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Market/State markets/Utah

STATE MARKET PROFILE · HMDA PUBLIC DATA

Utah mortgage market

Who lends in Utah, how much, and how it is changing — origination volume, denial rates, the top lenders by volume, and the purchase vs refinance mix, 2018–2025, from HMDA public data. Figures are as of activity year 2025 (latest available). Free — no account required.

Origination volume · 2025

$36.70B

+22.9% vs 2024

Origination volumeSum of loan amount over HMDA records with action taken = 1.2024: $29.87B

Originations · 2025

95,957

+10.0% vs 2024

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.$36.70B in volume

Denial rate · 2025

16.0%

denied / actioned
Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).U.S.: 18.0%

HMDA reporters · 2025

593

HMDA reporters
HMDA reportersDistinct LEIs that filed a HMDA LAR for the activity year. 2024 = 4,908.2024: 588 reporters

Rank among states & territories

#22

of 54 states & territories by volume

Utah's rank by origination volume in 2025

Share of U.S. volume

1.5%

U.S. $2.41T

Share of national origination volume

Median loan amount

$315K

U.S. $245K

Midpoint-rounded median loan amount on originations

Top lender

United Wholesale Mortgage

11.4% of the state

$4.19B originated in Utah, 2025
◈

MARKET SHARE

United Wholesale Mortgage led Utah in 2025 with $4.19B — 11.4% of the state's disclosed volume. Utah ranks #22 of 54 states & territories by origination volume, 1.5% of the national total. Statewide volume rose +22.9% from 2024.

Origination volume by year

Utah dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS

Loan purpose mix

Share of 2025 ORIGINATED LOANS — a unit mix. No source publishes purpose-level dollars, so this is never a $ share.

Purchase46%Purchase · 46%44,237
Refinance32%Refinance · 32%30,883
Other purposes22%Other purposes · 22%20,837

Denial rate by year

Utah vs the U.S. · denials / actioned applications

% · STATE VS U.S.

Agency channel mix

Share of 2025 originations

Conventional82%Conventional · 82%78,209
FHA13%FHA · 13%12,642
VA5%VA · 5%4,941
USDA / RHS0%USDA / RHS · 0%165

Lenders in Utah · 2025

All 593 lenders that reported in Utah, ranked by origination volume · sort, filter and export any of them · each row opens the company profile

