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2024 data HMDA 2024 disclosure official source

Rich County

293 mortgage applications, 17.4% denial rate. Verify FIPS 49033 with U.S. Census Bureau →

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Utah · FIPS 49033

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.

FIPS 49033 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

293
Applications
159
Originated
17.4%
Denial Rate
54.3%
Approval Rate
$418,413
Avg Loan Amount
7.39%
Avg Interest Rate
$38K
Avg Applicant Income
11.0x
Loan-to-Income Ratio

Nearby Lenders in Rich 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 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%
Compare America First Federal Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Rich County?
In the 2024 HMDA reporting year, 293 mortgage applications were filed in Rich County, Utah. Of these, 159 were originated (approved and funded), while 51 were denied, resulting in a denial rate of 17.4%.
What is the mortgage denial rate in Rich County?
The mortgage denial rate in Rich County is 17.4%. The approval (origination) rate is 54.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Rich County?
The average mortgage loan amount in Rich County is $418,413. The average interest rate is 7.395%. The average applicant income is $38K.
What is the loan-to-income ratio in Rich County?
The average loan-to-income ratio in Rich County is 11.0x, meaning borrowers took on loans averaging 11.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Rich County?
The top mortgage lenders in Rich County by origination volume are America First Federal Credit Union, United Wholesale Mortgage, Goldenwest Credit Union. In total, 50 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.