Utah · HMDA 2025
Mortgage lenders in Summit County, UT
256 lenders reported 3,104 home-loan applications in Summit County in 2025. 1,711 closed as loans ($1.8B), 475 were denied — a 20.5% denial rate on decided applications, above the Utah rate of 19.1%. The three most active lenders handled 18% of applications, led by Mountain America Federal Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,104
- Loans originated
- 1,711
- Purchase / refinance
- 767 / 563
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Summit County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Mountain America Federal Credit Union 56 out of 100, Moderate | 237 | 7.6% | 45.0% |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 165 | 5.3% | — |
| 3 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 157 | 5.1% | 30.7% |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 140 | 4.5% | 39.5% |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 136 | 4.4% | 14.1% |
| 6 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 136 | 4.4% | 22.5% |
| 7 | Rocket Mortgage, LLC | 117 | 3.8% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 76 | 2.4% | — |
| 9 | Bank of America, National Association 59 out of 100, Moderate | 76 | 2.4% | 44.7% |
| 10 | Fairway Independent Mortgage Corporation | 68 | 2.2% | — |
| 11 | NEWREZ LLC | 66 | 2.1% | — |
| 12 | Morgan Stanley Private Bank, National Association 61 out of 100, Moderate | 61 | 2.0% | 4.9% |
| 13 | MY MOVE MORTGAGE, LLC | 53 | 1.7% | — |
| 14 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 50 | 1.6% | 22.2% |
| 15 | INTERCAP LENDING INC. | 46 | 1.5% | — |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 44 | 1.4% | — |
| 17 | GOLDENWEST | 44 | 1.4% | — |
| 18 | BETTER MORTGAGE CORPORATION | 36 | 1.2% | — |
| 19 | Citibank, National Association 60 out of 100, Moderate | 35 | 1.1% | 24.0% |
| 20 | THE LOAN STORE, INC. | 33 | 1.1% | — |
| 21 | GUILD MORTGAGE COMPANY | 32 | 1.0% | — |
| 22 | Charles Schwab Bank, SSB 81 out of 100, Strong | 32 | 1.0% | 5.2% |
| 23 | SECURITY SERVICE FEDERAL CREDIT UNION 61 out of 100, Moderate | 31 | 1.0% | 30.8% |
| 24 | PNC Bank, National Association 62 out of 100, Moderate | 30 | 1.0% | 33.8% |
| 25 | Coastal Community Bank 35 out of 100, Low | 30 | 1.0% | 3.0% |
| 26 | Glacier Bank 68 out of 100, Moderate | 29 | 0.9% | 20.0% |
| 27 | PHH Mortgage Corporation | 29 | 0.9% | — |
| 28 | University First Federal Credit Union | 28 | 0.9% | — |
| 29 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 28 | 0.9% | — |
| 30 | LENDSURE MORTGAGE CORP. | 28 | 0.9% | — |
| 31 | FIGURE LENDING LLC | 27 | 0.9% | — |
| 32 | UTAH COMMUNITY FEDERAL CREDIT UNION 74 out of 100, Strong | 25 | 0.8% | 18.3% |
| 33 | KIND LENDING, LLC | 25 | 0.8% | — |
| 34 | AMERIHOME MORTGAGE COMPANY, LLC | 22 | 0.7% | — |
| 35 | KeyBank National Association 63 out of 100, Moderate | 22 | 0.7% | 32.8% |
| 36 | UBS Bank USA 64 out of 100, Moderate | 20 | 0.6% | 7.7% |
| 37 | NATIONSTAR MORTGAGE LLC | 19 | 0.6% | — |
| 38 | Loandepot.Com, LLC | 18 | 0.6% | — |
| 39 | UTAH FIRST | 18 | 0.6% | — |
| 40 | FREEDOM MORTGAGE CORPORATION | 18 | 0.6% | — |
Top 40 of 256 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
- Uintah County 2,059 apps
- Sanpete County 1,357 apps