Mortgage lending in Summit County, Utah
Lenders in Summit County, Utah reported 2,856 mortgage applications for 2025, according to the CFPB.
2,856 mortgage applications and 1,711 loans originated in 2025; the denial rate was 20.5% of 2,314 applications decided. The median loan was about $595,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Summit County, UT.
- 2,856
- Applications
- 1,711
- Loans originated
- 20.5%
- Denial rate
- 475 denied of 2,314 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,856 | 1,711 |
| 2024 | 2,493 | 1,472 |
| 2023 | 2,286 | 1,372 |
| 2022 | 4,245 | 2,637 |
| 2021 | 7,660 | 5,167 |
| 2020 | 8,370 | 5,455 |
| 2019 | 4,710 | 3,017 |
| 2018 | 3,715 | 2,239 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 116 | 165 |
| Mountain America Federal Credit Union | 115 | 237 |
| US Bank, N.A. | 94 | 140 |
| Zions Bancorporation, N.A. | 90 | 157 |
| Rocket Mortgage | 86 | 115 |
| America First Federal Credit Union | 83 | 136 |
| JPMorgan Chase Bank, NA | 61 | 84 |
| Morgan Stanley Private Bank NA | 45 | 61 |
| My Move Mortgage, LLC | 42 | 53 |
| Fairway Independent Mort Corp | 41 | 68 |
| Charles Schwab Bank, SSB | 30 | 30 |
| Bank of America NA | 29 | 59 |
| Intercap Lending Inc | 28 | 46 |
| Crosscountry Mortgage, LLC | 28 | 44 |
| Goldenwest Federal Credit Union | 26 | 44 |
| Wells Fargo Bank NA | 25 | 50 |
| Guild Mortgage Company | 23 | 32 |
| Newrez LLC | 23 | 53 |
| Canyon View Credit Union | 22 | 28 |
| Lendsure Mortgage Corp. | 22 | 28 |
| Citibank, NA | 21 | 28 |
| The Loan Store, Inc | 19 | 33 |
| Security Service | 19 | 31 |
| Utah Community Credit Union | 18 | 25 |
| Ubs Bank USA | 16 | 20 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | 49 | no rate: base under 50 |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,235 | 19.9% of 1,838 decided |
| 2 or more minority races | under 10 | |
| Joint | 46 | no rate: base under 50 |
| Race Not Available | 503 | 23.4% of 389 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 113 | 31.5% of 89 decided |
| Not Hispanic or Latino | 2,163 | 19.7% of 1,779 decided |
| Joint | withheld | |
| Ethnicity Not Available | 508 | 22.3% of 391 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 957 | 23.7% of 789 decided |
| Female | 393 | 24.8% of 327 decided |
| Joint | 1,203 | 16.2% of 966 decided |
| Sex Not Available | 303 | 22.0% of 232 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. 13 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