Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Utah County, Utah
Every institution that decided a 1–4 unit mortgage application in Utah County, home to Provo, between 2023 and 2025: 62,447 applications, 49,969 loans actually funded, across 8 kinds of borrowing.
Utah County at a glance
62,447Applications decided
2023–2025
49,969Loans funded
80% of decisions
156Census tracts
22 ZIP codes
683,622People
ACS 2023
What the data shows
The typical purchase mortgage here is $435K.
Investment home improvement is the hardest money to get here: lenders approved 49% of 413 applications.
Lending by loan type in Utah County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.0% | 31,844 | $435K | 97% | 337 |
| Home improvement loans | 75.9% | 9,688 | $75K | 89% | 91 |
| Cash-out refinance | 72.5% | 5,983 | $225K | 94% | 203 |
| Refinance | 77.0% | 10,693 | $155K | 93% | 216 |
| Investment property purchase | 89.2% | 2,589 | $315K | 96% | 201 |
| Investment cash-out refinance | 75.1% | 570 | $285K | 94% | 113 |
| Investment refinance | 74.8% | 667 | $315K | 92% | 103 |
| Investment home improvement | 48.9% | 413 | $105K | 90% | 39 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.