Grand County
Utah · FIPS 49019
According to CFPB HMDA 2024 application volume among U.S. counties, Grand County ranks #2,139 of 3,223, 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 lenders denied 122 of the applications reported here, financing the rest 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Grand County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Grand County borrowers. 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.