highlight their status as the #1 mortgage provider in the community with competitive rates
Mountain America Credit Union (90% Recommend)
- Top-rated in Support & Guidance (4.7) with high Easy Application score (4.6)
- Positive feedback emphasizes their long-standing reputation and multiple branch locations in Provo
America First Credit Union (88% Recommend)
- Balanced high scores across all categories (4.4-4.6) with strong rate satisfaction
- Users like their wide range of mortgage options and first-time homebuyer programs
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| UCCU | Credit Union | 4.7 | 4.9 | 4.6 | 93% |
| Mountain America Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 90% |
| America First Credit Union | Credit Union | 4.5 | 4.6 | 4.4 | 88% |
| University Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 85% |
| Zions Bank | Bank | 4.1 | 4.2 | 4.2 | 83% |
| Utah First Credit Union | Credit Union | 4.0 | 4.1 | 4.3 | 80% |
| Bank of Utah | Bank | 3.9 | 4.0 | 3.9 | 78% |
| Goldenwest Credit Union | Credit Union | 3.8 | 3.9 | 4.0 | 76% |
| KeyBank | Bank | 3.7 | 3.8 | 3.8 | 74% |
| Wells Fargo | Bank | 3.6 | 3.7 | 3.7 | 72% |
St. George Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in St. George’s area are Mountain America Credit Union, Canyon View Credit Union and Utah First Credit Union.
Mountain America Credit Union (94% Recommend)
- Highest in Recommend % (94%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight their specialized home loan programs and multiple branch locations in St. George
Canyon View Credit Union (91% Recommend)
- Top-rated in Support & Guidance (4.7) with high Easy Application score (4.6)
- Positive feedback emphasizes personalized mortgage counseling and competitive rates
Utah First Credit Union (89% Recommend)
- Balanced high scores across all categories (4.3-4.5) with strong community focus
- Users like their 90+ years of local experience and first-time homebuyer programs
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.7 | 4.8 | 4.6 | 94% |
| Canyon View Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Utah First Credit Union | Credit Union | 4.5 | 4.5 | 4.3 | 89% |
| Goldenwest Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 87% |
| State Bank of Southern Utah | Community Bank | 4.3 | 4.3 | 4.2 | 85% |
| Zions Bank | Bank | 4.1 | 4.2 | 4.1 | 83% |
| America First Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 81% |
| Bank of Utah | Bank | 3.9 | 4.0 | 3.9 | 79% |
| KeyBank | Bank | 3.8 | 3.9 | 3.8 | 77% |
| Wells Fargo | Bank | 3.7 | 3.8 | 3.7 | 75% |
Orem Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Orem’s area are Goldenwest Credit Union, Hillcrest Bank and Alpine Credit Union.
- Highest in Recommend % (95%) and Support & Guidance (4.8) among top 3 lenders.
- Feedback highlight exceptional service, with multiple homeowners praising staff efficiency and helpfulness in account setup and loan processing.
- Strong Loan Terms & Rate Satisfaction (4.6) and Easy Application (4.5), reflecting competitive mortgage offerings.
- Homeowners like the personalized guidance and seamless mortgage lending experiences in verified feedback.
- Top-rated for Easy Application (4.7) and competitive Loan Terms (4.5), with streamlined processes.
- Users emphasize low-rate loan advantages and live teller support via iTMs for convenience.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Goldenwest Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 95% |
| Hillcrest Bank | Bank | 4.5 | 4.6 | 4.5 | 90% |
| Alpine Credit Union | Credit Union | 4.7 | 4.5 | 4.4 | 88% |
| Mountain America Credit Union | Credit Union | 4.4 | 4.4 | 4.3 | 85% |
| Zions Bank | Bank | 4.3 | 4.3 | 4.2 | 82% |
| America First Credit Union | Credit Union | 4.2 | 4.2 | 4.1 | 80% |
| University Federal Credit Union | Credit Union | 4.1 | 4.1 | 4.0 | 78% |
| KeyBank | Bank | 4.0 | 4.0 | 3.9 | 75% |
| Wells Fargo | Bank | 3.9 | 3.9 | 3.8 | 72% |
| Chase Bank | Bank | 3.8 | 3.8 | 3.7 | 70% |
Sandy Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Sandy’s area are Mountain America Credit Union, Utah First Credit Union and Goldenwest Credit Union.
