Utah Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 170,818 mortgage applications in Utah totaling $63.6 billion, up 11% from 2024. The average application was for $372,000, and applicants reported an average income of $172,000. 56% of applications resulted in an originated loan and 14% were denied. The most active lenders were America First Federal Credit Union (16,303 applications), Mountain America Federal Credit Union and United Wholesale Mortgage.
See the top mortgage lenders in Utah, browse lending by metro area and by county, or see the mortgage lenders headquartered in Utah and Utah lenders by city.
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Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Utah's mortgage market trends.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 170,818 |
| Total Mortgage Loan Application Amount | $63,645,315,000 |
| Average Mortgage Loan Application Amount | $372,000 |
| Highest Mortgage Loan Application Amount | $98,295,000 |
| Average Applicant Income | $172,000 |
| Highest Applicant Income | $9,979,000 |
Top 25 Mortgage Lenders in Utah (2025)
Ranked by the number of mortgage applications each lender received for properties in Utah in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of Utah mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Utah.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | America First Federal Credit Union Riverdale, UT |
16,303 | $2,543,635,000 | $156,022 | $151,038 |
| 2 | Mountain America Federal Credit Union Sandy, UT |
15,415 | $2,872,485,000 | $186,343 | $137,206 |
| 3 | United Wholesale Mortgage Plymouth, MI |
11,352 | $5,343,640,000 | $470,722 | $170,922 |
| 4 | PennyMac Loan Services LLC Westlake Village, CA |
6,527 | $2,814,345,000 | $431,185 | $164,996 |
| 5 | Guild Mortgage Company San Diego, CA |
5,477 | $2,136,835,000 | $390,146 | $142,645 |
| 6 | Intercap Lending Inc Salt Lake City, UT |
4,881 | $2,023,195,000 | $414,504 | $153,155 |
| 7 | Goldenwest Federal Credit Union Ogden, UT |
4,358 | $998,000,000 | $229,004 | $163,096 |
| 8 | JPMorgan Chase Bank, NA Columbus, OH |
3,668 | $1,648,170,000 | $449,337 | $226,644 |
| 9 | First Colony Mortgage Corporat Orem, UT |
3,531 | $1,538,555,000 | $435,727 | $160,341 |
| 10 | Newrez LLC Fort Washington, PA |
3,469 | $1,455,655,000 | $419,618 | $187,742 |
| 11 | Kind Lending, LLC Irvine, CA |
3,227 | $1,481,385,000 | $459,059 | $173,275 |
| 12 | Zions Bancorporation, N.A. Denver, CO |
3,021 | $1,649,725,000 | $546,085 | $283,800 |
| 13 | Freedom Mortgage Corporation Boca Raton, FL |
2,774 | $1,251,560,000 | $451,175 | $141,959 |
| 14 | Utah Community Credit Union Provo, UT |
2,575 | $619,885,000 | $240,732 | $177,092 |
| 15 | Nationstar Mortgage Coppell, TX |
2,572 | $821,790,000 | $319,513 | $123,825 |
| 16 | The Loan Store, Inc Tucson, AZ |
2,524 | $1,153,465,000 | $456,998 | $191,623 |
| 17 | Securitynational Mortgage Company Salt Lake City, UT |
2,466 | $930,945,000 | $377,512 | $134,775 |
| 18 | PHH Mortgage Corporation West Palm Beach, FL |
2,296 | $1,121,770,000 | $488,575 | $87,457 |
| 19 | Cyprus Federal Credit Union West Jordan, UT |
1,807 | $355,555,000 | $196,765 | $155,320 |
| 20 | US Bank, N.A. Cincinnati, OH |
1,653 | $795,035,000 | $480,964 | $274,506 |
| 21 | Canyon View Credit Union Salt Lake City, UT |
1,637 | $263,785,000 | $161,139 | $169,261 |
