Outsmart the Mortgage Industry and Save Thousands.

Expect to save money with our Salary-based Loan Officers.

Digital Loan Officer

The world has changed. Use our digital loan officer to save you money. It analyzes thousands of options to show you the loan that saves you the most money possible.

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You're Losing Money.

Do you know how other loan officers make money from your home?

Fat Commissions.

Oops… Did We Say That Out Loud?

The higher rates and origination fees you pay don't go toward your home. They go to your over-compensated loan officer.


You Deserve Better.

Get the best loan for you and save with a salaried loan officer.

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The Best Decision for Your Family.

We understand you're trying to save money. Here's how we'll help you:

  • Salary-Based Loan Officers The best mortgage for you doesn't include paying a commission.
  • Low Rates & Closing Costs We charge less. It really is that simple.
  • No Upfront Fees at Anytime Charging for appraisals or credit reports before you close? Nope. Not here.
  • Close on Time No reason to sweat a tight closing deadline. We'll be sure we're ready early.

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Today's Rates

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Real. Fast. Rates.

Why don't other lenders post their rates online? We know! Other lenders allow their loan officers to adjust rates and fees based on how much they think they can make on your loan. We don't.

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Will I Really Save Money at City Creek?

"Tobi & I both grew up in families with very limited resources. Extra money for sports, dances, and vacations just didn't exist. We understand that you have more important things to spend your money on than massive loan officer commissions. That's why we pay our salaried loan officers to save you money. If you believe what we believe, then welcome to The City Creek Family." Mortgage Mike & Tobi – Founders

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98% of our customers recommend us.

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4 Easy Steps to Save

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See our rates to learn what options are available to you.

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Answer Basic Questions

Provide answers to simple, very straight forward questions.

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Upload Needed Documents

Provide needed documents to verify your information.

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Close Confidently and Save

In as little as two weeks, close with the best loan for you.

Our Promise to You

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Salaried Loan Officers Save you Money.

Find Your Best Loan

Our BETA digital loan officer will search through thousands of rate options, and analyze which loan costs the least over the time you'll keep your loan.

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Don't Pay for Your Mistake with Every Payment You make.

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The City Creek Promise

At City Creek Mortgage we want to help you confidently choose the best mortgage and save money. To do that, you need a team that has one priority—YOU.

The Mortgage Company that Cares +
Welcome to City Creek Mortgage—the home of the mortgage planners you can trust in Utah. Our mortgage company in Salt Lake City, Utah provides invaluable assistance to facilitate the loan shopping and application process, help you make informed decisions, and ultimately allow you to save money. We exist to help you secure the best mortgage program for your unique situation and use the strategies to your advantage.
The Team with a Heart to Truly Help +
Our organization is composed of individuals who have unwavering passion to assist clients in need of the perfect mortgage in Salt Lake City, Draper, Sandy, and West Jordan, Utah. Our deep knowledge and collective talents are your ace to obtain the right loan for your needs with the lowest interest rate, and possibly without paying the closing cost.
Taking Trouble Out of the Equation +
City Creek Mortgage is all about making mortgages in Salt Lake City simpler and easier. We provide innovative tools to help you see the amount of property you can actually afford based on your income and give you a clear picture on your possible monthly payments. We lend our expertise to give you sound advice and guide you with your decisions every step of the way.
Get Started Today +
Take a tour of our site to discover the many ways we can help with your mortgage in Salt Lake City. Enrich your understanding about mortgage rates and other things that matter to make the right choice with your loan. If you are ready to move forward, apply today to get you started.
Map of United States highlighting the states that City Creek Mortgage does business in

States we operate in

Our team of salary-based loan officers are licensed in multiple states. See the list below to learn where you can get a City Creek Mortgage loan.

  • Utah
  • Idaho
  • Oregon
  • Colorado
  • Kansas
  • Florida
  • California
  • Illinois

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Where We're Located

11910 S. State Street, Suite 100
Draper, Utah 84020

We'll work around your schedule.

Life happens. We understand. Our 15-hour workdays makes it convenient to work on your terms.

  • Hours

    Monday - Thursday: 6am - 9pm
    Friday: 6am - 6pm
    Saturday: 9am - 5pm

  • Extended Phone Hours

    Friday: 6pm - 9pm
    Saturday - Sunday: 9am - 9pm
    Extended Hour Line: 801-541-3305

  • Contact Info

    Phone: 801-501-7950
    Fax: 801-501-7951
    Email: mike@citycreekmortgage.com

Now Hiring

  • Mortgage Processor
  • Mortgage Coordinator

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Get Social with Us

Look at that –– The sun is barely up and we’re already here to help you! We’re open 15 hours a day so we can work on your terms.


Look at that –– It’s after 5pm and we’re still here to help you! We’re open 15 hours a day so we can work on your terms.


Look at that –– It’s the weekend and we’re still here to help! Being here from 9am – 9pm on both Saturday and Sunday helps us work on your terms.


Hey there –– Happy Black Friday! We love holidays and we also love saving you money. That’s exactly why we’re still open today and ready to help.