Grand County
Utah · FIPS 49019
According to CFPB HMDA 2024 application volume among U.S. counties, Grand County ranks #2,130 of 3,210, and #21 of 29 in Utah.
Mortgage lending activity in Grand County, Utah based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Grand County, Utah saw 422 HMDA-reported mortgage applications in 2024. Lenders originated 167 of those loans and denied 122, producing a denial rate of 28.9% and an approval (origination) rate of 39.6%. The average loan amount was $410,355 at an average note rate of 7.37%, with applicants self-reporting average annual income of $38K. 48 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.8x, meaning typical borrowers took on mortgages of about 10.8 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Grand County
In Grand County, lead originator Mountain America Federal Credit Union funded 16.2% of 167 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 41.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Grand County's 422 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Grand County's $410,355 average loan (deduped against volume peers).
Lenders active in Grand County
Mountain America Federal Credit Union funded 27 of the 167 loans originated in Grand County, 16.2% of the county. 48 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Mountain America Federal Credit Union | 27 | 16.2% |
| 2 | Rocket Mortgage | 22 | 13.2% |
| 3 | Primary Residential Mortgage, INC. | 21 | 12.6% |
| 4 | United Wholesale Mortgage | 11 | 6.6% |
| 5 | 21st Mortgage | 10 | 6.0% |
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; does not constitute financial advice for Grand County borrowers.
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 Grand County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.