Utah · HMDA 2025
Mortgage lenders in Morgan County, UT
118 lenders reported 817 home-loan applications in Morgan County in 2025. 481 closed as loans ($224.2M), 88 were denied — a 14.6% denial rate on decided applications, below the Utah rate of 19.1%. The three most active lenders handled 33% of applications, led by GOLDENWEST. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 817
- Loans originated
- 481
- Purchase / refinance
- 182 / 186
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Morgan County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | GOLDENWEST | 130 | 15.9% | — |
| 2 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 97 | 11.9% | 22.5% |
| 3 | GUILD MORTGAGE COMPANY | 42 | 5.1% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 41 | 5.0% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 41 | 5.0% | — |
| 6 | INTERCAP LENDING INC. | 39 | 4.8% | — |
| 7 | Mountain America Federal Credit Union 56 out of 100, Moderate | 26 | 3.2% | 45.0% |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 2.9% | 14.1% |
| 9 | NEWREZ LLC | 16 | 2.0% | — |
| 10 | Rocket Mortgage, LLC | 16 | 2.0% | — |
| 11 | Glacier Bank 68 out of 100, Moderate | 16 | 2.0% | 20.0% |
| 12 | NATIONSTAR MORTGAGE LLC | 14 | 1.7% | — |
| 13 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 14 | 1.7% | 30.7% |
| 14 | KIND LENDING, LLC | 13 | 1.6% | — |
| 15 | PHH Mortgage Corporation | 12 | 1.5% | — |
| 16 | CANOPY MORTGAGE, LLC | 11 | 1.3% | — |
| 17 | HOMEAMERICAN MORTGAGE CORPORATION | 11 | 1.3% | — |
| 18 | FIGURE LENDING LLC | 10 | 1.2% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 10 | 1.2% | — |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 1.0% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.0% | — |
| 22 | Bank of America, National Association 59 out of 100, Moderate | 6 | 0.7% | 44.7% |
| 23 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 0.7% | 39.5% |
| 24 | CYPRUS Federal Credit Union 71 out of 100, Strong | 6 | 0.7% | 30.3% |
| 25 | Bank of Utah | 6 | 0.7% | — |
| 26 | THE LOAN STORE, INC. | 5 | 0.6% | — |
| 27 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | 0.6% | — |
| 28 | Plains Commerce Bank 59 out of 100, Moderate | 5 | 0.6% | 10.0% |
| 29 | AMWEST FUNDING CORP. | 5 | 0.6% | — |
| 30 | CMG MORTGAGE, INC. | 4 | 0.5% | — |
| 31 | Loandepot.Com, LLC | 4 | 0.5% | — |
| 32 | Discover Bank | 4 | 0.5% | — |
| 33 | SPRING EQ, LLC | 4 | 0.5% | — |
| 34 | D. L. EVANS BANK | 4 | 0.5% | — |
| 35 | FIRST COLONY MORTGAGE CORPORATION | 4 | 0.5% | — |
| 36 | Cache Valley Bank 73 out of 100, Strong | 4 | 0.5% | 0.9% |
| 37 | SECURITY SERVICE FEDERAL CREDIT UNION 61 out of 100, Moderate | 4 | 0.5% | 30.8% |
| 38 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.5% | — |
| 39 | BETTER MORTGAGE CORPORATION | 4 | 0.5% | — |
| 40 | Coastal Community Bank 35 out of 100, Low | 4 | 0.5% | 3.0% |
Top 40 of 118 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