| 22 | Utah First Credit Union Salt Lake City, UT |
1,594 | $271,860,000 | $170,552 | $178,604 |
| 23 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
1,589 | $651,935,000 | $410,280 | $126,835 |
| 24 | DHI Mortgage Company, Ltd. Austin, TX |
1,575 | $636,685,000 | $404,244 | $154,153 |
| 25 | Lakeview Loan Servicing, LLC Coral Gables, FL |
1,565 | $604,375,000 | $386,182 | $132,866 |
The tables below break down 2025 mortgage applications in Utah by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Utah in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 75,083 | $36,297,570,000 | $483,000 | $98,295,000 | $184,000 | $9,241,000 |
| Refinancing | 33,817 | $13,947,700,000 | $412,000 | $78,785,000 | $177,000 | $9,813,000 |
| Cash-out Refinancing | 24,601 | $7,853,245,000 | $319,000 | $83,505,000 | $155,000 | $9,979,000 |
| Other Purpose | 19,941 | $3,054,555,000 | $153,000 | $87,565,000 | $159,000 | $9,722,000 |
| Home Improvement | 17,259 | $2,465,390,000 | $142,000 | $33,765,000 | $160,000 | $9,096,000 |
| Not Applicable | 117 | $26,855,000 | $229,000 | $2,755,000 | $87,000 | $309,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 108,189 | $37,577,170,000 | $347,000 | $18,625,000 | $177,000 | $9,979,000 |
| Hispanic | 19,405 | $5,621,250,000 | $289,000 | $8,715,000 | $123,000 | $5,161,000 |
| Not applicable | 19,090 | $11,110,665,000 | $582,000 | $98,295,000 | $197,000 | $7,065,000 |
| Not Provided | 15,939 | $6,289,485,000 | $394,000 | $10,755,000 | $199,000 | $9,722,000 |
| Asian | 4,535 | $1,847,155,000 | $407,000 | $5,305,000 | $186,000 | $6,761,000 |
| Native Hawaiian or Other Pacific Islander | 1,414 | $502,080,000 | $355,000 | $87,565,000 | $154,000 | $3,191,000 |
| Black or African American | 1,302 | $427,150,000 | $328,000 | $1,895,000 | $142,000 | $1,680,000 |
| American Indian or Alaskan Native | 938 | $268,270,000 | $286,000 | $3,005,000 | $143,000 | $5,645,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 137,063 | $48,662,885,000 | $355,000 | $98,295,000 | $185,000 | $9,979,000 |
| FHA-insured (Federal Housing Administration) | 23,831 | $10,023,180,000 | $420,000 | $65,915,000 | $105,000 | $3,600,000 |
| VA-guaranteed (Veterans Administration) | 9,559 | $4,836,445,000 | $505,000 | $3,255,000 | $129,000 | $1,910,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 365 | $122,805,000 | $336,000 | $635,000 | $96,000 | $284,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 95,941 | $36,235,300,000 | $377,000 | $98,295,000 | $177,000 | $9,722,000 |
| Application Denied By Financial Institution | 24,033 | $6,411,385,000 | $266,000 | $53,805,000 | $140,000 | $9,096,000 |
| Loan Purchased By The Institution | 19,450 | $8,588,950,000 | $441,000 | $4,975,000 | $195,000 | $7,065,000 |
| Application Withdrawn By Applicant | 19,318 | $8,356,170,000 | $432,000 | $87,565,000 | $181,000 | $9,813,000 |
| File Closed For Incompleteness | 6,021 | $1,995,665,000 | $331,000 | $11,815,000 | $176,000 | $9,979,000 |
| Application Approved But Not Accepted | 5,860 | $1,968,520,000 | $335,000 | $10,005,000 | $187,000 | $7,886,000 |
| Preapproval Approved but not Accepted | 172 | $78,310,000 | $455,000 | $2,285,000 | $173,000 | $1,200,000 |
| Preapproval Denied by Financial Institution | 23 | $11,015,000 | $478,000 | $2,005,000 | $139,000 | $540,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 146,219 | $56,850,750,000 | $388,000 | $98,295,000 | $178,000 | $9,979,000 |
