Mortgage lending in Salt Lake County, Utah
Lenders in Salt Lake County, Utah reported 46,465 mortgage applications for 2025, according to the CFPB.
46,465 mortgage applications and 28,618 loans originated in 2025; the denial rate was 21.3% of 38,461 applications decided. The median loan was about $325,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Salt Lake City, UT HUD Metro FMR Area.
- 46,465
- Applications
- 28,618
- Loans originated
- 21.3%
- Denial rate
- 8,199 denied of 38,461 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 46,465 | 28,618 |
| 2024 | 43,671 | 26,445 |
| 2023 | 41,720 | 24,584 |
| 2022 | 65,983 | 41,602 |
| 2021 | 118,802 | 82,465 |
| 2020 | 136,894 | 94,614 |
| 2019 | 86,408 | 57,081 |
| 2018 | 66,301 | 42,456 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| America First Federal Credit Union | 3,636 | 5,158 |
| United Wholesale Mortgage | 2,980 | 3,779 |
| Mountain America Federal Credit Union | 2,412 | 5,244 |
| Rocket Mortgage | 1,569 | 2,042 |
| Intercap Lending Inc | 1,185 | 1,562 |
| Kind Lending, LLC | 741 | 1,066 |
| Cyprus Federal Credit Union | 738 | 1,146 |
| Securitynational Mortgage Company | 701 | 1,036 |
| Canyon View Credit Union | 696 | 1,114 |
| First Colony Mortgage Corporat | 660 | 771 |
| Guild Mortgage Company | 611 | 865 |
| Zions Bancorporation, N.A. | 577 | 1,000 |
| The Loan Store, Inc | 542 | 735 |
| Utah First Credit Union | 436 | 686 |
| Fairway Independent Mort Corp | 418 | 569 |
| Goldenwest Federal Credit Union | 388 | 598 |
| Pennymac Loan Services LLC | 377 | 647 |
| My Move Mortgage, LLC | 336 | 435 |
| Nationstar Mortgage | 308 | 432 |
| RANLife, Inc. | 307 | 455 |
| Crosscountry Mortgage, LLC | 284 | 421 |
| Deseret First Credit Union | 280 | 345 |
| Plains Commerce Bank | 253 | 415 |
| US Bank, N.A. | 244 | 504 |
| Provident Funding Associates | 238 | 342 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 294 | 36.1% of 241 decided |
| Asian | 2,336 | 24.2% of 1,869 decided |
| Black or African American | 493 | 28.3% of 382 decided |
| Native Hawaiian or Other Pacific Islander | 561 | 44.5% of 463 decided |
| White | 34,956 | 20.2% of 29,415 decided |
| 2 or more minority races | withheld | |
| Joint | 1,179 | 16.2% of 981 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 6,583 | 24.5% of 5,063 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 7,334 | 31.3% of 6,016 decided |
| Not Hispanic or Latino | 31,668 | 19.0% of 26,585 decided |
| Joint | withheld | |
| Ethnicity Not Available | 5,794 | 21.6% of 4,436 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 16,224 | 24.5% of 13,338 decided |
| Female | 9,034 | 25.6% of 7,491 decided |
| Joint | 18,306 | 16.4% of 15,470 decided |
| Sex Not Available | 2,901 | 22.1% of 2,162 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. 215 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