Lender in Utah · HMDA 2025
Mountain America Federal Credit Union mortgages in Utah
Mountain America Federal Credit Union's 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Mountain America Federal Credit Union originated 1,432 owner-occupied single-family loans in Utah from 2,029 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $7,550 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.125% (Utah: 6.50%).
Loans in UT
1,432
of 2,029 applications
Denial rate
12.0%
Purchase · UT 6.5%
Rate spread
−0.00 pts
Conv. · UT +0.05 pts
Loan amount
$395,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 991 | 862 | 12.0% | 6.125% | −0.00 pts | $7,550 | $395,000 |
| Refinance | 670 | 349 | 46.3% | 5.990% | −0.09 pts | $0 | $195,000 |
| Cash-out refinance | 368 | 221 | 38.9% | 6.490% | −0.00 pts | $5,910 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Mountain America Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Uintah County | 1 | 110 | 21.3% |
| Duchesne County | 1 | 45 | 20.3% |
| Kane County | 1 | 10 | 8.8% |
| Grand County | 2 | 9 | 13.0% |
| Wayne County | 2 | 4 | 16.7% |
| Sevier County | 3 | 26 | 8.3% |
| Iron County | 4 | 71 | 6.2% |
| Beaver County | 4 | 6 | 6.2% |
| Sanpete County | 5 | 21 | 5.0% |
| Garfield County | 5 | 5 | 7.5% |
| San Juan County | 5 | 2 | 2.9% |
| Carbon County | 6 | 18 | 5.4% |
| Millard County | 6 | 5 | 3.3% |
| Salt Lake County | 8 | 466 | 3.1% |
| Emery County | 8 | 3 | 2.9% |
| Washington County | 10 | 103 | 2.8% |
| Wasatch County | 11 | 20 | 2.8% |
| Juab County | 11 | 4 | 2.0% |
| Summit County | 12 | 13 | 2.0% |
| Rich County | 12 | 1 | 2.2% |
| Utah County | 13 | 234 | 2.0% |
| Tooele County | 13 | 46 | 2.5% |
| Cache County | 13 | 36 | 1.9% |
| Davis County | 14 | 91 | 1.8% |
| Box Elder County | 15 | 16 | 1.4% |
| Morgan County | 15 | 3 | 1.3% |
| Weber County | 19 | 64 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology