Utah · HMDA 2025
Mortgage lenders in Salt Lake County, UT
410 lenders reported 51,730 home-loan applications in Salt Lake County in 2025. 28,618 closed as loans ($11.4B), 8,199 were denied — a 21.3% denial rate on decided applications, above the Utah rate of 19.1%. The three most active lenders handled 27% of applications, led by Mountain America Federal Credit Union. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 51,730
- Loans originated
- 28,618
- Purchase / refinance
- 12,114 / 9,762
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Salt Lake County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Mountain America Federal Credit Union 56 out of 100, Moderate | 5,245 | 10.1% | 45.0% |
| 2 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 5,158 | 10.0% | 22.5% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 3,787 | 7.3% | — |
| 4 | Rocket Mortgage, LLC | 2,070 | 4.0% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 1,721 | 3.3% | — |
| 6 | INTERCAP LENDING INC. | 1,562 | 3.0% | — |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,253 | 2.4% | 14.1% |
| 8 | CYPRUS Federal Credit Union 71 out of 100, Strong | 1,147 | 2.2% | 30.3% |
| 9 | University First Federal Credit Union | 1,120 | 2.2% | — |
| 10 | KIND LENDING, LLC | 1,066 | 2.1% | — |
| 11 | SECURITYNATIONAL MORTGAGE COMPANY | 1,036 | 2.0% | — |
| 12 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 1,004 | 1.9% | 30.7% |
| 13 | NEWREZ LLC | 937 | 1.8% | — |
| 14 | GUILD MORTGAGE COMPANY | 875 | 1.7% | — |
| 15 | FIRST COLONY MORTGAGE CORPORATION | 784 | 1.5% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 737 | 1.4% | — |
| 17 | THE LOAN STORE, INC. | 735 | 1.4% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 730 | 1.4% | — |
| 19 | UTAH FIRST | 686 | 1.3% | — |
| 20 | PHH Mortgage Corporation | 603 | 1.2% | — |
| 21 | GOLDENWEST | 598 | 1.2% | — |
| 22 | Fairway Independent Mortgage Corporation | 572 | 1.1% | — |
| 23 | U.S. Bank National Association 55 out of 100, Moderate | 528 | 1.0% | 39.5% |
| 24 | LAKEVIEW LOAN SERVICING, LLC | 492 | 1.0% | — |
| 25 | RANLIFE, INC. | 455 | 0.9% | — |
| 26 | SPRING EQ, LLC | 446 | 0.9% | — |
| 27 | AMERIHOME MORTGAGE COMPANY, LLC | 445 | 0.9% | — |
| 28 | MY MOVE MORTGAGE, LLC | 435 | 0.8% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 421 | 0.8% | — |
| 30 | Plains Commerce Bank 59 out of 100, Moderate | 416 | 0.8% | 10.0% |
| 31 | Broker Solutions, Inc. | 415 | 0.8% | — |
| 32 | 21st Mortgage Corporation | 393 | 0.8% | — |
| 33 | UTAH COMMUNITY FEDERAL CREDIT UNION 74 out of 100, Strong | 368 | 0.7% | 18.3% |
| 34 | FIGURE LENDING LLC | 363 | 0.7% | — |
| 35 | Loandepot.Com, LLC | 361 | 0.7% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 359 | 0.7% | 3.0% |
| 37 | Deseret First Credit Union | 345 | 0.7% | — |
| 38 | PROVIDENT FUNDING ASSOCIATES, L.P. | 342 | 0.7% | — |
| 39 | GRANITE FEDERAL CREDIT UNION 63 out of 100, Moderate | 334 | 0.6% | 21.6% |
| 40 | Bank of America, National Association 59 out of 100, Moderate | 330 | 0.6% | 44.7% |
Top 40 of 410 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Utah
- 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
- Sanpete County 1,357 apps