Summit County
Utah · FIPS 49043
According to CFPB HMDA 2024 application volume among U.S. counties, Summit County ranks #782 of 3,223, and #11 of 29 in Utah.
Mortgage lending activity in Summit 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. Summit County, Utah lenders denied 454 of the applications reported here, financing the rest at an average note rate of 7.29%, with applicants self-reporting average annual income of $37K. 203 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 23.5x, meaning typical borrowers took on mortgages of about 23.5 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 Summit County
In Summit County, lead originator Zions Bancorporation, N.A. funded only 7.5% of 1,472 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Summit County's 2,677 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Summit County's $868,347 average loan (deduped against volume peers).
Lenders active in Summit County
Zions Bancorporation, N.A. funded 111 of the 1,472 loans originated in Summit County, 7.5% of the county. 203 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Zions Bancorporation, N.A. | 111 | 7.5% |
| 2 | United Wholesale Mortgage | 105 | 7.1% |
| 3 | America First Federal Credit Union | 102 | 6.9% |
| 4 | Mountain America Federal Credit Union | 98 | 6.7% |
| 5 | Us Bank, N.A. | 70 | 4.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Summit 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 Summit 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.