Mortgage lending in Box Elder County, Utah
Lenders in Box Elder County, Utah reported 3,140 mortgage applications for 2025, according to the CFPB.
3,140 mortgage applications and 2,061 loans originated in 2025; the denial rate was 16.3% of 2,628 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Box Elder County, UT.
- 3,140
- Applications
- 2,061
- Loans originated
- 16.3%
- Denial rate
- 428 denied of 2,628 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,140 | 2,061 |
| 2024 | 2,928 | 1,926 |
| 2023 | 2,578 | 1,744 |
| 2022 | 3,618 | 2,408 |
| 2021 | 5,873 | 4,229 |
| 2020 | 5,910 | 4,151 |
| 2019 | 3,962 | 2,717 |
| 2018 | 3,038 | 2,066 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| America First Federal Credit Union | 360 | 485 |
| Guild Mortgage Company | 201 | 282 |
| United Wholesale Mortgage | 172 | 231 |
| Intercap Lending Inc | 146 | 194 |
| Goldenwest Federal Credit Union | 124 | 177 |
| Rocket Mortgage | 103 | 146 |
| First Colony Mortgage Corporat | 76 | 85 |
| Kind Lending, LLC | 54 | 86 |
| Mountain America Federal Credit Union | 53 | 114 |
| Homeamerican Mortgage Corporation | 46 | 54 |
| Plains Commerce Bank | 38 | 47 |
| Bank of Utah | 34 | 40 |
| Nationstar Mortgage | 32 | 42 |
| Members First Credit Union | 31 | 34 |
| American Pacific Mortgage Corporation | 24 | 28 |
| The Loan Store, Inc | 23 | 29 |
| Pennymac Loan Services LLC | 20 | 44 |
| Freedom Mortgage Corporation | 19 | 41 |
| Fairway Independent Mort Corp | 19 | 27 |
| Zions Bancorporation, N.A. | 17 | 37 |
| Mortgage Research Center | 16 | 50 |
| Cache Valley Bank | 15 | 15 |
| New American Funding, LLC. | 15 | 32 |
| Glacier Bank | 15 | 24 |
| Newrez LLC | 15 | 44 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 28 | no rate: base under 50 |
| Asian | 20 | no rate: base under 50 |
| Black or African American | 13 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,710 | 15.5% of 2,287 decided |
| 2 or more minority races | under 10 | |
| Joint | 59 | no rate: base under 50 |
| Race Not Available | 297 | 20.8% of 235 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 233 | 25.7% of 191 decided |
| Not Hispanic or Latino | 2,527 | 15.4% of 2,131 decided |
| Joint | 86 | 9.5% of 74 decided |
| Ethnicity Not Available | 294 | 19.0% of 232 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,113 | 18.7% of 929 decided |
| Female | 395 | 20.5% of 327 decided |
| Joint | 1,471 | 12.9% of 1,244 decided |
| Sex Not Available | 161 | 21.1% of 128 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 443 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved