Gephardt Approved

Business Details


When Tobi and I started City Creek Mortgage in 1998, we set out to create a unique mortgage experience for our clients. We realized that many people have home loans, but few have true professionals who are ensuring their loans are properly structured and managed. In addition, there are not many homeowners who have advisors teaching them cash flow and debt management. As a result, many families are in crisis.

A properly structured mortgage is one of the cornerstones to financially empowered families. When families pay more interest than they should, or pay a higher allocation of their monthly income to service their obligations than fits within budget, challenges arise. Often, the consequences of mismanaged cash flow and net worth extend far beyond a family’s personal financial statement. Our purpose is based on empowering people and families to live comfortably and securely, and to make wise financial decisions to help prevent the unintended consequences of poor financial choices and habits.

As one of the top mortgage planners in Utah, we have a team of highly skilled and talented professionals designed to provide world-class advice and service to our clients. We specialize in all types of residential mortgage loans, for every homeowner. As Wealthcare Professionals, we are honored to serve those looking to purchase a home or refinance their mortgage.

Hours of Operations

Monday - Friday 8:00am - 5:00pm

Reviews (14)

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Very happy with City Creek Mortgage. Lowest rate on my refinance. I had some issue with my credit report ( false information) they fixed it and I had more money back at closing than I expected. They were friendly courteous and efficient. I will use them again and would recommend them to anyone. They worked with my travel schedule and were very nice about changes.



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Got pre-approved thru City Creek Mortgage (CCM). I find a house to buy in Park City. CCM uses Quicken Loans, Google & read reviews on Quicken loans! SAD! CCM missed 2 of our funding deadlines They waited to the last minute to get an appraisal. My Earnest Money went hard, and CCM could not get me final approval, they kept saying "we are working on it," "the investors are reviewing the appraisal", All lip service keeping me on the hook, Long story made short, I let my earnest money go hard(non refundable) CCM still could not tell me yes, or tell me no. So I had to pay cash. or loose $25000 earnest money or loose getting the house. CCM was willing to let me loose $25000! I'm still waiting from CCM for funding, or a re-fi or anything. Even an answer that I cant get funding at all. IT BEEN 7 WEEKS (I closed already) AND STILL NO ANSWER! Last Email, said they have other lenders looking at my file. Like I believe this? AVOID THIS COMPANY I hate leaving one star, but no other option


mortgage loan

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Had a great experience with City Creek Mortgage. Kandi and Linda were awesome. Will recommend everyone to them. Every- thing was taken care of didn't hardly have to lift a finger. Thank you, being a first time home buyer I thought it would be a more difficult process.


Great Experience with City Creek Mortgage!

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We had a wonderful experience working with City Creek Mortgage. They are so friendly and kept us involved throughout the process. Thank you!


I don't trust them

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Should start with it's nice to see they give back to their clients and reward them for trusting them with their biggest purchase...but we did not have a good experience. We used City Creek for a new mortgage-saw ad, called, compared rate and they were a little better. Our experience was different than those in the Gephart video. They missed timelines. They showed poor judgement. The manager had to get involved. Our rate changed during process. We never got a warm cookie, never invited to a party, No annual mortgage review, No one ever met us face-to-face. I'm paying $3500 more per year because of their mistakes and I could be getting a donut at a party. I wanted to go elsewhere, but mortgages don't work like that. Looking at reviews on sites, looks like people refinancing are happier than those with a new one. Gephart Approved? This makes me less likely to trust Gephart.

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