Morgan County
Utah · FIPS 49029
According to CFPB HMDA 2024 application volume among U.S. counties, Morgan County ranks #1,753 of 3,223, and #17 of 29 in Utah.
Mortgage lending activity in Morgan 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. Morgan County, Utah lenders denied 97 of the applications reported here, financing the rest at an average note rate of 7.28%, with applicants self-reporting average annual income of $37K. 72 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.4x, meaning typical borrowers took on mortgages of about 11.4 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 Morgan County
In Morgan County, lead originator America First Federal Credit Union funded 17.2% of 396 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 40.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Morgan County's 694 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Morgan County's $422,392 average loan (deduped against volume peers).
Lenders active in Morgan County
America First Federal Credit Union funded 68 of the 396 loans originated in Morgan County, 17.2% of the county. 72 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | America First Federal Credit Union | 68 | 17.2% |
| 2 | Goldenwest Credit Union | 59 | 14.9% |
| 3 | United Wholesale Mortgage | 35 | 8.8% |
| 4 | Intercap Lending Inc | 28 | 7.1% |
| 5 | HomeAmerican Mortgage Corporation | 16 | 4.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Morgan 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 Morgan 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.