1United Wholesale Mortgage8,957$4.19B11.4%

+7.3%

2Rocket Mortgage4,780$1.69B4.6%

+30.7%

3America First Federal Credit Union11,759$1.65B4.5%

+7.0%

4Guild Mortgage3,981$1.56B4.3%

+33.3%

5Intercap Lending3,672$1.51B4.1%

+4.5%

6Mountain America Federal Credit Union7,223$1.33B3.6%

+9.5%

7First Colony Mortgage Corporat2,983$1.29B3.5%

+13.0%

8Kind Lending2,249$1.03B2.8%

+54.5%

9Zions Bancorporation1,755$970.9M2.6%

+22.2%

10The Loan Store1,917$809.4M2.2%

+76.4%

11Goldenwest Federal Credit Union3,015$646.3M1.8%

+36.9%

12Securitynational Mortgage1,700$622.2M1.7%

+16.3%

13My Move Mortgage1,140$554.0M1.5%

+19.1%

14Walker & Dunlop12$533.2M1.5%

+284.1%

15JPMorgan Chase Bank483$504.5M1.4%

+76.1%

16PennyMac Loan Services1,214$476.2M1.3%

+62.8%

17DHI Mortgage1,170$472.2M1.3%

−20.5%

18U.S. Bank726$447.0M1.2%

+36.4%

19Fairway Independent Mortgage934$442.2M1.2%

+35.1%

20CrossCountry Mortgage745$381.0M1.0%

+32.7%

21Utah Community Credit Union1,549$365.6M1.0%

−5.8%

22Plains Commerce Bank934$316.2M0.9%

+46.9%

23Freedom Mortgage726$312.6M0.9%

+54.4%

24Provident Funding Associates642$299.9M0.8%

+24.2%

25NewRez687$291.7M0.8%

+59.0%

26RANLife712$269.1M0.7%

+17.4%

27Bank of Utah696$267.9M0.7%

+1.0%

28Berkadia Commercial Mortgage8$256.9M0.7%

−28.3%

29Security Home Mortgage576$252.4M0.7%

+18.9%

30loanDepot778$245.3M0.7%

+39.9%

31Wells Fargo Bank209$242.7M0.7%

+23.6%

32Citibank63$238.3M0.6%

+119.5%

33Lennar Mortgage552$238.2M0.6%

+2.3%

34Canopy Mortgage513$234.9M0.6%

+26.3%

35Bank of America258$222.1M0.6%

+49.7%

36Cyprus Federal Credit Union1,104$216.7M0.6%

+18.9%

37Mortgage Research Center447$206.1M0.6%

+41.3%

38Morgan Stanley Private Bank138$195.4M0.5%

+37.2%

39American Pacific Mortgage445$187.7M0.5%

+82.1%

40Guaranteed Rate401$186.1M0.5%

+10.4%

41Nationstar Mortgage914$179.0M0.5%

+32.3%

42PNC Bank133$178.7M0.5%

+162.2%

43Utah First Credit Union994$176.1M0.5%

+33.0%

44New American Funding540$174.7M0.5%

+20.2%

45Direct Rate Home Loans334$169.8M0.5%

+2796.8%

46Homeamerican Mortgage300$169.3M0.5%

−10.3%

47Canyon View Credit Union979$160.2M0.4%

+21.7%

48Paramount Residential Mortgage406$154.1M0.4%

+21.3%

49Deseret First Credit Union775$150.7M0.4%

+33.9%

50Security Service507$146.2M0.4%

−28.2%

51CLM Mortgage305$144.5M0.4%

−3.1%

52Glacier Bank269$141.3M0.4%

+9.4%

53CMG Mortgage293$140.7M0.4%

+31.8%

54UMB Bank17$139.4M0.4%

+3019.4%

55AmWest Funding295$138.8M0.4%

+19.1%

56Sun American Mortgage358$138.2M0.4%

+3.6%

57Primary Residential Mortgage355$137.6M0.4%

+19.7%

58Patriot Home Mortgage282$132.5M0.4%

+28.1%

59Cache Valley Bank274$131.8M0.4%

+30.4%

60Veritas Funding278$126.4M0.3%

−13.4%

61Northmarq Capital Finance, L.L.C4$124.3M0.3%

+8.1%

62State Bank of Southern Utah595$122.3M0.3%

−7.4%

63Northpointe Bank207$114.7M0.3%

+37.0%

64Better Mortgage253$113.4M0.3%

+425.6%

65Lakeview Loan Servicing328$112.0M0.3%

+52.3%

66Charles Schwab Bank84$108.7M0.3%

+149.6%

67PGIM Real Estate Finance2$106.5M0.3%—
68Nationwide Life Insurance Company2$103.0M0.3%—
69Lendsure Mortgage146$100.6M0.3%