Mountain America Credit Union (95% Recommend)
- Highest in Recommend % (95%) and Loan Terms & Rate Satisfaction (4.9) among top 3
- Homeowners feedback highlight their specialized home loan programs and multiple branch locations in Sandy
Utah First Credit Union (92% Recommend)
- Top-rated in Support & Guidance (4.7) with high Easy Application score (4.6)
- Positive feedback emphasizes their 90+ years of local experience and personalized mortgage counseling
Goldenwest Credit Union (89% Recommend)
- Balanced high scores across all categories (4.3-4.5) with strong community focus
- Users like their competitive rates and convenient Sandy branch location
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.9 | 4.7 | 95% |
| Utah First Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.3 | 89% |
| America First Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 87% |
| University Credit Union | Credit Union | 4.3 | 4.3 | 4.4 | 85% |
| Zions Bank | Bank | 4.1 | 4.2 | 4.1 | 83% |
| Bank of Utah | Bank | 4.0 | 4.1 | 4.0 | 81% |
| KeyBank | Bank | 3.9 | 4.0 | 3.9 | 79% |
| Wells Fargo | Bank | 3.8 | 3.9 | 3.8 | 77% |
| Chase Bank | Bank | 3.7 | 3.8 | 3.7 | 75% |
Lehi Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lehi’s area are Mountain America Credit Union, Canyon View Credit Union and Goldenwest Credit Union.
Mountain America Credit Union (94% Recommend)
- Highest in Recommend % (94%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight multiple branch locations in Lehi and specialized mortgage services
Canyon View Credit Union (91% Recommend)
- Top-rated in Support & Guidance (4.7) with high Easy Application score (4.6)
- Positive feedback emphasizes personalized service and competitive home loan rates
Goldenwest Credit Union (89% Recommend)
- Balanced high scores across all categories (4.3-4.5) with strong community focus
- Users like their friendly staff and streamlined mortgage application process
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.7 | 4.8 | 4.6 | 94% |
| Canyon View Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Goldenwest Credit Union | Credit Union | 4.5 | 4.5 | 4.3 | 89% |
| Utah Community Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 87% |
| First Community Bank Utah | Community Bank | 4.3 | 4.3 | 4.2 | 85% |
| America First Credit Union | Credit Union | 4.2 | 4.2 | 4.3 | 83% |
| Zions Bank | Bank | 4.0 | 4.1 | 4.0 | 81% |
| Bank of Utah | Bank | 3.9 | 4.0 | 3.9 | 79% |
| KeyBank | Bank | 3.8 | 3.9 | 3.8 | 77% |
| Wells Fargo | Bank | 3.7 | 3.8 | 3.7 | 75% |
Ogden Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Ogden’s area are TAB Bank, Goldenwest Credit Union and Mountain America Credit Union.
TAB Bank (95% Recommend)
- Highest in Recommend % (95%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight exceptional Homeowners service with NPS scores in the top 93rd percentile of the banking industry
Goldenwest Credit Union (92% Recommend)
- Top-rated in Support & Guidance (4.7) with high Easy Application score (4.6)
- Positive feedback emphasizes their 90+ years of local experience and community focus
Mountain America Credit Union (89% Recommend)
- Balanced high scores across all categories (4.3-4.5) with strong rate satisfaction
- Users like multiple branch locations in Ogden and specialized mortgage services
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| TAB Bank | Community Bank | 4.7 | 4.8 | 4.6 | 95% |
| Goldenwest Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Mountain America Credit Union | Credit Union | 4.5 | 4.5 | 4.3 | 89% |
| America First Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 87% |
| University Credit Union | Credit Union | 4.3 | 4.3 | 4.4 | 85% |
| Zions Bank | Bank | 4.1 | 4.2 | 4.1 | 83% |
| Bank of Utah | Bank | 4.0 | 4.1 | 4.0 | 81% |
| KeyBank | Bank | 3.9 | 4.0 | 3.9 | 79% |
| Wells Fargo | Bank | 3.8 | 3.9 | 3.8 | 77% |
| Chase Bank | Bank | 3.7 | 3.8 | 3.7 | 75% |
South Jordan Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in South Jordan’s area are Goldenwest Credit Union, Utah First Credit Union and Jordan Credit Union.
