Utah · HMDA 2025
Mortgage lenders in Wayne County, UT
38 lenders reported 121 home-loan applications in Wayne County in 2025. 60 closed as loans ($16.0M), 18 were denied — a 21.7% denial rate on decided applications, above the Utah rate of 19.1%. The three most active lenders handled 40% of applications, led by Mountain America Federal Credit Union. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 121
- Loans originated
- 60
- Purchase / refinance
- 21 / 20
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Wayne County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Mountain America Federal Credit Union 56 out of 100, Moderate | 24 | 19.8% | 45.0% |
| 2 | State Bank of Southern Utah 79 out of 100, Strong | 15 | 12.4% | 11.2% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 9 | 7.4% | — |
| 4 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 9 | 7.4% | 22.5% |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 5.0% | 39.5% |
| 6 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 5.0% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 3 | 2.5% | — |
| 8 | Rocket Mortgage, LLC | 3 | 2.5% | — |
| 9 | FIGURE LENDING LLC | 3 | 2.5% | — |
| 10 | Cache Valley Bank 73 out of 100, Strong | 3 | 2.5% | 0.9% |
| 11 | FREEDOM MORTGAGE CORPORATION | 3 | 2.5% | — |
| 12 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 3 | 2.5% | 30.7% |
| 13 | NEWREZ LLC | 2 | 1.7% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 1.7% | — |
| 15 | SPRING EQ, LLC | 2 | 1.7% | — |
| 16 | THE LOAN STORE, INC. | 2 | 1.7% | — |
| 17 | GOLDENWEST | 2 | 1.7% | — |
| 18 | UTAH COMMUNITY FEDERAL CREDIT UNION 74 out of 100, Strong | 2 | 1.7% | 18.3% |
| 19 | INTERCAP LENDING INC. | 2 | 1.7% | — |
| 20 | PHH Mortgage Corporation | 2 | 1.7% | — |
| 21 | 21st Mortgage Corporation | 1 | 0.8% | — |
| 22 | AmeriSave Mortgage Corporation | 1 | 0.8% | — |
| 23 | GUILD MORTGAGE COMPANY | 1 | 0.8% | — |
| 24 | Utah Mortgage Loan Corporation | 1 | 0.8% | — |
| 25 | Sierra Pacific Mortgage Company, Inc. | 1 | 0.8% | — |
| 26 | PLANET HOME LENDING, LLC | 1 | 0.8% | — |
| 27 | HIGHTECHLENDING INC | 1 | 0.8% | — |
| 28 | SUMMIT FUNDING, INC. | 1 | 0.8% | — |
| 29 | JMAC LENDING, INC. | 1 | 0.8% | — |
| 30 | FINANCE OF AMERICA REVERSE LLC | 1 | 0.8% | — |
| 31 | SUN AMERICAN MORTGAGE COMPANY | 1 | 0.8% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 1 | 0.8% | — |
| 33 | AMWEST FUNDING CORP. | 1 | 0.8% | — |
| 34 | Bank of Utah | 1 | 0.8% | — |
| 35 | LAKEVIEW LOAN SERVICING, LLC | 1 | 0.8% | — |
| 36 | DIRECT MORTGAGE, CORP. | 1 | 0.8% | — |
| 37 | CANOPY MORTGAGE, LLC | 1 | 0.8% | — |
| 38 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 1 | 0.8% | 9.1% |
Top 38 of 38 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