Iron County
Utah · FIPS 49021
According to CFPB HMDA 2024 application volume among U.S. counties, Iron County ranks #689 of 3,210, and #9 of 29 in Utah.
Mortgage lending activity in Iron 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. Iron County, Utah saw 3,200 HMDA-reported mortgage applications in 2024. Lenders originated 1,794 of those loans and denied 474, producing a denial rate of 14.8% and an approval (origination) rate of 56.1%. The average loan amount was $279,894 at an average note rate of 7.17%, with applicants self-reporting average annual income of $38K. 161 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.4x, meaning typical borrowers took on mortgages of about 7.4 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 Iron County
In Iron County, lead originator Mountain America Federal Credit Union funded 14.8% of 1,794 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 36.3% 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 Iron County's 3,200 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Iron County's $279,894 average loan (deduped against volume peers).
Lenders active in Iron County
Mountain America Federal Credit Union funded 266 of the 1,794 loans originated in Iron County, 14.8% of the county. 161 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Mountain America Federal Credit Union | 266 | 14.8% |
| 2 | State Bank of Southern Utah | 208 | 11.6% |
| 3 | United Wholesale Mortgage | 177 | 9.9% |
| 4 | Guild Mortgage Company | 129 | 7.2% |
| 5 | America First Federal Credit Union | 86 | 4.8% |
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 Iron 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 Iron 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.