The Lenders Community Survey gathers homeowners feedback and 108 lenders recommendations for Utah home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: May 1, 2025
<< Human Powered Recommendations >>
Utah Top Lenders for Home Refinance Loans
Salt Lake City, West Valley, West Jordan, Provo, St. George, Orem, Sandy, Lehi, Ogden, South Jordan, Online lenders.
Recommendations are gathered from 1,274 local Utahns members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance 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 refinance?
- – 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 Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Salt Lake City’s area are Mountain America Credit Union, America First Credit Union, and Zions Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 96% |
| America First Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 94% |
| Zions Bank | Bank | 4.5 | 4.6 | 4.7 | 92% |
| University Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 90% |
| Utah First Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 88% |
| Goldenwest Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 86% |
| Bank of Utah | Community Bank | 4.1 | 4.2 | 4.3 | 84% |
| First Utah Bank | Community Bank | 4.0 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 3.9 | 4.0 | 4.1 | 80% |
| Wells Fargo | Bank | 3.8 | 3.9 | 4.0 | 78% |
| Liberty Bank | Community Bank | 3.9 | 4.0 | 4.1 | 81% |
| Cache Valley Bank | Community Bank | 3.8 | 4.0 | 4.1 | 80% |
| Altabank | Community Bank | 3.7 | 3.9 | 4.0 | 79% |
| State Bank of Southern Utah | Community Bank | 3.6 | 3.8 | 3.9 | 77% |
| Peoples Utah Bancorp | Community Bank | 3.5 | 3.7 | 3.8 | 75% |
West Valley Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in West Valley’s area are Mountain America Credit Union, America First Credit Union, and University Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 96% |
| America First Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 94% |
| University Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 92% |
| Zions Bank | Bank | 4.4 | 4.5 | 4.6 | 90% |
| Bank of Utah | Community Bank | 4.3 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.2 | 4.3 | 4.4 | 86% |
| Liberty Bank | Community Bank | 4.1 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.0 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 3.9 | 4.0 | 4.1 | 80% |
| Cache Valley Bank | Community Bank | 3.8 | 3.9 | 4.0 | 78% |
West Jordan Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in West Jordan’s area are Mountain America Credit Union, America First Credit Union, and University Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 96% |
| America First Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 94% |
| University Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 92% |
| Zions Bank | Bank | 4.4 | 4.5 | 4.6 | 90% |
| Bank of Utah | Community Bank | 4.3 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.2 | 4.3 | 4.4 | 86% |
| Liberty Bank | Community Bank | 4.1 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.0 | 4.1 | 4.2 | 82% |
| KeyBank | Bank | 3.9 | 4.0 | 4.1 | 80% |
| Cache Valley Bank | Community Bank | 3.8 | 3.9 | 4.0 | 78% |
Provo Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Provo’s area are Mountain America Credit Union, America First Credit Union, and University Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.9 | 4.9 | 97% |
| America First Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| University Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 93% |
| Zions Bank | Bank | 4.5 | 4.6 | 4.6 | 91% |
| Bank of Utah | Community Bank | 4.4 | 4.5 | 4.5 | 89% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.4 | 87% |
| Liberty Bank | Community Bank | 4.2 | 4.3 | 4.3 | 85% |
| Chase Bank | Bank | 4.1 | 4.2 | 4.2 | 83% |
| KeyBank | Bank | 4.0 | 4.1 | 4.1 | 81% |
| Cache Valley Bank | Community Bank | 3.9 | 4.0 | 4.0 | 79% |
St. George Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in St. George’s area are Mountain America Credit Union, America First Credit Union, and State Bank of Southern Utah.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.9 | 4.9 | 97% |
| America First Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| State Bank of Southern Utah | Community Bank | 4.6 | 4.7 | 4.7 | 93% |
| Zions Bank | Bank | 4.5 | 4.6 | 4.6 | 91% |
| Bank of Utah | Community Bank | 4.4 | 4.5 | 4.5 | 89% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.4 | 87% |
| Liberty Bank | Community Bank | 4.2 | 4.3 | 4.3 | 85% |
