Applications / Mortgage Analytics / Lenders / Utah / Utah Mortgage Loan
Lehi, UT · Independent non-bank lender · CFPB · 76 loans in 2025
Utah Mortgage Loan's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
76
loans originated, 2025
86
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Utah Mortgage Loan is a small Utah home-purchase lender with more government-insured and manufactured-home loans than its peers, and whose lending has shrunk for five years running.
Home purchases made up 65.8% of its 76 loans in 2025. A quarter, 25.0%, were insured by the Federal Housing Administration (FHA), against 10.8% at similar lenders (independent non-bank lenders making between half and twice as many loans). Manufactured homes took 10.5% of its loans; the typical peer made none. Its typical loan, $405,000, was larger than at about four in five of them.
Its loans fell 25% in 2025, against a 3% fall at similar lenders and a 10% rise in the whole market. It made 1,113 loans in 2020 and has made fewer every year since. That is a fall of more than nine in ten.
It has lent in Salt Lake City-Murray, Provo-Orem-Lehi and Ogden since 1993. It ranks 115 of 363 lenders in Salt Lake City and 112 of 319 in Provo, where its share slipped to 0.1% from 0.2%. Its shrinking volume may account for the slip. United Wholesale Mortgage leads both markets.
Only 5.3% of its loans went to poorer neighborhoods (low- and moderate-income, or LMI, tracts), down from 18.6% in 2024, and 2.6% to majority-minority neighborhoods. Both are lower than at more than nine in ten peers. On 76 loans a handful of loans can swing such shares, and its Utah markets may account for the rest. Only 1.4% of its loans were higher-priced (a rate well above the average for similar loans), against 3.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Utah Mortgage Loan took 86 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.8% · Refinance 28.9% · Other 5.3%
Conventional 71.1% · FHA 25.0% · VA 3.9% · of 76 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 | 69 | 90.8% |
| California | 4 | 5.3% |
| Wyoming | 2 | 2.6% |
| Arizona | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salt Lake City-Murray | 29 |
| Provo-Orem-Lehi | 16 |
| Ogden | 8 |
| Logan | 3 |
| Santa Maria-Santa Barbara | 3 |
| Phoenix-Mesa-Chandler | 1 |
| St. George | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490000OGVJZR74L509 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1024067 | 2010–2015 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5023929 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7870481540 | |
| Respondent ID (the HMDA filer code before 2018) | 77498400004 | 1993–2016 |
Established 13 December 1990. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Utah Mortgage Loan's data.
Utah Mortgage Loan's data
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Utah Mortgage Loan 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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