Utah · HMDA 2025
Mortgage lenders in Emery County, UT
76 lenders reported 375 home-loan applications in Emery County in 2025. 216 closed as loans ($42.7M), 44 were denied — a 15.9% denial rate on decided applications, below the Utah rate of 19.1%. The three most active lenders handled 30% of applications, led by Utah Power Federally Insured State-Chartered Credit Union. 6 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 375
- Loans originated
- 216
- Purchase / refinance
- 99 / 69
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Emery County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Utah Power Federally Insured State-Chartered Credit Union | 53 | 14.1% | — |
| 2 | Mountain America Federal Credit Union 56 out of 100, Moderate | 33 | 8.8% | 45.0% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 25 | 6.7% | — |
| 4 | Rocket Mortgage, LLC | 23 | 6.1% | — |
| 5 | NEWREZ LLC | 19 | 5.1% | — |
| 6 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 15 | 4.0% | 22.5% |
| 7 | PREMIER MORTGAGE RESOURCES, L.L.C. | 15 | 4.0% | — |
| 8 | Bank of Utah | 15 | 4.0% | — |
| 9 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 15 | 4.0% | 30.7% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 13 | 3.5% | — |
| 11 | Broker Solutions, Inc. | 8 | 2.1% | — |
| 12 | CANOPY MORTGAGE, LLC | 8 | 2.1% | — |
| 13 | FIRST COLONY MORTGAGE CORPORATION | 7 | 1.9% | — |
| 14 | INTERCAP LENDING INC. | 6 | 1.6% | — |
| 15 | 21st Mortgage Corporation | 5 | 1.3% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 1.3% | 14.1% |
| 17 | Mortgage Research Center, LLC | 5 | 1.3% | — |
| 18 | GUILD MORTGAGE COMPANY | 4 | 1.1% | — |
| 19 | PLAZA HOME MORTGAGE, INC. | 4 | 1.1% | — |
| 20 | LAKEVIEW LOAN SERVICING, LLC | 4 | 1.1% | — |
| 21 | SECURITYNATIONAL MORTGAGE COMPANY | 4 | 1.1% | — |
| 22 | PHH Mortgage Corporation | 4 | 1.1% | — |
| 23 | Discover Bank | 3 | 0.8% | — |
| 24 | GUARANTEED RATE, INC. | 3 | 0.8% | — |
| 25 | AmeriSave Mortgage Corporation | 3 | 0.8% | — |
| 26 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 0.8% | 39.5% |
| 27 | THE LOAN STORE, INC. | 3 | 0.8% | — |
| 28 | Paramount Residential Mortgage Group, Inc. | 3 | 0.8% | — |
| 29 | PLANET HOME LENDING, LLC | 3 | 0.8% | — |
| 30 | GOLDENWEST | 3 | 0.8% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 3 | 0.8% | — |
| 32 | KIND LENDING, LLC | 3 | 0.8% | — |
| 33 | VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | 0.5% | — |
| 34 | TRIAD FINANCIAL SERVICES, INC. | 2 | 0.5% | — |
| 35 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.5% | — |
| 36 | GUARANTEED RATE AFFINITY, LLC | 2 | 0.5% | — |
| 37 | FIGURE LENDING LLC | 2 | 0.5% | — |
| 38 | Nations Lending Corporation | 2 | 0.5% | — |
| 39 | PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | 0.5% | — |
| 40 | Cache Valley Bank 73 out of 100, Strong | 2 | 0.5% | 0.9% |
Top 40 of 76 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Utah
- Salt Lake County 51,730 apps
- Utah County 35,605 apps
- Davis County 17,456 apps
- Weber County 15,621 apps
- Washington County 13,171 apps
- Tooele County 5,997 apps
- Cache County 5,733 apps
- Iron County 3,741 apps
- Box Elder County 3,593 apps
- Wasatch County 3,122 apps
- Summit County 3,104 apps
- Uintah County 2,059 apps