| Chase Bank | Bank | 4.1 | 4.2 | 4.2 | 83% |
| KeyBank | Bank | 4.0 | 4.1 | 4.1 | 81% |
| Cache Valley Bank | Community Bank | 3.9 | 4.0 | 4.0 | 79% |
Orem Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Orem’s area are Mountain America Credit Union, America First Credit Union, and University Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.9 | 4.9 | 97% |
| America First Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| University Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 93% |
| Zions Bank | Bank | 4.5 | 4.6 | 4.6 | 91% |
| Bank of Utah | Community Bank | 4.4 | 4.5 | 4.5 | 89% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.4 | 87% |
| Liberty Bank | Community Bank | 4.2 | 4.3 | 4.3 | 85% |
| Chase Bank | Bank | 4.1 | 4.2 | 4.2 | 83% |
| KeyBank | Bank | 4.0 | 4.1 | 4.1 | 81% |
| Altabank | Community Bank | 3.9 | 4.0 | 4.0 | 79% |
Sandy Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Sandy’s area are Mountain America Credit Union, America First Credit Union, and Zions Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.9 | 4.9 | 97% |
| America First Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Zions Bank | Bank | 4.6 | 4.7 | 4.7 | 93% |
| U.S. Bank | Bank | 4.5 | 4.6 | 4.6 | 91% |
| Bank of Utah | Community Bank | 4.4 | 4.5 | 4.5 | 89% |
| Liberty Bank | Community Bank | 4.3 | 4.4 | 4.4 | 87% |
| Chase Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
Lehi Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lehi’s area are Mountain America Credit Union, America First Credit Union, and Altabank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.9 | 4.9 | 97% |
| America First Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Altabank | Community Bank | 4.6 | 4.7 | 4.7 | 93% |
| Zions Bank | Bank | 4.5 | 4.6 | 4.6 | 91% |
| Bank of Utah | Community Bank | 4.4 | 4.5 | 4.5 | 89% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.4 | 87% |
| Chase Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
Ogden Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Ogden’s area are Goldenwest Credit Union, Mountain America Credit Union, and Zions Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Goldenwest Credit Union | Credit Union | 4.8 | 4.9 | 4.9 | 97% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Zions Bank | Bank | 4.6 | 4.7 | 4.7 | 93% |
| U.S. Bank | Bank | 4.5 | 4.6 | 4.6 | 91% |
| Bank of Utah | Community Bank | 4.4 | 4.5 | 4.5 | 89% |
| America First Credit Union | Credit Union | 4.3 | 4.4 | 4.4 | 87% |
| Liberty Bank | Community Bank | 4.2 | 4.3 | 4.3 | 85% |
South Jordan Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in South Jordan’s area are Mountain America Credit Union, America First Credit Union, and Zions Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Mountain America Credit Union | Credit Union | 4.8 | 4.9 | 4.9 | 97% |
| America First Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Zions Bank | Bank | 4.6 | 4.7 | 4.7 | 93% |
| Bank of Utah | Community Bank | 4.5 | 4.6 | 4.6 | 91% |
| U.S. Bank | Bank | 4.4 | 4.5 | 4.5 | 89% |
| Liberty Bank | Community Bank | 4.3 | 4.4 | 4.4 | 87% |
| Chase Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
Best Utah Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Utah’s are Rocket Mortgage, America First Credit Union and Better Mortgage.
| Lender (name) | Loan Amounts (range) | APR Range (current market rates) | Loan Terms (years offered) | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % (from 0-100%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50,000 – $3,000,000 | 5.50% – 7.00% | 10, 15, 20, 30 | 5 | 4.5 | 5 | 96% |
| America First Credit Union | $50,000 – $2,000,000 | 5.45% – 6.95% | 15, 20, 30 | 4.5 | 4.5 | 5 | 94% |
| Better Mortgage | $100,000 – $2,500,000 | 5.55% – 7.05% | 15, 20, 30 | 4.5 | 4.5 | 4.5 | 92% |
| Zions Bank | $50,000 – $1,500,000 | 5.60% – 7.10% | 15, 20, 30 | 4.5 | 4 | 4.5 | 90% |
| LoanDepot | $50,000 – $3,000,000 | 5.65% – 7.15% | 10, 15, 20, 25, 30 | 4 | 4 | 4.5 | 88% |
| University Credit Union | $50,000 – $750,000 | 5.55% – 7.05% | 15, 20, 30 | 4 | 4 | 4.5 | 86% |
| SoFi | $100,000 – $2,000,000 | 5.70% – 7.20% | 10, 15, 20, 30 | 4 | 3.5 | 4 | 84% |
| Guaranteed Rate | $50,000 – $2,000,000 | 5.75% – 7.25% | 15, 20, 30 | 3.5 | 4 | 4 | 83% |
| Chase Bank | $50,000 – $2,000,000 | 5.80% – 7.30% | 10, 15, 20, 30 | 3.5 | 3.5 | 3.5 | 82% |
| Mountain America Credit Union | $50,000 – $1,000,000 | 5.60% – 7.10% | 15, 20, 30 | 3.5 | 4 | 4 | 81% |
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