HMDA 2025
Mortgage lenders in Utah
Lenders reported 170,570 home-loan applications for properties in Utah in 2025; 95,941 became loans and the denial rate on decided applications was 19.1%. The busiest county was Salt Lake County with 51,730 applications.
Most active lenders across Utah's counties
- AMERICA FIRST Federal Credit Union 16,303 applications
- Mountain America Federal Credit Union 15,415 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 11,352 applications
- PENNYMAC LOAN SERVICES, LLC 6,527 applications
- Rocket Mortgage, LLC 6,356 applications
- GUILD MORTGAGE COMPANY 5,477 applications
- INTERCAP LENDING INC. 4,879 applications
- GOLDENWEST 4,312 applications
- JPMorgan Chase Bank, National Association 3,667 applications
- FIRST COLONY MORTGAGE CORPORATION 3,504 applications
- NEWREZ LLC 3,468 applications
- KIND LENDING, LLC 3,227 applications
- Zions Bancorporation, N.A. 3,021 applications
- FREEDOM MORTGAGE CORPORATION 2,774 applications
- NATIONSTAR MORTGAGE LLC 2,557 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Beaver County | 334 | 77 | 20.2% | 86 / 63 |
| Box Elder County | 3,593 | 178 | 16.3% | 962 / 660 |
| Cache County | 5,733 | 198 | 15.6% | 1,551 / 1,084 |
| Carbon County | 1,106 | 123 | 23.8% | 283 / 199 |
| Daggett County | 70 | 39 | 27.1% | 7 / 12 |
| Davis County | 17,456 | 288 | 16.2% | 3,966 / 3,612 |
| Duchesne County | 955 | 114 | 28.0% | 203 / 177 |
| Emery County | 375 | 76 | 15.9% | 99 / 69 |
| Garfield County | 302 | 67 | 19.2% | 65 / 67 |
| Grand County | 389 | 98 | 29.9% | 95 / 57 |
| Iron County | 3,741 | 196 | 18.5% | 1,117 / 606 |
| Juab County | 634 | 95 | 17.2% | 164 / 156 |
| Kane County | 725 | 127 | 24.0% | 190 / 126 |
| Millard County | 567 | 103 | 15.5% | 128 / 129 |
| Morgan County | 817 | 118 | 14.6% | 182 / 186 |
| Piute County | 73 | 26 | 28.1% | 12 / 17 |
| Rich County | 324 | 79 | 23.2% | 84 / 63 |
| Salt Lake County | 51,730 | 410 | 21.3% | 12,114 / 9,762 |
| San Juan County | 349 | 76 | 37.5% | 66 / 57 |
| Sanpete County | 1,357 | 126 | 21.4% | 320 / 284 |
| Sevier County | 1,140 | 105 | 22.6% | 258 / 226 |
| Summit County | 3,104 | 256 | 20.5% | 767 / 563 |
| Tooele County | 5,997 | 209 | 22.6% | 1,545 / 1,024 |
| Uintah County | 2,059 | 133 | 25.6% | 482 / 372 |
| Utah County | 35,605 | 373 | 17.8% | 10,772 / 5,619 |
| Wasatch County | 3,122 | 233 | 19.1% | 884 / 557 |
| Washington County | 13,171 | 300 | 17.9% | 3,887 / 2,028 |
| Wayne County | 121 | 38 | 21.7% | 21 / 20 |
| Weber County | 15,621 | 297 | 16.8% | 3,925 / 3,084 |