Home financing in Washington County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Washington County line, but 9 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingPersonal Financing
The doors in Washington County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 9
- DOORS HERE
- 0
- BASED HERE
- 22
- UT COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 180Kresidents of Washington County
- Covers
- St. George
- Elsewhere in UT
- Salt Lake County →24 doors — the biggest list of any other county in Utah
- State
- Utah →22 of 29 counties hold a door in this lane
Based elsewhere, with a member-facing office inside the Washington County line. You can walk in.
- America First Credit UnionPersonal · Home · Business capital
- Canyon View Credit UnionPersonal · Home · Business capital
- Chartway Credit UnionPersonal · Home · Business capital
- Cyprus Credit UnionPersonal · Home · Business capital
- Deseret First Credit UnionPersonal · Home · Business capital
- Goldenwest Credit UnionPersonal · Home · Business capital
Show the other 3Show fewer
- Mountain America Credit UnionPersonal · Home · Business capital
- Security Service Credit UnionPersonal · Home · Business capital
- Utah First Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Who actually approves home loans in Washington County.
home-purchase applications that reached a decision were turned down: 216 of 3,129.
- Applications
- 3,776
- Loans made
- 2,785
- Median rate
- 6.4%
- Too much debt for the income45.4%
- Credit history13.9%
- Not enough cash to close10.6%
- Guild Mortgage6715202%6.4%
- United Shore Financial Services4813859.3%6.3%
- Sun American Mortgage3232192.2%6.5%
- Belem Servicing2652090.9%6.6%
- Intercap Lending2441900%6.5%
- DHI Mortgage24418510.2%5.5%
- First Colony Mortgage2171840.5%6.5%
- Mountain America Federal Credit Union42918141%6.2%
- Rocket Mortgage24017618.4%6.3%
- The Loan Store1981602.3%6.4%
The 10 lenders that made the most home loans in Washington County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (12.2%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
Buying a home in Washington County means competing in a market shaped by retirees, second-home buyers, vacation rentals, and constant new construction around St. George, Hurricane, and Washington. For the workers who build and serve this county, getting a foothold takes planning. This guide explains how home loans work here, who qualifies, what to gather, which credit unions keep branches in the county, the Utah tax and HOA rules that matter, and the traps to avoid.
It's a process, not a rejection.
A home loan is money borrowed to buy, build, repair, or refinance a home or small rental. The common types are conventional mortgages, FHA loans (government-insured, with lower down payments and more flexible credit), VA loans for veterans, USDA loans for eligible rural areas, and home equity loans or lines for current owners.
Washington County's housing market has a few forces working at once. Retirees and buyers from out of state come for the warm winters, often paying cash or bringing equity from a more expensive market. Second homes and short-term vacation rentals compete for the same houses, especially in neighborhoods near St.
George's golf courses and the routes to Zion.
And builders keep adding subdivisions, townhomes, and planned communities, most of them governed by homeowners associations.
For local workers — construction crews, hospitality staff, healthcare and school employees — that means prices can run ahead of local paychecks. First-time buyer programs, FHA loans, and careful planning around down payments matter a lot here. So does looking beyond St. George to Hurricane, Washington, and the smaller towns, where prices and lot sizes vary.
The desert climate also matters for budgets. Air conditioning, water use, and the condition of roofs and stucco in intense sun are real costs, and a home inspection should look closely at them.
Forget what the banks say.
Mortgage lenders look at credit, your debt compared to your income, savings for down payment and closing costs, and the stability of your income.
- 01**Healthcare
School, and university employees** with W-2 jobs have the easiest income to document.
- 02**Construction trades
** If you are self-employed or paid on 1099s, most lenders want two years of tax returns. Heavy write-offs lower your taxes but also the income a lender can use — plan ahead with your tax preparer.
- 03**Hospitality and tourism workers
** Hourly pay and reported tips can count if they are steady over time; seasonal swings should be explained.
- 04**Veterans** should check VA eligibility first.
- 05**ITIN holders
** Some lenders make mortgages to borrowers with an ITIN, typically with a larger down payment. Ask each lender directly. Mixed-status households should ask whether the member with an SSN can apply alone or with a co-borrower.
- 06**Small landlords** need lease records and reserves
Lenders treat short-term rental income differently from long-term leases.
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Get your papers in order.
- 01Photo ID and Social Security number or ITIN
- 02Two years of W-2s
Or two years of full tax returns if self-employed
- 03About a month of recent pay stubs
- 04Two to three months of statements for every account
- 05Letters explaining large deposits
- 06VA Certificate of Eligibility, if a veteran
- 07Rent payment history if your credit is thin
- 08For new construction or planned communities
The HOA's fee schedule, rules, and any rental restrictions
- 09For refinances
Current mortgage statement and insurance declarations
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
No institution in our directory is based inside the Washington County line, and none of the local doors in our directory carries CDFI certification.
ALL 9 DOORS, BY NAME AND BY TOWN- 9
- DOORS HERE
- 28
- ACROSS UT
Based in Riverdale, Utah. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Salt Lake City, Utah. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Virginia Beach, Virginia. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Salt Lake City, Utah. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
If the city or HOA does not allow short-term rentals, the numbers fall apart.
They are part of your payment and can rise.
Get any seller-financing contract reviewed and recorded.
HUD-approved counselors are free.
Confirm wiring instructions by phone with a known number.
In Utah, a notary public is not a lawyer.
Everything below is set by Utah, and it reads the same in every county in it. The 9 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Utah taxes a primary residence on a reduced share of its value compared with second homes and short-term rentals. Make sure the county records your home as your primary residence; you may need to sign a declaration.
Many newer communities have homeowners associations with monthly fees, rules, and sometimes limits on rentals. Lenders count the dues in your payment.
Cities in the county regulate vacation rentals and limit where they are allowed. Do not count on rental income from a property until you have confirmed the rules.
Utah places few limits on rates by agreement. Compare the APR and fees on every offer.
Check the condition of the cooling system, roof, and stucco, and ask about any irrigation or water rights tied to a rural property.
The short version.
- 01
Washington County's housing market is shaped by retirees, second homes, vacation rentals, and constant construction. Local workers can get in with planning: use first-time buyer programs, compare lenders, read the HOA documents, and confirm your primary-residence status for taxes.
- 02
No lender is based inside the county, but nine credit unions keep branches here, and free homebuyer counseling is available.
- 03
Origen Capital is a directory, not a lender. We do not collect your information, and we do not sell you anything. Use this guide as a map, then work directly with the institution you choose.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN WASHINGTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN WASHINGTON COUNTY →22UT COUNTIES WITH DOORSThe whole stateEvery county in Utah, in this same lane.28 institutions fund homes and repairs inside Utah county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.