Utah · HMDA 2025
Mortgage lenders in Utah County, UT
373 lenders reported 35,605 home-loan applications in Utah County in 2025. 20,130 closed as loans ($7.7B), 4,609 were denied — a 17.8% denial rate on decided applications, below the Utah rate of 19.1%. The three most active lenders handled 22% of applications, led by Mountain America Federal Credit Union. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 35,605
- Loans originated
- 20,130
- Purchase / refinance
- 10,772 / 5,619
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Utah County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Mountain America Federal Credit Union 56 out of 100, Moderate | 2,764 | 7.8% | 45.0% |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 2,533 | 7.1% | — |
| 3 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 2,426 | 6.8% | 22.5% |
| 4 | UTAH COMMUNITY FEDERAL CREDIT UNION 74 out of 100, Strong | 1,813 | 5.1% | 18.3% |
| 5 | FIRST COLONY MORTGAGE CORPORATION | 1,677 | 4.7% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 1,535 | 4.3% | — |
| 7 | Rocket Mortgage, LLC | 1,202 | 3.4% | — |
| 8 | INTERCAP LENDING INC. | 1,017 | 2.9% | — |
| 9 | DHI MORTGAGE COMPANY, LTD. | 904 | 2.5% | — |
| 10 | GUILD MORTGAGE COMPANY | 796 | 2.2% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 778 | 2.2% | 14.1% |
| 12 | NEWREZ LLC | 731 | 2.1% | — |
| 13 | SECURITYNATIONAL MORTGAGE COMPANY | 654 | 1.8% | — |
| 14 | KIND LENDING, LLC | 633 | 1.8% | — |
| 15 | NATIONSTAR MORTGAGE LLC | 622 | 1.7% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 565 | 1.6% | — |
| 17 | LENNAR MORTGAGE, LLC | 557 | 1.6% | — |
| 18 | THE LOAN STORE, INC. | 540 | 1.5% | — |
| 19 | PHH Mortgage Corporation | 501 | 1.4% | — |
| 20 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 425 | 1.2% | 30.7% |
| 21 | MY MOVE MORTGAGE, LLC | 417 | 1.2% | — |
| 22 | UTAH FIRST | 398 | 1.1% | — |
| 23 | GOLDENWEST | 381 | 1.1% | — |
| 24 | SECURITY HOME MORTGAGE, LLC. | 354 | 1.0% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 351 | 1.0% | — |
| 26 | LAKEVIEW LOAN SERVICING, LLC | 341 | 1.0% | — |
| 27 | SECURITY SERVICE FEDERAL CREDIT UNION 61 out of 100, Moderate | 316 | 0.9% | 30.8% |
| 28 | Plains Commerce Bank 59 out of 100, Moderate | 308 | 0.9% | 10.0% |
| 29 | CYPRUS Federal Credit Union 71 out of 100, Strong | 285 | 0.8% | 30.3% |
| 30 | Coastal Community Bank 35 out of 100, Low | 284 | 0.8% | 3.0% |
| 31 | SPRING EQ, LLC | 283 | 0.8% | — |
| 32 | Loandepot.Com, LLC | 279 | 0.8% | — |
| 33 | U.S. Bank National Association 55 out of 100, Moderate | 257 | 0.7% | 39.5% |
| 34 | CANOPY MORTGAGE, LLC | 245 | 0.7% | — |
| 35 | PLANET HOME LENDING, LLC | 226 | 0.6% | — |
| 36 | Deseret First Credit Union | 212 | 0.6% | — |
| 37 | FIGURE LENDING LLC | 208 | 0.6% | — |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 196 | 0.6% | — |
| 39 | University First Federal Credit Union | 194 | 0.5% | — |
| 40 | RANLIFE, INC. | 192 | 0.5% | — |
Top 40 of 373 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
- 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