+79.8%

70Chartway FCU469$99.6M0.3%

+23.7%

71Gardner Financial Services203$96.4M0.3%

+51.6%

72M&T Realty Capital3$96.2M0.3%

−0.0%

73Sierra Pacific Mortgage215$91.3M0.2%

+24.8%

74CBRE Multifamily Capital4$89.6M0.2%

−7.8%

75JMAC Lending153$85.2M0.2%

+118.2%

76PrimeLending200$83.8M0.2%

+40.1%

77Central Bank138$83.5M0.2%

+90.4%

78Mutual of Omaha Mortgage215$83.3M0.2%

+42.6%

79American Financial Network196$83.1M0.2%

+38.7%

80Navy Federal Credit Union275$80.3M0.2%

−0.3%

81UBS Bank USA52$79.1M0.2%

−7.6%

82Ark-La-Tex Financial Services180$78.9M0.2%

+0.8%

83Citadel Servicing119$76.8M0.2%

+26.6%

84Washington Federal15$76.5M0.2%

+6.3%

85Guaranteed Rate Affinity184$75.5M0.2%

+54.7%

86Village Capital & Investment153$75.4M0.2%

+33.7%

87Planet Home Lending185$74.7M0.2%

+103.5%

88Conventus Lending96$74.0M0.2%

+4686.4%

89BMO Harris Bank82$73.7M0.2%

−27.5%

90Plaza Home Mortgage200$73.1M0.2%

−11.7%

91Nest Home Lending177$70.2M0.2%

+35.0%

92Nexera Holding111$69.5M0.2%

+65.7%

93American Financial Resources164$68.0M0.2%

+321.8%

94Granite Federal Credit Union247$67.8M0.2%

+51.3%

95Resicentral167$67.6M0.2%

−23.4%

96Inspire Home Loans146$67.2M0.2%

+130.4%

97Longbridge Financial193$64.6M0.2%

+25.3%

98MidFirst Bank42$63.3M0.2%

+64.7%

99Keybank136$61.0M0.2%

−6.8%

100Goldman Sachs Bank USA31$60.9M0.2%

+159.2%

101Banterra Bank26$58.3M0.2%

+141.3%

102Lima One Capital36$58.3M0.2%

+251.8%

103Alliant Credit Union192$58.1M0.2%

+58.5%

104PHH Mortgage157$57.4M0.2%

+83.0%

105Premier Mortgage Resources193$56.8M0.2%

+44.1%

106Sage Home Loans100$56.1M0.2%

+263.2%

107Lower129$56.0M0.2%

+23.4%

108Sofi Bank230$55.8M0.2%

+127.3%

109Citizens Bank20$55.2M0.2%

+161.0%

110NewPoint Real Estate Capital2$54.0M0.1%—
111Spring EQ417$52.9M0.1%

+27.1%

112Union Home Mortgage116$52.3M0.1%

+109.9%

113MortgageOne99$50.1M0.1%

+218.0%

114OCMBC112$49.0M0.1%

+130.6%

115JLL Real Estate Capital1$47.6M0.1%—
116Deephaven Mortgage86$46.4M0.1%

+24.4%

117Finance of America Reverse152$46.2M0.1%

+23.2%

118Direct Mortgage109$46.2M0.1%

−66.9%

119HomeXpress Mortgage79$46.1M0.1%

+28.7%

120Utah Power Credit Union246$46.0M0.1%

+140.5%

121Huntington National Bank42$45.0M0.1%

−19.8%

122BOKF6$44.9M0.1%

−45.6%

123PGIM Real Estate Agency Financing1$44.4M0.1%

−67.4%

124Lument Real Estate Capital4$43.6M0.1%

+2853.9%

125Stifel Bank & Trust38$43.0M0.1%

+48.8%

126SWBC Mortgage102$42.1M0.1%

+7.4%

127NBH Bank35$41.1M0.1%

−19.0%

128The90$40.7M0.1%

−2.9%

129Banner Bank1$40.0M0.1%—
130Hometown Equity Mortgage73$39.8M0.1%

−16.0%

131Cornerstone First Mortgage83$38.9M0.1%

+120.9%

132Equity Prime Mortgage93$38.1M0.1%

+15.7%

133Change Lending54$37.7M0.1%

+94.6%

134Alameda Mortgage129$36.8M0.1%

−47.9%

135Raymond James Bank29$36.8M0.1%

+98.0%

136Gold Star Mortgage Financial Group79$35.0M0.1%

+12.1%

137VanDyk Mortgage84$35.0M0.1%

+19.0%

138First National Bank of Omaha3$33.5M0.1%

+67.5%

139Champions Funding59$33.5M0.1%

+114.0%

140ClearEdge Lending47$33.5M0.1%

+287.9%

141Nexbank49$33.4M0.1%

+56.5%

142Northwestern Mutual1$32.8M0.1%

−62.1%

143Sun West Mortgage71$32.1M0.1%

+36.7%

144NBKC Bank62$31.0M0.1%

−19.3%

145T2 Financial57$30.9M0.1%

+5000.0%

146Arc Home56$30.8M0.1%

+31.7%

147Carrington Mortgage Services125$30.5M0.1%

−0.0%

148Cornerstone Capital Bank69$29.0M0.1%

+38.7%

149Amerisave Mortgage196$29.0M0.1%

+8.6%

150Utah Mortgage Loan69$28.7M0.1%

−7.0%

151Figure Lending300$28.2M0.1%

−15.5%

152Goodleap152$28.1M0.1%

+101.6%

153USAA Federal Savings Bank63$27.6M0.1%

−26.3%

154HSBC Bank USA10$26.9M0.1%

+264.5%

155Northbrook Bank & Trust Company6$26.6M0.1%

+183.8%

156Berkeley Point Capital2$26.4M0.1%—
157Toll Brothers Mortgage39$26.3M0.1%

+55.9%

158Barrington Bank & Trust Company44$25.4M0.1%

+1.3%

159HomeBridge Financial Services109$25.2M0.1%

+84.3%

160Ameritrust Mortgage32$24.3M0.1%

+35.8%

161American Financing98$24.2M0.1%

+18.2%

162A&D Mortgage48$23.6M0.1%

+117.8%

163Angel Oak Mortgage Solutions39$22.8M0.1%

−16.7%

164Coastal Community Bank252$22.6M0.1%

+61.9%

165Flagstar Bank37$21.8M0.1%

−62.4%

166AmeriHome Mortgage48$21.2M0.1%

+110.4%

