PlainLender
2024 data HMDA 2024 disclosure official source

Box Elder County

3,226 mortgage applications, 13.9% denial rate. Verify FIPS 49003 with U.S. Census Bureau →

PlainLender home → About this data

Utah · FIPS 49003

Local mortgage market. Box Elder County, Utah saw 3,226 HMDA-reported mortgage applications in 2024. Lenders originated 1,921 of those loans and denied 448, producing a denial rate of 13.9% and an approval (origination) rate of 59.5%. The average loan amount was $353,190 at an average note rate of 7.15%, with applicants self-reporting average annual income of $39K. 147 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 9.1x, meaning typical borrowers took on mortgages of about 9.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 49003 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,226
Applications
1,921
Originated
13.9%
Denial Rate
59.5%
Approval Rate
$353,190
Avg Loan Amount
7.15%
Avg Interest Rate
$39K
Avg Applicant Income
9.1x
Loan-to-Income Ratio

Nearby Lenders in Box Elder County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 America First Federal Credit Union 366 19.1%
2 United Wholesale Mortgage 172 9.0%
3 Guild Mortgage Company 145 7.5%
4 Intercap Lending Inc 142 7.4%
5 Goldenwest Credit Union 124 6.5%
Compare America First Federal Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Box Elder County?
In the 2024 HMDA reporting year, 3,226 mortgage applications were filed in Box Elder County, Utah. Of these, 1,921 were originated (approved and funded), while 448 were denied, resulting in a denial rate of 13.9%.
What is the mortgage denial rate in Box Elder County?
The mortgage denial rate in Box Elder County is 13.9%. The approval (origination) rate is 59.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Box Elder County?
The average mortgage loan amount in Box Elder County is $353,190. The average interest rate is 7.149%. The average applicant income is $39K.
What is the loan-to-income ratio in Box Elder County?
The average loan-to-income ratio in Box Elder County is 9.1x, meaning borrowers took on loans averaging 9.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Box Elder County?
The top mortgage lenders in Box Elder County by origination volume are America First Federal Credit Union, United Wholesale Mortgage, Guild Mortgage Company. In total, 147 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.