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
167
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
February 3, 2012. 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.
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