Top Mortgage Lenders in Vernal, UT

Which mortgage lender in the Vernal, UT area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Vernal, UT area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Vernal, UT area in terms of interest rate is Mountain America Credit Union, with an average “Rate Difference” of -0.06%. This means that, comparing similar borrowers, Mountain America Credit Union provided a -0.06% lower interest rate for its customers than other lenders in the area. Mountain America Credit Union has a market share of 48.0%. It is the most popular lender in the Vernal, UT area.

Our detailed ranking of mortgage lenders in the Vernal, UT area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Vernal, UT is Intercap Lending. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Mountain America Credit Union. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Mountain America Credit Union. The cheapest VA mortgage provider is also Mountain America Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Vernal, UT

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.06%(4.0)47.98%
Intercap Lending-0.02%(3.5)15.21%
Guild Mortgage Company0.06%(3.0)23.93%
Quicken Loans0.13%(3.0)6.24%
Academy Mortgage Corporation Utah0.18%(2.5)6.63%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.12%(4.0)40.95%
Intercap Lending0.01%(3.5)21.19%
Guild Mortgage Company0.09%(3.0)28.19%
Quicken Loans0.20%(2.5)1.85%
Academy Mortgage Corporation Utah0.24%(2.5)7.82%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.02%(3.5)60.07%
Quicken Loans0.02%(3.5)13.78%
Guild Mortgage Company0.03%(3.5)16.61%
Intercap Lending0.04%(3.5)4.95%
Academy Mortgage Corporation Utah0.09%(3.0)4.59%
Lender NameRate DifferenceRate RatingMarket Share
Intercap Lending-0.24%(4.5)10.56%
Guild Mortgage Company-0.01%(3.5)16.70%
Mountain America Credit Union0.00%(3.5)61.04%
Academy Mortgage Corporation Utah0.20%(2.5)4.99%
Quicken Loans0.21%(2.5)6.72%
Lender NameRate DifferenceRate RatingMarket Share
Intercap Lending-0.18%(4.5)15.88%
Mountain America Credit Union-0.02%(3.5)54.05%
Guild Mortgage Company0.05%(3.0)21.62%
Academy Mortgage Corporation Utah0.30%(2.0)6.42%
Quicken Loans0.36%(1.5)2.03%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.02%(3.5)70.22%
Quicken Loans0.02%(3.5)12.89%
Guild Mortgage Company0.04%(3.5)10.22%
Intercap Lending0.05%(3.5)3.56%
Academy Mortgage Corporation Utah0.10%(3.0)3.11%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.17%(4.5)17.59%
Quicken Loans-0.05%(4.0)4.17%
Guild Mortgage Company0.01%(3.5)38.89%
Intercap Lending0.07%(3.0)27.78%
Academy Mortgage Corporation Utah0.08%(3.0)11.57%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.20%(4.5)18.24%
Quicken Loans-0.05%(3.5)0.59%
Guild Mortgage Company0.02%(3.5)38.24%
Intercap Lending0.07%(3.0)31.76%
Academy Mortgage Corporation Utah0.09%(3.0)11.18%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.05%(4.0)15.22%
Quicken Loans-0.01%(3.5)17.39%
Guild Mortgage Company0.00%(3.5)41.30%
Intercap Lending0.01%(3.5)13.04%
Academy Mortgage Corporation Utah0.05%(3.5)13.04%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.03%(3.5)34.48%
Intercap Lending0.01%(3.5)6.90%
Quicken Loans0.01%(3.5)13.79%
Guild Mortgage Company0.02%(3.5)44.83%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.04%(3.5)33.33%
Intercap Lending0.00%(3.5)11.11%
Quicken Loans0.01%(3.5)11.11%
Guild Mortgage Company0.03%(3.5)44.44%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.01%(3.5)36.36%
Guild Mortgage Company-0.00%(3.5)45.45%
Quicken Loans0.03%(3.5)18.18%

* Data is compiled for the Vernal, UT commuting zone area, which comprises of counties of Duchesne County, UT, and Uintah County, UT. This includes cities/towns/communities of Vernal, UT as well as Roosevelt, UT, Naples, UT, Maeser, UT, Myton, UT, Duchesne, UT, and Ballard, UT. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

This page contains information about the top mortgage lenders in the Vernal, UT area. For mortgage lender rankings in other cities, click here.