City Creek Mortgage Corp. Reviews

City Creek Mortgage publishes daily mortgage and refinance rates for borrowers on its website. As of publishing, sample mortgage rates on its site show a 30-year fixed conventional rate of about 5.875% (6.005% APR) and a 15-year fixed rate of about 5.5% (5.5% APR) for well-qualified borrowers. For reference, the national average 30-year fixed-rate mortgage is 6.37%, according to Freddie Mac.

Your actual rate depends on factors like your credit profile, loan type, loan amount, home value, down payment and overall finances. For current, personalized pricing, you can use City Creek Mortgage’s online quote tools or speak with a loan officer.

City Creek Mortgage offers a variety of mortgage products, including:

• Conventional fixed-rate loans
• Conventional adjustable-rate loans (ARMs)
• FHA loans
• VA loans
• USDA loans (in eligible rural areas)
• First-time homebuyer programs
• Jumbo loans
• Loans for condos, duplexes and rental/investment properties

Available options can vary by your state and financial qualifications.

City Creek Mortgage Corp. loan maximum

The maximum loan amount you can get through City Creek Mortgage depends on the type of loan you apply for and your financial profile.

City Creek Mortgage follows current federal conforming loan limits. As of 2026, the FHA loan limit for a single-unit property in the highest-cost counties is $1,249,125. In most other parts of the country, the standard conforming loan limit is $832,750 for single-unit properties. Jumbo loans are available for higher-priced homes that exceed those limits.

To find out how much you may qualify for, you’ll need to complete a prequalification or full application.

Below are the basic requirements borrowers must meet to take out a loan with City Creek Mortgage Corp.

City Creek Mortgage Corp. minimum credit score

City Creek Mortgage doesn't publish a single minimum credit score requirement for a loan, and requirements vary by loan type. Conventional loans are listed at 620, FHA loans can start at 580 with 3.5% down or 500 with 10% down, and jumbo loans typically require a score of at least 700.

If you have weaker credit and can’t meet the score requirements, a loan officer can help you review options and potential next steps to qualify.

City Creek Mortgage Corp. minimum down payment

Minimum down payment requirements depend on the loan type and your specific qualifications, but City Creek Mortgage publishes basic down payment guidance for some loans:

• Conventional: 3% to 5%
• FHA: 3.5%
• VA: 0% for eligible borrowers
• USDA: 0% for eligible borrowers

A City Creek Mortgage loan officer can review your finances and recommend loan options that fit your available down payment.

City Creek Mortgage Corp. maximum debt-to-income ratio

City Creek Mortgage doesn’t use a universal maximum debt-to-income (DTI) ratio for every loan. Instead, it gives some general DTI guidance by program:

• Conventional: Less than 36%
• Some refinance scenarios: Around 45%
• FHA cash-out refinance: 43% to 50%

City Creek Mortgage evaluates DTI by program, and the specific requirements vary by loan type and borrower profile.

You can complete an application online, by phone or in person. You can start by generating a personalized rate quote or prequalification online in a few minutes, then upload documents and track your loan digitally.

Be prepared to provide information about your income and assets so the lender can determine how much you can borrow.

City Creek Mortgage Corp. application features

» LEARN: How to get a mortgage

You can expect to pay from 0.5% to 1% of the loan in origination fees as part of your closing costs with City Creek Mortgage. This fee can vary, but we recommend planning to spend between 2% and 5% of your loan amount on closing costs, in addition to your down payment.