Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Salt Lake County, Utah
Every institution that decided a 1–4 unit mortgage application in Salt Lake County, home to Salt Lake City, between 2023 and 2025: 90,381 applications, 69,038 loans actually funded, across 8 kinds of borrowing.
Salt Lake County at a glance
90,381Applications decided
2023–2025
69,038Loans funded
76% of decisions
251Census tracts
35 ZIP codes
1,184,689People
ACS 2023
What the data shows
The typical purchase mortgage here is $455K.
Investment home improvement is the hardest money to get here: lenders approved 52% of 863 applications.
Lending by loan type in Salt Lake County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.6% | 38,998 | $455K | 96% | 381 |
| Home improvement loans | 74.1% | 15,834 | $75K | 94% | 111 |
| Cash-out refinance | 73.7% | 12,869 | $185K | 95% | 258 |
| Refinance | 74.2% | 16,820 | $175K | 94% | 262 |
| Investment property purchase | 83.7% | 2,844 | $365K | 95% | 230 |
| Investment cash-out refinance | 70.9% | 1,103 | $315K | 94% | 149 |
| Investment refinance | 68.8% | 1,050 | $365K | 91% | 146 |
| Investment home improvement | 52.3% | 863 | $105K | 89% | 55 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.