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A Salt Lake City lender built on showing the math
Since 2011 we have financed more than 11,000 Utah homes by doing one unusual thing: putting every number on the table first.
Our story
Dana Whitaker spent twelve years at a national bank watching borrowers sign closing documents with fees they had never seen before. In 2011 she opened Summit Ridge Mortgage in a small office on Main Street with a simple idea: show people the full cost of a loan before they apply, and let them decide.
That idea turned out to be good business. Borrowers told friends, real estate agents started sending clients, and the two-person shop grew into six branches from Ogden to St. George. Today we have 64 employees, including in-house underwriters and closers who live in the communities we lend in.
We are still a Utah company. Loan decisions are made in Salt Lake City by people who know the difference between a Sugar House bungalow and a Daybreak townhome, and who will pick up the phone on a Saturday when your offer is due.
"If we would not be comfortable showing a borrower a fee, we should not be charging it."
Dana Whitaker, Founder and CEOWhat we hold ourselves to
Every fee on page one
Borrowers see lender fees before they apply. If a cost changes, we explain why in writing before closing.
One person, start to finish
Your loan officer does not hand you off after the application. They stay with you through closing day.
Advice over volume
We tell people to wait when waiting is smarter. Nearly a third of our refinance conversations end in a rate watch, not a loan.
Utah decisions, in Utah
Underwriting, processing and closing all happen in Salt Lake City. No offshore queues, no mystery conditions.
- $2.14Bin home loans funded since 2011
- 21 daysmedian purchase close
- 4.9/5from 1,284 verified reviews
- 11,380Utah families financed
Fifteen years, six branches
A steady climb, built one referral at a time.
- 2011
Dana Whitaker opens a two-person office above a Main Street bakery with a single promise: every fee on page one.
- 2015
First branch outside Salt Lake County opens in Provo. VA lending team launches for Hill AFB families.
- 2019
Digital application launches. Median close drops from 34 days to 26.
- 2023
Park City and St. George branches open. Reverse mortgage program added with family-first counseling.
- 2026
More than $2.14 billion funded for 11,380 families, with a 21 day median purchase close.
Credentials and licenses
NMLS licensed
NMLS #XXXXXXX. Licensed in Utah, Idaho, Nevada, Arizona, Colorado and Wyoming.
Equal Housing Opportunity
We lend in accordance with the Fair Housing Act and Equal Credit Opportunity Act.
Agency approved
Approved seller and servicer relationships for conventional, FHA, VA and USDA lending (demo).
SOC 2 aligned security
Bank-level encryption, multi-factor authentication and annual third-party security testing (demo).
The people behind your loan
Every borrower gets one named loan officer, a direct line and text updates at each milestone.
Dana Whitaker
Founder and CEO
Marcus Bell
Senior Loan Officer
Ana Lucia Ortega
Loan Officer, First-time Buyers
Daniel Nakamura
VA Loan Specialist
Grace Kim
Loan Officer, Equity Lending
Jordan Reyes
Loan Officer, Park City
Imani Carter
Reverse Mortgage Specialist
Wyatt Lindqvist
Loan Officer, New Construction
Know your numbers before you shop
Pre-qualify in about 6 minutes with a soft credit check. No impact to your score and no obligation.
4.9 from 1,284 reviews · NMLS #XXXXXXX