Weber County
Utah · FIPS 49057
According to CFPB HMDA 2024 application volume among U.S. counties, Weber County ranks #209 of 3,223, and #4 of 29 in Utah.
Mortgage lending activity in Weber 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. Weber County, Utah lenders denied 2,071 of the applications reported here, financing the rest at an average note rate of 7.17%, with applicants self-reporting average annual income of $39K. 242 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.7x, meaning typical borrowers took on mortgages of about 7.7 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 Weber County
In Weber County, lead originator America First Federal Credit Union funded 24.7% of 8,206 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 41.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Weber County's 14,041 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Weber County's $299,535 average loan (deduped against volume peers).
Lenders active in Weber County
America First Federal Credit Union funded 2,024 of the 8,206 loans originated in Weber County, 24.7% of the county. 242 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | America First Federal Credit Union | 2,024 | 24.7% |
| 2 | United Wholesale Mortgage | 710 | 8.7% |
| 3 | Goldenwest Credit Union | 664 | 8.1% |
| 4 | Intercap Lending Inc | 463 | 5.6% |
| 5 | Guild Mortgage Company | 381 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Weber 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 Weber 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.