The mortgage lenders, brokers, and servicers list no longer includes most mortgage brokers and lenders doing business in Utah. The Utah Division of Real Estate is now the primary regulator of residential first mortgage lenders and brokers. You may wish to check their web site for mortgage lenders and brokers not listed herein.
This list does include the servicers of mortgage loans, and lenders and brokers who are also depository institutions or their affiliates.
There are approximately 180 residential mortgage lenders, brokers, and servicers who have notified the department they are conducting business in Utah.
The "Browse List" link presents an alphabetical listing of those mortgage lenders and servicers as of March 27, 2015. We have also included an option for you to download the complete list in various formats. This list will be updated as needed.
If you desire to conduct mortgage lending, brokering, or servicing activities with Utah consumers, please note. Due to changes in Utah law, most first mortgage brokers and lenders are now under the jurisdiction of the Utah Department of Commerce, Division of Real Estate. Those
still subject to the jurisdiction of Financial Institutions are:
- 1) 2nd Mortgage lenders (see Consumer Lending ).
- 2) 1st Mortgage Servicers.
- 3) Depositories or affiliates thereof engaging in 1st Mortgage Brokering and/or Lending.
If you are subject to first mortgage regulation by the Utah Department of Financial Institutions, click here Notification Form .
Additionally, if you are a loan originator as defined under Utah Code 70D-3-102(12)(a) “an individual who for compensation or in the expectation of compensation: (i) takes a residential mortgage loan application; or (ii) offers or negotiates a term of a residential mortgage loan,” then you must be licensed under the Nationwide Mortgage Licensing System (NMLS). Licensing needs to be completed on or before January 1, 2011. Please click on the NMLS link below to learn more.
To access the Utah code relating to mortgage lending follow the link below to the Utah State Legislature's web site.
To access the Utah code relating to interest on reserve accounts for mortgage loans follow the link below to the Utah State Legislature's web site.