Mortgage lending in Morgan County, Utah
Lenders in Morgan County, Utah reported 702 mortgage applications for 2025, according to the CFPB.
702 mortgage applications and 481 loans originated in 2025; the denial rate was 14.6% of 601 applications decided. The median loan was about $395,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Ogden, UT MSA.
- 702
- Applications
- 481
- Loans originated
- 14.6%
- Denial rate
- 88 denied of 601 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 702 | 481 |
| 2024 | 620 | 397 |
| 2023 | 559 | 366 |
| 2022 | 796 | 549 |
| 2021 | 1,369 | 984 |
| 2020 | 1,744 | 1,226 |
| 2019 | 934 | 647 |
| 2018 | 665 | 426 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Goldenwest Federal Credit Union | 101 | 130 |
| America First Federal Credit Union | 70 | 97 |
| Intercap Lending Inc | 35 | 39 |
| Guild Mortgage Company | 33 | 42 |
| United Wholesale Mortgage | 27 | 41 |
| Rocket Mortgage | 13 | 16 |
| Mountain America Federal Credit Union | 12 | 26 |
| Glacier Bank | 10 | 16 |
| Kind Lending, LLC | 9 | 13 |
| Zions Bancorporation, N.A. | 9 | 14 |
| Pennymac Loan Services LLC | 7 | 12 |
| Homeamerican Mortgage Corporation | 6 | 11 |
| Plains Commerce Bank | 5 | 5 |
| Nationstar Mortgage | 5 | 5 |
| Bank of Utah | 5 | 6 |
| AmWest Funding Corp | 5 | 5 |
| Canopy Mortgage, LLC | 5 | 11 |
| The Loan Store, Inc | 4 | 5 |
| Primary Residential Mortgage, INC. | 4 | 5 |
| Cyprus Federal Credit Union | 4 | 6 |
| Crosscountry Mortgage, LLC | 4 | 8 |
| JPMorgan Chase Bank, NA | 4 | 5 |
| D. L. Evans Bank | 3 | 4 |
| Cache Valley Bank | 3 | 4 |
| Cornerstone Capital Bank, SSB | 3 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| White | 605 | 14.5% of 530 decided |
| Joint | 13 | no rate: base under 50 |
| Race Not Available | 80 | 17.0% of 59 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 596 | 13.8% of 522 decided |
| Joint | withheld | |
| Ethnicity Not Available | 87 | 17.7% of 62 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 259 | 19.4% of 217 decided |
| Female | 49 | no rate: base under 50 |
| Joint | 343 | 11.3% of 302 decided |
| Sex Not Available | 51 | 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. 90 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