Emery County, Utah
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 270 mortgage applications in Emery County, Utah, for 2024, and originated 154 loans worth $29m.
That is 44.6 originations per 1,000 households, against 77.6 for Utah and 48.0 nationally.
The county's denial rate was 26.5%, above the state rate of 20.5%. The median rate spread on originated loans was 0.6 percentage points and 14.3% of originations were 1.5 points or more above the average prime offer rate.
2 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (23) and Mountain America Federal Credit Union (14).
Originations were down 12% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 27 | 23 | $5.6m | — | — |
| 2 | Mountain America Federal Credit Union | 34 | 14 | $1.7m | 51.7% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 2. Denial rate is denials over decided applications in this county.
Compared with Utah and the nation
| Measure | This county | Utah | United States |
|---|---|---|---|
| Denial rate | 26.5% | 20.5% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.3% | 14.2% | 15.6% |
| Average originated loan | $189k | $343k | $329k |
| Originations per 1,000 households | 44.6 | 77.6 | 48.0 |
| Home purchase share of originations | 49.4% | 49.0% | 57.0% |
| FHA-insured share | 22.7% | 14.1% | 13.4% |
| VA-guaranteed share | 7.8% | 4.7% | 7.9% |
Rate spread distribution
Share of 133 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Utah). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 49% (76)Home improvement 5% (7)Refinancing 14% (22)Cash-out refinancing 19% (29)Other purpose 13% (20)
By type
Conventional 68% (105)FHA 23% (35)VA 8% (12)USDA 1% (2)
Trend by year
ApplicationsOriginations
This countyUtah
Questions and answers
Which lenders are most active in Emery County, UT?
By 2024 originations: United Wholesale Mortgage (23), Mountain America Federal Credit Union (14). 2 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Emery County?
26.5% of decided applications were denied in 2024, against 20.5% across Utah and 24.3% nationally.
How many mortgages were originated in Emery County in 2024?
154 loans totalling $29m, from 270 applications; 44.6 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 49015; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.