167Truist Bank17$19.9M0.1%

+68.0%

168City National Bank12$19.9M0.1%

+168.1%

169First Federal Bank34$19.8M0.1%

+35.3%

170Movement Mortgage43$19.4M0.1%

+6.7%

171Residential Wholesale Mortgage60$19.1M0.1%

−5.1%

172Castle & Cooke Mortgage47$18.9M0.1%

−74.0%

173City National Bank of Florida1$18.6M0.1%

+2366.9%

174Genisys Credit Union18$18.5M0.1%—
175Greystone Servicing5$18.2M0.0%

−66.8%

176Verus19$18.1M0.0%—
177Everett Financial32$17.5M0.0%

+180.0%

178Emporium Tpo19$17.2M0.0%

+4.4%

179Bay Equity37$17.1M0.0%

−48.2%

180M&T Bank24$17.1M0.0%

+104.1%

181Bny Mellon9$16.7M0.0%

+41.1%

182First Citizens Bank & Trust12$16.6M0.0%

+2.1%

183Peoples Mortgage43$16.4M0.0%

+50.0%

184Franklin Loan37$16.3M0.0%

+75.1%

185Encompass Lending Group, L.P39$16.1M0.0%

+114.1%

186Triad Financial Services179$15.9M0.0%

+87.0%

187The Northern Trust Co6$15.7M0.0%

+467.1%

188D. L. Evans Bank32$15.5M0.0%

+3.3%

189Traditional Mortgage Acceptance60$14.8M0.0%

+10.4%

190Click n' Close46$14.8M0.0%

+43.2%

191V.I.P. Mortgage33$14.7M0.0%

+231.4%

19221st Mortgage146$14.6M0.0%

−14.8%

193Jordan Credit Union47$14.5M0.0%

+404.2%

194Baxter Credit Union16$14.5M0.0%

+274.2%

195Pulte Mortgage26$14.3M0.0%

+472.3%

196Generations Home Loans30$14.1M0.0%

+191.4%

197American United FCU99$14.0M0.0%

−36.3%

198Filo Mortgage28$14.0M0.0%

+59.9%

199Envoy Mortgage32$13.7M0.0%

+2081.0%

200Oaktree Funding22$13.6M0.0%

+45.5%

201Cardinal Financial Company, Li34$13.6M0.0%

−57.9%

202American Heritage Lending19$13.5M0.0%

+407.1%

203Pivot Financial Partners32$13.4M0.0%—
204Premia Mortgage22$13.2M0.0%

+9.9%

205HomeStreet Bank1$12.9M0.0%

+3932.8%

206Regions Bank7$12.8M0.0%

+240.4%

207Priority Home Mortgage, L.P23$12.5M0.0%—
208Fundloans Capital17$12.5M0.0%

+49.1%

209Five Star Bank1$12.4M0.0%—
210Zillow Home Loans30$12.4M0.0%

+75.5%

211Axos Bank8$12.1M0.0%

+137.7%

212Maple Mark Bank1$12.0M0.0%—
213Georgia's Own Credit Union32$11.9M0.0%

−17.8%

214American Internet Mortgage28$11.7M0.0%

+115.0%

215United Nations Federal Credit Union14$11.7M0.0%

+53.4%

216Pentagon Federal Credit Union43$11.6M0.0%

+57.0%

217Greenbox Loans13$11.3M0.0%

+226.2%

218Synergy One Lending17$11.2M0.0%

−57.0%

219Ameris Bank23$10.7M0.0%

−40.4%

220Ascent Federal Credit Union80$10.6M0.0%

−26.0%

221Luminate Bank34$10.6M0.0%—
222University Bank17$10.4M0.0%

+63.8%

223Wasatch Peaks Federal Credit Union42$10.3M0.0%

−22.3%

224Nmsi20$10.2M0.0%

−12.1%

225RoundPoint Mortgage Servicing33$10.0M0.0%

+203.6%

226Bell Bank6$10.0M0.0%

+331.2%

227Quorum Federal Credit Union63$9.9M0.0%

+15.3%

228Farmers Bank & Trust16$9.8M0.0%

+41.3%

229Discover Bank91$9.6M0.0%

−74.2%

230Network Funding, L.P27$9.5M0.0%

−28.5%

231Agwest Farm Credit, Flca13$9.4M0.0%

−21.6%

232Alpine Credit Union61$9.2M0.0%—
233Cake Mortgage11$9.0M0.0%

+1508.0%

234Magnolia Bank22$8.8M0.0%

−0.5%

235Gateway First Bank22$8.7M0.0%

+730.5%

236Grand Valley Bank12$8.6M0.0%

+21.3%

237Presidential Bank20$8.4M0.0%

+391.5%

238Temple View Capital Funding6$8.3M0.0%

+318.7%

239NQM Funding12$8.3M0.0%

+215.5%

240All Credit Considered Mortgage24$8.0M0.0%

+183.5%

241HomeTrust Bank19$8.0M0.0%

+369.1%

242Hightechlending27$7.9M0.0%

+159.7%

243Mason-McDuffie Mortgage20$7.8M0.0%

+7.6%

244Luxury Mortgage8$7.7M0.0%

+113.9%

245City 1st Mortgage Services, LC18$7.6M0.0%

−22.8%

246SIRVA Mortgage12$7.6M0.0%

+0.5%

247Epiq Lending9$7.5M0.0%

+127.3%

248Logan Finance7$7.5M0.0%

+32.2%

249Associated Bank3$7.5M0.0%—
250River City Bank1$7.2M0.0%—
251Mission Loans31$7.2M0.0%

+108.6%

252Armed Forces Bank12$7.1M0.0%

+3.5%

253Delta Community Credit Union23$7.0M0.0%

−33.6%

254Colliers Mortgage1$6.9M0.0%—
255STG Mortgage15$6.8M0.0%

+96.1%

256Redwood Residential Acquisition6$6.5M0.0%

+65.3%

257First Technology Federal Credit Union28$6.5M0.0%

+55.5%

258Nations Direct Mortgage11$6.5M0.0%

+44.4%

259CIBC Bank USA4$6.4M0.0%

+191.6%

260First National Bank of America18$6.3M0.0%

−24.5%

261Chevron Federal Credit Union24$6.3M0.0%

+3.9%

262Dominion Financial Services9$6.3M0.0%

+22.5%

263St. Charles Bank & Trust Company3$6.2M0.0%—
264Susser Bank1$6.2M0.0%—
265Texana Bank14$6.1M0.0%

