UT · Statewide HMDA 2024
Utah mortgage lending
According to the CFPB HMDA 2024 Snapshot, 510 reporting lenders · 29 counties · 5 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Utah ranks #26 of 54 by application volume but #10 of 52 states with 10,000+ applications on origination share (56.3%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #10
- Origination-share rank of 52
- 56.3%
- Origination share
- 87,229
- Originated
- 15.4%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
155,000reported applications
CFPB HMDA state filing plate
State UT · Utah 15.4% denial
VOL-MID · DEN-MID · NEAR-PEER · ORIG-LOW · BOOK-FULL · LEAD-MIX
- VOL-MID #26/54
- DEN-MID 15.4%
- NEAR-PEER Virginia
- ORIG-LOW 56.3%
- BOOK-FULL 510 lenders
- LEAD-MIX 14% top
Photo-finish peer: Virginia · 15.5% denial (+0.1pp vs Utah)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Utah
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Utah: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (15.4% here).
Similar application volume
Nearest states by HMDA applications filed (155,000 here).
Top lenders by originations · Utah
Funded loans among HMDA-reporting institutions active in this state.
Where Utah sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
155,000 Top 48% higher than 52% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Utah
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Utah filed 155,000 HMDA-reported applications in 2024 (#26 of 54 by volume) with a 15.4% denial rate - near the national 17.2% baseline. White applicants (112,210 apps) show 16.3% denial; Asian applicants (3,971 apps) show 17.9% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Utah
Top HMDA-reporting lenders active in Utah. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | America First Federal Credit Union | 12,631 | 14.5% |
| 2 | United Wholesale Mortgage | 8,571 | 9.8% |
| 3 | Mountain America Federal Credit Union | 7,154 | 8.2% |
| 4 | Rocket Mortgage | 3,784 | 4.3% |
| 5 | Intercap Lending Inc | 3,735 | 4.3% |
Reported outcomes by applicant race in Utah
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 112,210 | 63.6% | 16.3% |
| Asian | 3,971 | 56.4% | 17.9% |
| Joint | 3,405 | 65.0% | 14.9% |
| Native Hawaiian or Other Pacific Islander | 1,242 | 45.3% | 32.5% |
| Black or African American | 1,110 | 52.5% | 23.5% |
| American Indian or Alaska Native | 992 | 48.0% | 27.5% |
| 2 or more minority races | 213 | 47.4% | 30.1% |
Every county in Utah, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Salt Lake County | 47,766 | 26,411 | 17.0% | $330,536 |
| Utah County | 32,133 | 18,293 | 13.7% | $352,065 |
| Davis County | 15,945 | 9,524 | 14.3% | $306,069 |
| Weber County | 14,041 | 8,206 | 14.8% | $299,535 |
| Washington County | 11,358 | 6,321 | 13.5% | $359,853 |
| Tooele County | 5,886 | 3,247 | 15.8% | $280,668 |
| Cache County | 5,184 | 3,063 | 14.3% | $279,010 |
| Box Elder County | 3,226 | 1,921 | 13.9% | $353,190 |
| Iron County | 3,200 | 1,794 | 14.8% | $279,894 |
| Wasatch County | 2,793 | 1,558 | 13.8% | $694,635 |
| Summit County | 2,677 | 1,472 | 17.0% | $868,347 |
| Uintah County | 1,743 | 890 | 20.7% | $201,443 |
| Sanpete County | 1,102 | 607 | 17.7% | $250,817 |
| Sevier County | 1,000 | 587 | 15.8% | $220,620 |
| Duchesne County | 979 | 484 | 19.9% | $213,386 |
| Carbon County | 967 | 495 | 15.6% | $205,931 |
| Morgan County | 694 | 396 | 14.0% | $422,392 |
| Kane County | 605 | 329 | 14.2% | $304,339 |
| Juab County | 519 | 307 | 14.3% | $274,711 |
| Millard County | 509 | 275 | 17.3% | $222,583 |
| Grand County | 422 | 167 | 28.9% | $410,355 |
| San Juan County | 330 | 154 | 23.3% | $234,970 |
| Rich County | 293 | 159 | 17.4% | $418,413 |
| Emery County | 286 | 154 | 19.9% | $177,727 |
| Garfield County | 275 | 134 | 21.8% | $227,109 |
| Beaver County | 255 | 123 | 26.3% | $192,529 |
| Wayne County | 110 | 57 | 14.6% | $248,818 |
| Daggett County | 60 | 25 | 36.7% | $231,833 |
| Piute County | 57 | 31 | 19.3% | $180,088 |
Metro Areas in Utah
Frequently Asked Questions
How many mortgage applications were filed in Utah?
Where does Utah sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Utah?
What is the average mortgage loan amount in Utah?
How many mortgage lenders operate in Utah?
How do mortgage denial rates vary by demographics in Utah?
Which counties in Utah have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.