Applications / Mortgage Analytics / Lenders / Utah / First Colony Mortgage
Orem, UT · Independent non-bank lender · CFPB · 8,831 loans in 2025
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8,831
loans originated, 2025
13,160
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Colony Mortgage is the second-largest lender in its home market of Provo-Orem-Lehi, where it has lent since 1993, and it grew 17% in 2025.
It ranked 2 of 319 lenders in Provo-Orem-Lehi, UT, with 8.1% of the market, behind United Wholesale Mortgage, and its share held close to the 8.2% of 2024. It also ranked 7 of 261 in St. George, UT, with 3.7%. It has lent in both Provo and Salt Lake City since 1993.
In Salt Lake City-Murray its share fell 0.5 points, from 2.9% to 2.4%, ranking 9 of 363. One possible reason is growth elsewhere: it entered Bismarck, ND in 2025, reaching 0.7%, and now lends in 49 states. It also bought 2,217 loans in 2025, after none in 2024.
It made 8,831 loans, up 17% from 7,567, against 13% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Purchases were 79.8% of its lending.
Low- and moderate-income (LMI) borrowers took 31.7% of its loans, up from 24.5%, a little above the 29.9% of similar lenders. Only 17.3% of its loans were in majority-minority tracts, against 25.6%; its concentration in Utah, its main state, is a possible reason. It turned down 6.3% of first-lien refinance applications on owner-occupied homes, against 10.8%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Colony Mortgage took 13,160 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.8% · Refinance 20.2%
Conventional 72.0% · FHA 21.6% · VA 5.4% · USDA (RHS or FSA) 1.0% · of 8,831 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Utah | 2,983 | 33.8% |
| Wisconsin | 802 | 9.1% |
| California | 772 | 8.7% |
| New Jersey | 570 | 6.5% |
| Florida | 427 | 4.8% |
| Idaho | 415 | 4.7% |
| Pennsylvania | 374 | 4.2% |
| Texas | 278 | 3.1% |
| Georgia | 253 | 2.9% |
| Tennessee | 189 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Provo-Orem-Lehi | 1,432 |
| Salt Lake City-Murray | 704 |
| Green Bay | 284 |
| Ogden | 245 |
| St. George | 239 |
| Milwaukee-Waukesha | 224 |
| Newark | 192 |
| Los Angeles-Long Beach-Glendale | 190 |
| New York-Jersey City-White Plains | 187 |
| Logan | 166 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003V40VGM7YDFM54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3877388 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 75222209998 | 1993–2017 |
Established date not on record. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: First Colony Mortgage's data.
First Colony Mortgage's data
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