+28.8%

266Smartfi Home Loans21$6.0M0.0%

+897.5%

267Ixonia Bank11$5.4M0.0%

+59.1%

268LendingOne4$5.3M0.0%

−20.0%

269First United Bank and Trust Co5$5.2M0.0%

+184.7%

270JMJ Financial Group13$5.1M0.0%

+67.8%

271Churchill Mortgage15$5.1M0.0%

−41.9%

272San Francisco Federal Credit Union4$5.1M0.0%—
273Old National Bank11$5.1M0.0%

+100.6%

274Watermark Capital9$5.0M0.0%

+2.4%

275United Trust Bank11$4.9M0.0%

+103.9%

276Home Mortgage Alliance Corp (Hmac)12$4.9M0.0%

−14.9%

277Fourleaf Federal Credit Union19$4.8M0.0%

−11.3%

278Foundation Mortgage2$4.8M0.0%

+439.3%

279Devon Bank10$4.7M0.0%

+113.6%

280Wintrust Bank2$4.7M0.0%—
281Vista Point Mortgage4$4.6M0.0%

+652.8%

282Pinnacle Bank2$4.6M0.0%

+53.7%

283Obsidian Financial Services9$4.6M0.0%—
284The Central Trust Bank8$4.5M0.0%

−19.1%

285Arvest Bank6$4.3M0.0%

+46.8%

286Genway Home Mortgage16$4.3M0.0%

+123.4%

287Northrop Grumman Federal Credit Union21$4.2M0.0%

+45.5%

288Easy Street Capital4$4.1M0.0%

−18.2%

289M C Bank & Trust Company1$4.0M0.0%—
290Cadence Bank2$4.0M0.0%—
291Arbor Realty Trust3$3.9M0.0%—
292BPL Mortgage12$3.9M0.0%

+374.8%

293Bison State Bank6$3.8M0.0%—
294Velocity Commercial Capital7$3.8M0.0%

−37.9%

295Commerce Bank2$3.7M0.0%

+433.8%

296Academy Bank5$3.6M0.0%

+58.9%

297Mortgage Solutions of Colorado9$3.6M0.0%

+184.2%

298Valley West7$3.6M0.0%

−11.8%

299Members First Credit Union37$3.6M0.0%

−24.7%

300Direct Mortgage Loans7$3.5M0.0%—
301South River Mortgage19$3.5M0.0%

+593.0%

302Royal Pacific Funding7$3.5M0.0%

+788.5%

303American Airlines Federal Cred5$3.4M0.0%

+74.4%

304Top Flite Financial10$3.4M0.0%

−1.0%

305American Bank1$3.4M0.0%—
306Contour Mortgage10$3.4M0.0%

+3426.3%

307NOVA Financial & Investment5$3.3M0.0%

+216.8%

308Geneva Financial7$3.2M0.0%

+16.4%

309Usalliance Federal Credit Union9$3.1M0.0%—
310Alerus Financial2$3.1M0.0%

+426.5%

311Encore Bank2$3.0M0.0%

+99.3%

312Fifth Third Bank3$3.0M0.0%

−49.2%

313First Federal Bank & Trust1$3.0M0.0%—
314Farmers Bank & Trust1$3.0M0.0%—
315Luminate Home Loans5$2.9M0.0%

−96.9%

316Leader Bank6$2.9M0.0%

+444.4%

317Vanderbilt Mortgage & Finance39$2.9M0.0%

−45.5%

318CV3 Financial Services7$2.9M0.0%—
319Summit Funding6$2.8M0.0%

+49.1%

320Idaho Central Credit Union6$2.7M0.0%

+34.2%

321Firefighters First Federal Credit Union9$2.7M0.0%

−26.5%

322Advancial Federal Credit Union7$2.7M0.0%

+68.3%

323Residential Mortgage4$2.7M0.0%

+252.6%

324Strong Home Mortgage6$2.6M0.0%

+14.7%

325RBC Bank (Georgia)6$2.6M0.0%

−44.3%

326Beehive Federal Credit Union8$2.6M0.0%

+62.6%

327The Money Store6$2.6M0.0%—
328LoanFlight Lending4$2.6M0.0%

+100.0%

329Nations Lending9$2.6M0.0%

−3.2%

330ReadyCap Commercial1$2.6M0.0%

−44.8%

331Calcon Mutual Mortgage6$2.5M0.0%

−66.2%

332Washington Trust Bank2$2.5M0.0%

+83.2%

333Prism Bank1$2.5M0.0%—
334North American Savings Bank6$2.4M0.0%

−62.7%

335Archwest Funding1$2.4M0.0%—
336Starboard Financial Management6$2.3M0.0%

+556.3%

337Griffin Funding7$2.3M0.0%—
338Kinecta Federal Credit Union9$2.2M0.0%

−70.3%

339GTE Federal Credit Union18$2.2M0.0%

−39.8%

340General Mortgage Capital4$2.2M0.0%

+2.1%

341Valon Mortgage9$2.1M0.0%

+170.8%

342Liberty Federal Credit Union3$2.1M0.0%

+774.5%

343Intelliloan6$2.0M0.0%

+348.4%

344Lake Forest Bank & Trust Company1$2.0M0.0%—
345Origin Bank1$2.0M0.0%—
346Waterstone Mortgage4$2.0M0.0%