Goldenwest Credit Union (94% Recommend)
- Highest in Recommend % (94%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight exceptional service with multiple Users praising their knowledgeable staff and quick loan processing
Utah First Credit Union (91% Recommend)
- Top-rated in Support & Guidance (4.7) with high Easy Application score (4.6)
- Positive feedback emphasizes their 90+ years of local experience and personalized mortgage counseling
Jordan Credit Union (89% Recommend)
- Balanced high scores across all categories (4.3-4.5) with strong community focus
- Users like their low closing costs and the ability to speak with real people without automated systems
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Goldenwest Credit Union | Credit Union | 4.7 | 4.8 | 4.6 | 94% |
| Utah First Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Jordan Credit Union | Credit Union | 4.5 | 4.5 | 4.3 | 89% |
| America First Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 87% |
| Mountain America Credit Union | Credit Union | 4.3 | 4.3 | 4.4 | 85% |
| Zions Bank | Bank | 4.1 | 4.2 | 4.1 | 83% |
| U.S. Bank | Bank | 4.0 | 4.1 | 4.0 | 81% |
| Bank of Utah | Bank | 3.9 | 4.0 | 3.9 | 79% |
| KeyBank | Bank | 3.8 | 3.9 | 3.8 | 77% |
| Wells Fargo | Bank | 3.7 | 3.8 | 3.7 | 75% |
Utah Best Online Home Loan Lenders
MFP’s Digital Lenders Survey: Top online home purchase lenders for Utah residents are Rocket Mortgage, Guaranteed Rate, and Canyon View Credit Union.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100K – $3M | 5.99% – 7.25% | 10/15/20/30 | 5.0 | 4.5 | 4.5 | 98% |
| Guaranteed Rate | $100K – $2.5M | 6.10% – 7.40% | 10/15/20/30 | 4.5 | 4.5 | 4.5 | 96% |
| Canyon View Credit Union | $50K – $1.5M | 5.85% – 7.50% | 10/15/20/30 | 4.5 | 4.5 | 5.0 | 95% |
| New American Funding | $50K – $2M | 6.00% – 7.80% | 15/30 | 4.5 | 4.0 | 4.0 | 94% |
| Guild Mortgage | $75K – $2M | 6.25% – 8.00% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| America First Credit Union | $75K – $1M | 5.95% – 7.60% | 15/20/30 | 4.0 | 4.0 | 4.5 | 92% |
| CrossCountry Mortgage | $100K – $3M | 6.15% – 8.25% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 91% |
| Watermark Home Loans | $100K – $2M | 6.20% – 8.10% | 15/20/30 | 4.0 | 4.0 | 4.0 | 90% |
| First Mortgage Direct | $75K – $1.5M | 6.30% – 8.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
| Lower | $100K – $2M | 6.00% – 8.25% | 15/30 | 4.0 | 4.0 | 4.0 | 88% |
| Homefinity | $100K – $1.5M | 6.40% – 8.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 87% |
| Zions Bank | $100K – $2M | 6.50% – 8.90% | 15/20/30 | 4.0 | 4.0 | 4.0 | 86% |
| Bank of Utah | $100K – $1.5M | 6.30% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 85% |
| Ally Bank | $100K – $1.5M | 6.25% – 8.50% | 15/30 | 4.0 | 4.0 | 4.0 | 84% |
| Better Mortgage | $100K – $3M | 6.40% – 8.90% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 83% |
