Mortgage lending in Emery County, Utah

Lenders in Emery County, Utah reported 330 mortgage applications for 2025, according to the CFPB.

330 mortgage applications and 216 loans originated in 2025; the denial rate was 15.9% of 276 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Emery County, UT.

330
Applications: 216
Loans originated: 15.9%
Denial rate: 44 denied of 276 applications decided.

Every year

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Mortgage applications and loans originated in Emery County, Utah, by year
Year	Applications	Originated	Denied
2025	330	216	44
2024	270	154	58
2023	290	175	53
2022	377	245	53
2021	559	381	65
2020	460	303	46
2019	337	224	54
2018	288	183	49

The largest lenders here

Lenders in Emery County, Utah by loans originated, 2025
Lender	Originated	Applications
Utah Power Credit Union	50	52
United Wholesale Mortgage	20	25
Rocket Mortgage	16	22
Bank of Utah	14	15
Premier Mortgage Resources, LLC	12	15
Mountain America Federal Credit Union	11	33
America First Federal Credit Union	9	15
First Colony Mortgage Corporat	6	7
Intercap Lending Inc	6	6
New American Funding, LLC.	5	8
Canopy Mortgage, LLC	5	8
Zions Bancorporation, N.A.	5	15
Guild Mortgage Company	4	4
Newrez LLC	4	8
Securitynational Mortgage Company	4	4
The Loan Store, Inc	3	3
Plaza Home Mortgage, Inc	3	4
Kind Lending, LLC	3	3
21ST Mortgage	3	5
Paramount Residential Mortgage	2	3
Guaranteed Rate Affinity, LLC	2	2
Cache Valley Bank	2	2
Mortgage Research Center	2	5
Finance of America Reverse LLC	2	2
Sunflower Bank, N.A.	1	1

Applications by race, ethnicity and sex, 2025

By race, Emery County, Utah: applications and denial rate
Category	Applications	Denial rate
American Indian or Alaska Native	under 10
Asian	under 10
White	304	15.3% of 255 decided
Race Not Available	23	no rate: base under 50

By ethnicity, Emery County, Utah: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	withheld
Not Hispanic or Latino	277	14.1% of 234 decided
Joint	under 10
Ethnicity Not Available	32	no rate: base under 50

By sex, Emery County, Utah: applications and denial rate
Category	Applications	Denial rate
Male	120	15.0% of 100 decided
Female	49	no rate: base under 50
Joint	148	12.0% of 125 decided
Sex Not Available	13	no rate: base under 50

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. 1208 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 October 22, 2026