−47.8%

347Hancock Whitney Bank1$1.9M0.0%

−72.5%

348Lake City Bank2$1.9M0.0%—
349Greenstate Credit Union3$1.8M0.0%—
350Acnb Bank1$1.8M0.0%—
351Columbia Bank5$1.8M0.0%

+735.7%

352Horizon Utah Federal Credit Union14$1.7M0.0%

+16.0%

353Stanford Federal Credit Union4$1.7M0.0%

+324.7%

354Fairwinds Credit Union2$1.7M0.0%—
355Servion4$1.7M0.0%

+646.7%

356First Savings Bank3$1.6M0.0%

−56.3%

357Granite Bank4$1.6M0.0%

−0.6%

358American Neighborhood Mortgage Acceptance3$1.6M0.0%

+24.0%

359First Horizon Bank1$1.6M0.0%

−63.6%

360Towne Mortgage4$1.6M0.0%

−69.3%

361Eagle Bank and Trust Company4$1.6M0.0%

−13.2%

362Leaderone Financial3$1.5M0.0%

+55.3%

363Sunflower Bank3$1.5M0.0%

+4.8%

364Goldwater Bank2$1.5M0.0%

−68.9%

365Go Mortgage2$1.5M0.0%—
366First State Mortgage Services3$1.4M0.0%

+180.6%

367Dart Bank3$1.4M0.0%—
368Success Mortgage Partners4$1.4M0.0%—
369Star One Credit Union2$1.3M0.0%

−12.5%

370One Community Bank1$1.3M0.0%—
371Neighborhood National Bank1$1.3M0.0%—
372Nuvision Federal Credit Union2$1.3M0.0%

−53.7%

373Digital Federal Credit Union2$1.3M0.0%

−6.6%

374Stancorp Mortgage Investors1$1.3M0.0%

−20.3%

375Golden Empire Mortgage1$1.3M0.0%—
376Climate First Bank1$1.3M0.0%—
377First Western Trust Bank2$1.2M0.0%

+58.0%

378Land Home Financial Services4$1.2M0.0%

−15.7%

379L&N Federal Credit Union1$1.2M0.0%—
380Credit Human Federal Credit Un13$1.2M0.0%

−55.7%

381Servis One4$1.2M0.0%

+465.9%

382Tower Federal Credit Union6$1.1M0.0%

+12.2%

383United Community Bank1$1.1M0.0%—
384Mortgage Express3$1.1M0.0%—
385Stride Bank3$1.1M0.0%

+167.1%

386The Bank of Commerce2$1.1M0.0%

+218.3%

387Black Hills Community Bank1$1.1M0.0%—
388Credit Union of Colorado, A Federal Credit Union6$1.1M0.0%

+505.4%

389Servisfirst Bank1$1.1M0.0%

−22.3%

390Tomo Mortgage2$1.1M0.0%—
391Patriot Bank3$1.0M0.0%

+102.9%

392Florida Capital Bank2$1.0M0.0%

−22.0%

393Flyhomes Mortgage4$960K0.0%

+220.0%

394Old Plank Trail Community Bank1$935K0.0%—
395Credit Union Mortgage Associat2$930K0.0%—
396Dollar Bank1$905K0.0%

−81.5%

397Nebo Credit Union4$880K0.0%

+79.6%

398Keypoint Credit Union1$875K0.0%—
399Prosperity Home Mortgage2$870K0.0%

−52.7%

400RCN Capital2$860K0.0%

−57.6%

401Quad City Bank and Trust1$835K0.0%

+65.3%

402Plainscapital Bank1$835K0.0%—
403TJC Mortgage1$805K0.0%—
404Bank31$805K0.0%—
405Paramount Bank1$805K0.0%—
406Fidelity Bank1$805K0.0%

+15.8%

407Farmers Insurance Federal Credit Union5$795K0.0%

−52.5%

408Elements Financial Federal Cre3$785K0.0%

+55.4%

409City Lending4$780K0.0%

−55.4%

410Homeowners Financial Group1$765K0.0%

−16.4%

411Communityamerica Federal Credit Union2$760K0.0%

+198.0%

412The Freedom Bank of Virginia1$745K0.0%

+5.7%

413Connexus Credit Union5$735K0.0%

−3.9%

414Quontic Bank3$735K0.0%

−41.0%

415NBC Oklahoma1$735K0.0%—
416First Fidelity Bank1$735K0.0%—
417Bank Iowa1$725K0.0%—
418The Mortgage Link2$720K0.0%

+25.2%

419Sutton Bank1$715K0.0%—
420West Gate Bank2$710K0.0%—
421Union Savings Bank1$705K0.0%—
422Ally Bank2$670K0.0%

−94.9%

423Ardri1$655K0.0%—
424Firstbank2$650K0.0%

+7.4%

425Eclipse Bank1$645K0.0%—
426Highlands Residential Mortgage1$625K0.0%—
427Chambers Bank1$615K0.0%

+0.0%

428Service Federal Credit Union3$605K0.0%

+1628.6%

429Toyota Financial Savings Bank1$605K0.0%

−52.0%

430Integrity Bank & Trust1$605K0.0%—
431Sun Community FCU1$605K0.0%—
432SouthState Bank2$600K0.0%

−64.2%

433American Mortgage Bank1$595K0.0%

+0.0%

434Absolute Mortgage & Lending1$595K0.0%—
435Premier Lending1$585K0.0%—
436Brighton Bank1$585K0.0%—
437First Merchants Bank1$585K0.0%—
438Oceanside Mortgage1$555K0.0%—
439FineMark National Bank & Trust1$555K0.0%—
440Mortgage Bank of California1$555K0.0%

+170.7%

441Western State Bank1$545K0.0%—
442Progressive Bank1$545K0.0%—
443Signature Federal Credit Union3$535K0.0%

+94.5%

444Justice Federal Credit Union1$535K0.0%—
445Goprime Mortgage1$535K0.0%—
446FedChoice Federal Credit Union1$505K0.0%—
447Capital Educators Federal Credit Union1$505K0.0%—
448The State Bank & Trust Company1$505K0.0%—
449PFN Lending Group1$485K0.0%

+162.2%

450New Wave Lending Group1$485K0.0%

−46.1%

451Summit Mortgage1$475K0.0%

−12.8%

452First Central Savings Bank1$475K0.0%—
453Community First Credit Union of FLorida1$475K0.0%—
454BoxCar Mortgage1$475K0.0%—
455Webster Bank1$465K0.0%

−23.1%

456Notre Dame Federal Credit Union1$455K0.0%—
457Point Mortgage1$445K0.0%—
458University Federal Credit Union1$445K0.0%—
459City & County Credit Union1$445K0.0%—
460Mortgage Management Consultants1$435K0.0%

+200.0%

461Canvas Credit Union1$425K0.0%—
462Willamette Valley Bank1$415K0.0%

−58.1%

463United Federal Credit Union1$385K0.0%—
464Midwest Bankcentre1$375K0.0%

−72.4%

465MortgageCountry1$365K0.0%

+78.0%

466Blaze Credit Union2$360K0.0%—
467Panorama Mortgage Group1$345K0.0%—
468NASA Federal Credit Union3$335K0.0%

+116.1%

469Thrivent Federal Credit Union1$335K0.0%

−38.0%

470Meridian Bank1$335K0.0%

−49.6%

471Christian Community Credit Union2$330K0.0%—
472Empeople Credit Union3$325K0.0%—
473Bay-Valley Mortgage Group1$325K0.0%

−77.6%

474Centennial Bank1$315K0.0%

−8.7%

475Michigan Mutual1$315K0.0%

−93.9%

476Operating Engineers Federal Credit Union2$310K0.0%—
477Columbia Credit Union1$305K0.0%—
478Lincoln Federal SVGS BK of Ne1$295K0.0%—
479Milo Credit1$295K0.0%—
480Sovereign Bank1$285K0.0%—
481Bank of Colorado1$285K0.0%

−85.3%

482Platte Valley Bank1$285K0.0%—
483Adams Bank & Trust2$280K0.0%—
484Wings Financial Credit Union2$280K0.0%

−83.7%

485Flexpoint1$275K0.0%

−75.1%

486Frontier Credit Union1$275K0.0%—
487Southern Bancorp Bank1$265K0.0%—
488SouthStar Bank1$255K0.0%—
489Bank of Hope1$255K0.0%—
490Bank of Springfield1$255K0.0%