| Debt-To-Income Ratio | 10,809 | $3,049,365,000 | $282,000 | $65,915,000 | $109,000 | $9,096,000 |
| Credit History | 4,096 | $798,850,000 | $195,000 | $4,005,000 | $132,000 | $7,500,000 |
| Collateral | 3,159 | $919,945,000 | $291,000 | $4,205,000 | $216,000 | $5,500,000 |
| Other | 2,381 | $652,555,000 | $274,000 | $53,805,000 | $164,000 | $7,150,000 |
| Credit Application Incomplete | 2,051 | $577,035,000 | $281,000 | $2,665,000 | $173,000 | $5,299,000 |
| Unverifiable Information | 1,276 | $430,180,000 | $337,000 | $3,145,000 | $179,000 | $4,800,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 618 | $291,870,000 | $472,000 | $2,805,000 | $189,000 | $4,403,000 |
| Employment History | 201 | $66,615,000 | $331,000 | $3,185,000 | $133,000 | $1,251,000 |
| Mortgage Insurance Denied | 8 | $8,150,000 | $1,018,000 | $2,665,000 | $87,000 | $99,000 |
Mortgage Loan Application Totals in 2025 by Utah Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Logan, UT-ID | 5,737 | $ 1,873,355,000 | $ 326,000 | $ 142,000 |
| Ogden-Clearfield, UT | 33,918 | $ 11,106,895,000 | $ 327,000 | $ 151,000 |
| Provo-Orem, UT | 36,325 | $ 13,924,095,000 | $ 383,000 | $ 172,000 |
| Salt Lake City, UT | 57,799 | $ 21,160,185,000 | $ 366,000 | $ 163,000 |
| St. George, UT | 13,194 | $ 5,083,240,000 | $ 385,000 | $ 190,000 |
Mortgage Loan Application Totals in 2025 by Utah County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Beaver | 334 | $ 82,240,000 | $ 246,000 | $ 127,000 |
| Box Elder | 3,594 | $ 1,036,810,000 | $ 288,000 | $ 117,000 |
| Cache | 5,737 | $ 1,873,355,000 | $ 326,000 | $ 142,000 |
| Carbon | 1,108 | $ 219,220,000 | $ 197,000 | $ 97,000 |
| Daggett | 70 | $ 17,950,000 | $ 256,000 | $ 190,000 |
| Davis | 17,468 | $ 5,848,650,000 | $ 334,000 | $ 158,000 |
| Duchesne | 955 | $ 225,925,000 | $ 236,000 | $ 137,000 |
| Emery | 375 | $ 75,195,000 | $ 200,000 | $ 95,000 |
| Garfield | 302 | $ 75,060,000 | $ 248,000 | $ 138,000 |
| Grand | 389 | $ 169,615,000 | $ 436,000 | $ 201,000 |
| Iron | 3,746 | $ 1,190,240,000 | $ 317,000 | $ 144,000 |
| Juab | 635 | $ 183,525,000 | $ 289,000 | $ 119,000 |
| Kane | 725 | $ 232,065,000 | $ 320,000 | $ 194,000 |
| Millard | 567 | $ 124,715,000 | $ 219,000 | $ 112,000 |
| Morgan | 817 | $ 394,815,000 | $ 483,000 | $ 245,000 |
| Piute | 73 | $ 14,245,000 | $ 195,000 | $ 100,000 |
| Rich | 324 | $ 132,690,000 | $ 409,000 | $ 232,000 |
| Salt Lake | 51,795 | $ 19,405,795,000 | $ 374,000 | $ 168,000 |
| San Juan | 352 | $ 89,670,000 | $ 254,000 | $ 120,000 |
| Sanpete | 1,359 | $ 386,075,000 | $ 284,000 | $ 127,000 |
| Sevier | 1,141 | $ 261,455,000 | $ 229,000 | $ 114,000 |
| Summit | 3,118 | $ 2,997,910,000 | $ 961,000 | $ 517,000 |
| Tooele | 6,004 | $ 1,754,390,000 | $ 292,000 | $ 122,000 |
| Uintah | 2,060 | $ 476,480,000 | $ 231,000 | $ 114,000 |
| Utah | 35,690 | $ 13,740,570,000 | $ 384,000 | $ 173,000 |
| Wasatch | 3,132 | $ 2,654,510,000 | $ 847,000 | $ 452,000 |
| Washington | 13,194 | $ 5,083,240,000 | $ 385,000 | $ 190,000 |
| Wayne | 121 | $ 35,475,000 | $ 293,000 | $ 136,000 |
| Weber | 15,633 | $ 4,863,430,000 | $ 311,000 | $ 137,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into Utah's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Utah's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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