Applications / Mortgage Analytics / Lenders / Utah / Primary Residential Mortgage
Salt Lake City, UT · Independent non-bank lender · CFPB · 9,570 loans in 2025
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9,570
loans originated, 2025
13,770
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Primary Residential Mortgage is a purchase lender with a loan mix close to its peers' and a top-ten rank in Baltimore and Albuquerque, though its originations fell 10% in 2025.
Originations fell 10% to 9,570, while similar lenders (independent non-bank lenders making between half and twice as many loans) grew 14% and the whole market 10%. It made 45,137 loans in 2020. With home purchases 87.7% of its lending, its volume may follow home buying in its markets; county detail would show where loans were lost.
Home purchases were 87.7% of its lending. Conventional loans were 61.6%, against 62.9% at similar lenders, FHA loans (insured by the Federal Housing Administration) 28.5%, against 25.3%, and VA loans (guaranteed by the Department of Veterans Affairs) 8.2%, against 8.5%. Its higher-priced share (a rate well above the average for similar loans), 3.7%, and typical rate, 6.62%, were close to peers'.
It made 36.9% of its loans to LMI (low- and moderate-income) borrowers, against 30.0%, more than about four in five similar lenders, and 23.3% in LMI areas, against 20.9%, more than about three in four.
It ranked 10 of 592 in Baltimore-Columbia-Towson and 8 of 364 in Albuquerque, markets it has served since 2001 and 2000. Its share fell in both, from 2.1% to 1.9% and from 4.5% to 2.9%, which may reflect its lower volume overall or, in Albuquerque, the $2.18B lent by the leader, JLL Real Estate Capital, more than a quarter of the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Primary Residential Mortgage took 13,770 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.7% · Refinance 12.3%
Conventional 61.6% · FHA 28.5% · VA 8.2% · USDA (RHS or FSA) 1.7% · of 9,570 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 |
|---|---|---|
| Maryland | 1,466 | 15.3% |
| New Mexico | 1,071 | 11.2% |
| Rhode Island | 690 | 7.2% |
| Florida | 582 | 6.1% |
| North Carolina | 479 | 5.0% |
| Texas | 475 | 5.0% |
| Colorado | 384 | 4.0% |
| California | 363 | 3.8% |
| Utah | 355 | 3.7% |
| Tennessee | 283 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 1,164 |
| Albuquerque | 816 |
| Providence-Warwick | 723 |
| Nashville-Davidson--Murfreesboro--Franklin | 234 |
| Charlotte-Concord-Gastonia | 209 |
| Wilmington | 159 |
| York-Hanover | 153 |
| Portland-Vancouver-Hillsboro | 131 |
| Ogden | 118 |
| Tyler | 115 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930052M48FOD3CWA54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3877575 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7860860478 | |
| Respondent ID (the HMDA filer code before 2018) | 71261700007 | 1999–2010 |
Established 13 May 1997. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Primary Residential Mortgage's data.
Primary Residential Mortgage's data
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Primary Residential Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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