2025 activity year · Official source proof
Utah mortgage market
Reported mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated63.0% · 95,957
Approved, not accepted4.0% · 6,073
Denied15.9% · 24,210
Withdrawn12.8% · 19,454
File closed for incompleteness4.0% · 6,032
Preapproval denied0.0% · 58
Preapproval approved, not accepted0.4% · 546
“Originated” means the reported application resulted in a loan. It is not an approval probability for a future applicant.
Loan purpose
Why people applied
41%Home purchase
- Home purchase41.3%
- Home improvement11.1%
- Other purpose12.9%
- Not applicable0.0%
- Refinancing20.6%
- Cash-out refinancing14.0%
Next source gate
Denial reasons are not published yet.
That analysis requires the raw modified-LAR pipeline, reason-code reconciliation, and small-cell review. We will not fill the gap with estimates or unsupported conclusions.
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Data provenance
Every published number will carry its source.
This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.