Mortgage Approval and Denial Rates in Utah (2025 HMDA)
Mortgage denial rates in Utah: lenders acted on 151,152 mortgage applications in Utah in 2025 and denied 15.9% of them, down from 17.0% in 2024. The national denial rate was 17.7%.
Applications acted on
151,152
Loans originated
95,932
Denial rate
15.9%
Median loan
$305,000
Utah against the national picture
Most-reported denial reason in Utah: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| San Juan County | 321 | 29.6% | $185,000 |
| Grand County | 347 | 23.3% | $305,000 |
| Duchesne County | 851 | 22.8% | $205,000 |
| Uintah County | 1,838 | 21.0% | $205,000 |
| Kane County | 651 | 20.0% | $275,000 |
| Carbon County | 986 | 19.5% | $185,000 |
| Rich County | 299 | 19.4% | $325,000 |
| Tooele County | 5,262 | 18.8% | $285,000 |
| Sevier County | 1,050 | 18.7% | $195,000 |
| Salt Lake County | 46,464 | 17.6% | $295,000 |
| Wayne County | 102 | 17.6% | $255,000 |
| Sanpete County | 1,225 | 17.4% | $245,000 |
| Summit County | 2,855 | 16.6% | $535,000 |
| Beaver County | 295 | 16.3% | $205,000 |
| Garfield County | 268 | 16.0% | $205,000 |
| Wasatch County | 2,809 | 15.7% | $525,000 |
| Iron County | 3,290 | 15.2% | $265,000 |
| Utah County | 31,095 | 14.8% | $345,000 |
| Washington County | 11,422 | 14.7% | $315,000 |
| Juab County | 582 | 14.4% | $265,000 |
| Weber County | 13,809 | 14.1% | $265,000 |
| Davis County | 15,504 | 13.7% | $275,000 |
| Box Elder County | 3,140 | 13.6% | $275,000 |
| Emery County | 330 | 13.3% | $185,000 |
| Cache County | 4,998 | 13.2% | $275,000 |
| Millard County | 526 | 13.1% | $205,000 |
| Morgan County | 702 | 12.5% | $395,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.