Utah · HMDA 2025
Mortgage lenders in Millard County, UT
103 lenders reported 567 home-loan applications in Millard County in 2025. 346 closed as loans ($73.7M), 69 were denied — a 15.5% denial rate on decided applications, below the Utah rate of 19.1%. The three most active lenders handled 35% of applications, led by State Bank of Southern Utah. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 567
- Loans originated
- 346
- Purchase / refinance
- 128 / 129
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Millard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | State Bank of Southern Utah 79 out of 100, Strong | 96 | 16.9% | 11.2% |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 54 | 9.5% | — |
| 3 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 46 | 8.1% | 30.7% |
| 4 | Mountain America Federal Credit Union 56 out of 100, Moderate | 32 | 5.6% | 45.0% |
| 5 | INTERCAP LENDING INC. | 27 | 4.8% | — |
| 6 | Rocket Mortgage, LLC | 26 | 4.6% | — |
| 7 | GUILD MORTGAGE COMPANY | 19 | 3.4% | — |
| 8 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 18 | 3.2% | 22.5% |
| 9 | NEWREZ LLC | 16 | 2.8% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 13 | 2.3% | — |
| 11 | SECURITYNATIONAL MORTGAGE COMPANY | 13 | 2.3% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 1.4% | 14.1% |
| 13 | NATIONSTAR MORTGAGE LLC | 8 | 1.4% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 8 | 1.4% | — |
| 15 | Broker Solutions, Inc. | 6 | 1.1% | — |
| 16 | Mortgage Research Center, LLC | 6 | 1.1% | — |
| 17 | SECURITY HOME MORTGAGE, LLC. | 6 | 1.1% | — |
| 18 | KIND LENDING, LLC | 6 | 1.1% | — |
| 19 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 0.9% | 39.5% |
| 20 | Plains Commerce Bank 59 out of 100, Moderate | 5 | 0.9% | 10.0% |
| 21 | NBH Bank 66 out of 100, Moderate | 5 | 0.9% | 16.8% |
| 22 | PHH Mortgage Corporation | 5 | 0.9% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 5 | 0.9% | 3.0% |
| 24 | UTAH COMMUNITY FEDERAL CREDIT UNION 74 out of 100, Strong | 4 | 0.7% | 18.3% |
| 25 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.7% | — |
| 26 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 0.5% | 22.2% |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 0.5% | — |
| 28 | THE LOAN STORE, INC. | 3 | 0.5% | — |
| 29 | MY MOVE MORTGAGE, LLC | 3 | 0.5% | — |
| 30 | OCMBC, INC. | 3 | 0.5% | — |
| 31 | GRANITE FEDERAL CREDIT UNION 63 out of 100, Moderate | 3 | 0.5% | 21.6% |
| 32 | AgWest Farm Credit, FLCA | 3 | 0.5% | — |
| 33 | City Lending Inc. | 3 | 0.5% | — |
| 34 | CANOPY MORTGAGE, LLC | 3 | 0.5% | — |
| 35 | DIRECT RATE HOME LOANS, INC | 3 | 0.5% | — |
| 36 | The Huntington National Bank 59 out of 100, Moderate | 2 | 0.4% | 31.6% |
| 37 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.4% | 32.9% |
| 38 | 21st Mortgage Corporation | 2 | 0.4% | — |
| 39 | Fairway Independent Mortgage Corporation | 2 | 0.4% | — |
| 40 | Loandepot.Com, LLC | 2 | 0.4% | — |
Top 40 of 103 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