−92.1%

491Dupaco Community Credit Union1$235K0.0%—
492Genesis Capital1$225K0.0%

−90.2%

493First National Bank1$225K0.0%—
494Gnbank1$225K0.0%—
495Starion Bank1$215K0.0%

−52.7%

496Infinity Equity Group1$205K0.0%—
497Lafayette Federal Credit Union1$195K0.0%

−31.6%

498Los Angeles Police FCU1$85K0.0%

−83.0%

499Congressional Federal Credit Union1$75K0.0%

−28.6%

500Old Second National Bank1$75K0.0%—
501WSFS bank1$35K0.0%

−96.6%

502Shoreham Bank1$25K0.0%

−98.8%

503Unitus Community Credit Union0———
504Thrivent Bank0———
505Flanagan State Bank0———
506Churchill Funding I0———
507The Union Bank0———
508State Departmenet Federal Credit Union0———
509AAA Capital Investment0———
510Ahl Funding0———
511The City National Bank of Sulphur Springs0———
512Neighborhood Loans0———
513Honor Credit Union0———
514Ice Lender Holdings0———
515Tyndall Federal Credit Union0———
516RCN Capital0———
517Ardent Federal Credit Union0———
518Silver Hill Funding0———
519Ladera Lending0———
520Byline Bank0———
521National Cooperative Bank0———
522Rev Federal Credit Union0———
523Clark County Credit Union0———
524Copper State Credit Union0———
525Renasant Bank0———
526TruHome Solutions0———
527Star USA Federal Credit Union0———
528Peoples Bank0———
529Fortress Bank0———
530Capital Bank0———
531Affinity Federal Credit Union0———
532Acrisure Mortgage0———
533Anchor Loans0———
534First National Bank Texas0———
535Westmark Credit Union0———
536Kiavi Funding0———
537American Bank of Commerce0———
538Western and Southern Financial Grou0———
539Meridian Trust Federal Credit Union0———
540Member First Mortgage0———
541Data Mortgage0———
542Bellco Credit Union0———
543FirstBank0———
544Altra Federal Credit Union0———
545C&F Mortgage0———
546First Continental Mortgage0———
547Wescom Central Credit Union0———
548Performance Equity Partners0———
549Fay Servicing0———
550Andrews Federal Credit Union0———
551Grand Bank for Savings0———
552MLB Residential Lending0———
553Popular Bank0———
554NuMark Credit Union0———
555Advantage Plus FCU0———
556First Florida Credit Union0———
557Charter West Bank0———
558The Bank of Tampa0———
559Planet Managment Group0———
560All in Credit Union0———
561Atlanta Postal Credit Union0———
562Anchor Loans0———
563Heritage Bank0———
564Tib0———
565Intouch Credit Union0———
566Fidelity Bank0———
567Premier Members Credit Union0———
568Gain Federal Credit Union0———
569NFM0———
570GMFS0———
571CoreVestAmericanFinanceLenderLLC0———
572Numerica Credit Union0———
573Baycoast Bank0———
574Mit Federal Credit Union0———
575Saxton Mortgage0———
576Bank of Whittier0———
577First Community Mortgage0———
578Ony Glo0———
579Teachers Federal Credit Union0———
580First Interstate Bank0———
581Members 1st FCU0———
582The Moneyhouse0———
583Incrediblebank0———
584Ennkar0———
585North Shore Trust & Savings0———
586Western Vista Federal Credit U0———
587Merchants Bank of Indiana0———
588Apex Bank0———
589Servbank0———
590Everbank0———
591Comerica Bank0———
592Bank Fund Staff Federal Credit0———
593First American Bank0———

1-4 family dwellings: Originations whose derived dwelling category is Single Family (1-4 Units) — site-built or manufactured.

ON THIS PAGE · This page is published for search and is served from cache, so it cannot read a scope from the address bar. The pills open the Utah state hub, which honours the rung; the figures here stay on the full HMDA basis and the ladder below states exactly what that includes.

What “originations” counts

Every rung below is a strict subset of the one above it, for Utah in 2025. No single HMDA slice equals the industry origination figure, so this shows the whole ladder rather than picking one and claiming it matches.

All HMDA originations95,957$36.7B100.0%— the widest basis
1-4 family dwellings95,779$34.1B92.8%5+ unit multifamily · 178 loans · $2.64B
1-4 family, first lien63,464$30.1B82.1%junior and subordinate liens · 32,315 loans · $3.93B
1-4 family, first lien, closed-end(disclosure only)59,623$29B79.1%home-equity lines of credit · 3,841 loans · $1.09B
1-4 family, first lien, closed-end, consumer-purpose(disclosure only)56,139$27.4B74.6%business-purpose loans and reverse mortgages · 3,484 loans · $1.64B

Source: HMDA public loan-application data (CFPB/FFIEC), action taken = 1, activity year 2025. The two lowest rungs are shown for disclosure and are not selectable — a HELOC flag or a business-purpose flag that the filer claimed the partial exemption on arrives unreported, so those two rungs keep unreported records rather than guessing.

Counties in Utah

Mortgage lending by county — 27 with enough origination volume to profile, largest first

COUNTY PROFILES INCLUDE

Origination volume and denial rate, market concentration, the top lenders operating there, ACS housing and income context, and FEMA natural-hazard exposure.

Go deeper

Utah in the full MortRadar app

Other state markets

Largest states by 2025 volume

California$344.74BTexas$186.23BFlorida$183.52BNew York$116.18BNorth Carolina$89.58BWashington$81.03BGeorgia$79.74BVirginia$77.59B

Attribution & methodology. Utah figures are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); “state share” is a lender’s share of the state’s disclosed origination volume; loan amounts are the public files’ midpoint-rounded values. MortRadar’s aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.