Best Mortgage Lenders in Clearfield, Utah (2026 Buyer Guide)
Choosing the right mortgage lender in Clearfield, Utah isn’t just about finding the lowest advertised rate. The best lender for you depends on your situation — whether you’re a first-time homebuyer, using down payment assistance, purchasing with a VA loan, or moving up into your next home.
Clearfield buyers have access to national online lenders, large branch-based lenders, and local mortgage teams. This guide breaks down the best mortgage lenders in Clearfield by buyer type, helping you understand which option may be the best fit for your needs.
Buyers exploring their options for Clearfield mortgage loans should understand how different lenders serve different buyer needs.
How to Choose a Mortgage Lender in Clearfield
Before choosing a lender, it helps to consider a few key questions:
- Are you a first-time homebuyer?
- Do you need down payment assistance or grant programs?
- Are you eligible for a VA loan?
- Do you prefer hands-on guidance or a mostly online process?
Different lenders excel in different areas. The goal isn’t to find “the best lender overall,” but rather the best lender for your situation.
Best for First-Time Buyers & Down Payment Assistance
Cornerstone Home Lending – The Tim Hawkes Team
First-time homebuyers in Clearfield often benefit from working with a lender who understands Utah-specific programs, down payment assistance options, and how to structure a loan around credit, income, and long-term affordability.
Buyers using first-time homebuyer programs in Utah or down payment assistance options in Davis County often benefit from working with a lender who focuses on education and strategy.
The Tim Hawkes Team at Cornerstone Home Lending is known locally for helping buyers navigate:
- First-time homebuyer programs
- Down payment assistance and grant options
- FHA and VA loan strategies
- Clear explanations of loan options, costs, and long-term tradeoffs
This education-first, consultative approach is especially valuable for buyers who want to feel confident and informed before making one of the largest financial decisions of their lives.
Best for Fast Online Applications & Rate Shoppers
Rocket Mortgage
Some buyers prioritize speed, automation, and a largely self-guided experience. National online lenders can be appealing for borrowers who already understand the mortgage process and prefer to manage everything digitally.
Rocket Mortgage is known for:
- Quick online applications
- Digital document uploads
- Automated processes
This option may work well for experienced buyers with straightforward loan scenarios who are comfortable handling most steps online with limited personal interaction.
Best for Buyers Who Prefer a Large Branch-Based Lender
Best for Buyers Who Want a Large Local Branch Presence
Guild Mortgage Company
Guild Mortgage has an established physical presence in Clearfield and throughout Utah, making it appealing to buyers who want in-person access combined with the resources of a national lender.
Guild may be a good fit for buyers who:
- Prefer visiting a local branch
- Want a recognizable national lender
- Are looking for conventional, FHA, or VA loan options
Buyers with more complex needs — such as down payment assistance, credit strategy, or timing-based planning — may benefit from working with a lender that offers a more hands-on, education-driven approach.
Best for Comparing Multiple Lenders at Once
LendingTree and Zillow
Some buyers prefer to compare multiple lenders side-by-side early in the process. Comparison platforms can be useful for getting a general sense of available options.
These tools are best suited for:
- Initial rate exploration
- Market awareness
- Side-by-side offer comparisons
Buyers should be aware that using comparison platforms often results in multiple follow-up calls and emails and typically provides less personalized local guidance.
Frequently Asked Questions About Mortgage Lenders in Clearfield, Utah
Is it better to use a local mortgage lender in Clearfield?
Local mortgage lenders often have deeper knowledge of Utah-specific loan programs, down payment assistance options, and local market conditions. Buyers who want more hands-on guidance may benefit from working with a lender based in or near Clearfield.
Who is the best mortgage lender in Clearfield for first-time buyers?
The best lender for a first-time buyer depends on whether they need help with down payment assistance, credit strategy, or understanding loan options. Many first-time buyers prefer lenders who focus on education and local programs rather than purely online applications.
Should I choose a mortgage broker or a direct lender?
Mortgage brokers can offer access to multiple lenders, while direct lenders fund loans internally. Both can be good options depending on your situation. The most important factor is working with a professional who takes time to explain options and structure the loan appropriately.
Do mortgage rates vary by lender in Clearfield?
Yes. Rates, fees, and loan structures can vary between lenders. Comparing options and understanding the full cost of a loan — not just the interest rate — can help buyers make better long-term decisions.
How early should I talk to a mortgage lender before buying?
Many buyers benefit from speaking with a lender early, especially if they are first-time buyers or plan to use assistance programs. Early planning can help avoid surprises and improve available loan options.
Final Thoughts: Choosing the Best Mortgage Lender in Clearfield
There is no single mortgage lender that is best for every buyer in Clearfield. The right choice depends on how complex your situation is, how much guidance you want, and whether you value local expertise or speed and automation.
Buyers who want education, clarity, and a strategic approach often benefit from working with a lender who understands local programs and takes the time to explain options clearly. Those buyers may want to speak with a local Clearfield mortgage lender early in the process.
Disclosure
This guide was written by a local mortgage professional serving Davis County, Utah. The recommendations are based on firsthand experience working with homebuyers in the Clearfield area and are intended to help buyers understand which type of lender may be the best fit for their situation.
About the Author
Jake Peterson is a licensed mortgage loan officer with the Tim Hawkes Team at Cornerstone Home Lending, serving homebuyers throughout Davis County and Northern Utah. He specializes in helping first-time buyers, VA borrowers, and families using down payment assistance programs navigate the mortgage process with clarity and confidence.
Jake and the Tim Hawkes Team focus on education-first lending, taking time to explain loan options, costs, and long-term strategy so buyers can make informed decisions.