Home›Utah›Salt Lake County›Refinance
refinance lenders · HMDA 2023–2025

Refinance lenders in Salt Lake County, Utah

Fat Boy Data analyzed mortgage refinance activity in Salt Lake County, Utah to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 16,820 applications were decided by 262 lenders between 2023 and 2025.

Salt Lake County at a glance

262Active lenders65 with 20+ decisions
74.2%Market approval rate12,472 of 16,820 decided
$175KTypical loanmedian lender, $10K brackets
94%Borrower take-up11,740 loans funded

How Salt Lake County compares

Approval rate compared
Salt Lake County74.2%Utah76.8%All 616 counties76.5%
Typical loan compared
Salt Lake County$175KUtah$155KAll 616 counties$295K

What the data shows

AMERICA FIRST Federal Credit Union made the most mortgage refinances in Salt Lake County, UT, 3,080 of them.

That is 26% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.

First Colony Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 61.

The typical mortgage refinance here is $175K, 13% larger than the Utah typical of $155K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 0% approved of 26American Financing Corporation: 24% approved of 51Discover Bank: 34% approved of 305KeyBank National Association: 46% approved of 63Spring Eq, LLC: 47% approved of 119American United Federal Credit Union: 54% approved of 24Lakeview Loan Servicing, LLC: 56% approved of 246Mountain America Federal Credit Union: 57% approved of 4,010Wells Fargo Bank, National Association: 58% approved of 26PNC Bank, National Association: 59% approved of 37Utah First: 60% approved of 168Chartway Federal Credit Union: 61% approved of 138Sierra Pacific Mortgage Company, Inc.: 61% approved of 23Mortgage Research Center, LLC: 62% approved of 34Bank of America, National Association: 62% approved of 87American Pacific Mortgage Corporation: 65% approved of 23Goldenwest: 66% approved of 194Newrez LLC: 66% approved of 110Securitynational Mortgage Company: 71% approved of 65Kind Lending, LLC: 73% approved of 173CYPRUS Federal Credit Union: 74% approved of 31Granite Federal Credit Union: 75% approved of 72Alliant Credit Union: 76% approved of 29Zions Bancorporation, N.A.: 79% approved of 771Canyon View: 79% approved of 295Utah Community Federal Credit Union: 79% approved of 283Planet Home Lending, LLC: 80% approved of 30U.S. Bank National Association: 81% approved of 118AMERICA FIRST Federal Credit Union: 81% approved of 4,005Rocket Mortgage, LLC: 83% approved of 616Guaranteed Rate, Inc.: 84% approved of 37Cmg Mortgage, Inc.: 85% approved of 33Deseret First Credit Union: 85% approved of 34Pennymac Loan Services, LLC: 86% approved of 135Loandepot.Com, LLC: 86% approved of 51Onity Mortgage Corporation: 87% approved of 106Direct Mortgage, Corp.: 87% approved of 23New American Funding, LLC: 87% approved of 31United Wholesale Mortgage, LLC: 88% approved of 1,298Finance of America Reverse LLC: 88% approved of 127Mutual of Omaha Mortgage, Inc.: 90% approved of 115Nationstar Mortgage LLC: 92% approved of 76Village Capital & Investment LLC: 92% approved of 93Sage Home Loans Corporation: 93% approved of 27Ranlife, Inc.: 93% approved of 96Provident Funding Associates, L.P.: 93% approved of 99JPMorgan Chase Bank, National Association: 94% approved of 34Canopy Mortgage, LLC: 94% approved of 34Freedom Mortgage Corporation: 95% approved of 230Traditional Mortgage Acceptance Corporation: 95% approved of 58Fairway Independent Mortgage Corporation: 95% approved of 60Crosscountry Mortgage, LLC: 95% approved of 64Longbridge Financial, LLC: 96% approved of 201The Loan Store, Inc.: 96% approved of 103My Move Mortgage, LLC: 96% approved of 28Security Home Mortgage, LLC: 97% approved of 30Bank of Utah: 98% approved of 44Guild Mortgage Company LLC: 98% approved of 99Intercap Lending Inc.: 98% approved of 261First Colony Mortgage Corporation: 100% approved of 61

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Salt Lake County

LenderApprovalApprovedTaken upTypical loanLoans made
1Mountain America Federal Credit Union57%2,268 / 4,01098%$125K2,228
2AMERICA FIRST Federal Credit Union81%3,232 / 4,00595%$105K3,080
3United Wholesale Mortgage, LLCBroker only88%1,140 / 1,29898%$485K1,119
4Zions Bancorporation, N.A.79%606 / 77179%$295K477
5Rocket Mortgage, LLC83%514 / 61696%$485K493

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 257 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest mortgage refinance lenders in Salt Lake County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • How reachable each lender is

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for Salt Lake County

Mortgage lenders in Salt Lake CountyHome improvement loans in Salt Lake CountyCash-out refinance in Salt Lake CountyInvestment property purchase in Salt Lake CountyInvestment cash-out refinance in Salt Lake CountyInvestment refinance in Salt Lake CountyInvestment home improvement in Salt Lake County

Nearby markets

All lending in Salt Lake CountyCounty overviewRefinance across UtahStatewideDavis CountyNearby countyUtah CountyNearby county