Rich County
Utah · FIPS 49033
According to CFPB HMDA 2024 application volume among U.S. counties, Rich County ranks #2,378 of 3,210, and #23 of 29 in Utah.
Mortgage lending activity in Rich 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. Rich County, Utah saw 293 HMDA-reported mortgage applications in 2024. Lenders originated 159 of those loans and denied 51, producing a denial rate of 17.4% and an approval (origination) rate of 54.3%. The average loan amount was $418,413 at an average note rate of 7.39%, with applicants self-reporting average annual income of $38K. 50 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.0x, meaning typical borrowers took on mortgages of about 11.0 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 Rich County
In Rich County, lead originator America First Federal Credit Union funded 11.3% of 159 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 32.1% 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 Rich County's 293 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Rich County's $418,413 average loan (deduped against volume peers).
Lenders active in Rich County
America First Federal Credit Union funded 18 of the 159 loans originated in Rich County, 11.3% of the county. 50 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | America First Federal Credit Union | 18 | 11.3% |
| 2 | United Wholesale Mortgage | 17 | 10.7% |
| 3 | Goldenwest Credit Union | 16 | 10.1% |
| 4 | Mountain America Federal Credit Union | 13 | 8.2% |
| 5 | Guild Mortgage Company | 11 | 6.9% |
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 Rich 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 Rich 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.