Utah · HMDA 2025
Mortgage lenders in Garfield County, UT
67 lenders reported 302 home-loan applications in Garfield County in 2025. 171 closed as loans ($45.1M), 43 were denied — a 19.2% denial rate on decided applications, close to the Utah rate of 19.1%. The three most active lenders handled 32% of applications, led by State Bank of Southern Utah. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 302
- Loans originated
- 171
- Purchase / refinance
- 65 / 67
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Garfield County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | State Bank of Southern Utah 79 out of 100, Strong | 42 | 13.9% | 11.2% |
| 2 | Mountain America Federal Credit Union 56 out of 100, Moderate | 35 | 11.6% | 45.0% |
| 3 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 21 | 7.0% | 30.7% |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 6.3% | — |
| 5 | Rocket Mortgage, LLC | 18 | 6.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 15 | 5.0% | — |
| 7 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 15 | 5.0% | 22.5% |
| 8 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | 14 | 4.6% | — |
| 9 | GUILD MORTGAGE COMPANY | 13 | 4.3% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 2.0% | 14.1% |
| 11 | Mortgage Research Center, LLC | 6 | 2.0% | — |
| 12 | NEWREZ LLC | 5 | 1.7% | — |
| 13 | THE LOAN STORE, INC. | 5 | 1.7% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 5 | 1.7% | — |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.3% | — |
| 16 | PLANET HOME LENDING, LLC | 4 | 1.3% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 4 | 1.3% | — |
| 18 | SECURITYNATIONAL MORTGAGE COMPANY | 4 | 1.3% | — |
| 19 | Loandepot.Com, LLC | 3 | 1.0% | — |
| 20 | AmeriSave Mortgage Corporation | 3 | 1.0% | — |
| 21 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 1.0% | 39.5% |
| 22 | FIGURE LENDING LLC | 3 | 1.0% | — |
| 23 | AMERICAN FINANCING CORPORATION | 3 | 1.0% | — |
| 24 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.7% | 22.2% |
| 25 | Discover Bank | 2 | 0.7% | — |
| 26 | GUARANTEED RATE, INC. | 2 | 0.7% | — |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.7% | — |
| 28 | SPRING EQ, LLC | 2 | 0.7% | — |
| 29 | Cache Valley Bank 73 out of 100, Strong | 2 | 0.7% | 0.9% |
| 30 | INTERCAP LENDING INC. | 2 | 0.7% | — |
| 31 | KIND LENDING, LLC | 2 | 0.7% | — |
| 32 | CMG MORTGAGE, INC. | 1 | 0.3% | — |
| 33 | VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | 0.3% | — |
| 34 | Fairway Independent Mortgage Corporation | 1 | 0.3% | — |
| 35 | Broker Solutions, Inc. | 1 | 0.3% | — |
| 36 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.3% | 33.8% |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.3% | 44.7% |
| 38 | A&D Mortgage LLC | 1 | 0.3% | — |
| 39 | Citadel Servicing Corporation | 1 | 0.3% | — |
| 40 | BMO Bank National Association 83 out of 100, Strong | 1 | 0.3% | 40.5% |
Top 40 of 67 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