PlainLender
2024 data HMDA 2024 disclosure official source

Grand County

422 mortgage applications, 28.9% denial rate. Verify FIPS 49019 with U.S. Census Bureau →

PlainLender home → About this data

Utah · FIPS 49019

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.

FIPS 49019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

422
Applications
167
Originated
28.9%
Denial Rate
39.6%
Approval Rate
$410,355
Avg Loan Amount
7.37%
Avg Interest Rate
$38K
Avg Applicant Income
10.8x
Loan-to-Income Ratio

Nearby Lenders in Grand 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 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%
Compare Mountain America Federal Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Grand County?
In the 2024 HMDA reporting year, 422 mortgage applications were filed in Grand County, Utah. Of these, 167 were originated (approved and funded), while 122 were denied, resulting in a denial rate of 28.9%.
What is the mortgage denial rate in Grand County?
The mortgage denial rate in Grand County is 28.9%. The approval (origination) rate is 39.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Grand County?
The average mortgage loan amount in Grand County is $410,355. The average interest rate is 7.369%. The average applicant income is $38K.
What is the loan-to-income ratio in Grand County?
The average loan-to-income ratio in Grand County is 10.8x, meaning borrowers took on loans averaging 10.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Grand County?
The top mortgage lenders in Grand County by origination volume are Mountain America Federal Credit Union, Rocket Mortgage, Primary Residential Mortgage, INC.. In total, 48 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.