Largest lenders in Emery County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Utah Power Federally Insured State-Chartered Credit Union | B | 52 | 50 | 1.9% | 6.50% |
| 2 | Mountain America Federal Credit Union | D | 33 | 11 | 45.5% | 6.99% |
| 3 | United Shore Financial Services | B | 25 | 20 | 4.0% | 6.49% |
| 4 | Rocket Mortgage | C | 22 | 16 | 18.2% | 6.81% |
| 5 | Zions Bancorporation | B | 15 | 5 | 40.0% | 6.24% |
| 6 | Bank of Utah | A | 15 | 14 | 0.0% | 6.19% |
| 7 | Premier Mortgage Resources | B | 15 | 12 | 0.0% | 6.81% |
| 8 | AMERICA FIRST Federal Credit Union | C | 15 | 9 | 20.0% | 6.24% |
| 9 | Canopy Mortgage | B | 8 | 5 | 0.0% | 6.63% |
| 10 | Newrez | D | 8 | 4 | 12.5% | 6.88% |
| 11 | Broker Solutions | D | 8 | 5 | 0.0% | 7.50% |
| 12 | First Colony Mortgage | A | 7 | 6 | 0.0% | 6.31% |
| 13 | Pennymac Loan Services | C | 6 | 0 | 0.0% | — |
| 14 | Intercap Lending | A | 6 | 6 | 0.0% | 6.50% |
| 15 | 21st Mortgage | F | 5 | 3 | 20.0% | 9.58% |
| 16 | Mortgage Research Center | C | 5 | 2 | 0.0% | 6.06% |
Best approval odds in Emery County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Utah Power Federally Insured State-Chartered Credit Union | 51 | 2.0% |
What Emery County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Emery County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 290 | 175 | 18.3% | 7.00% | $125,000 |
| 2024 | 270 | 154 | 21.5% | 6.88% | $165,000 |
| 2025 | 330 | 216 | 13.3% | 6.50% | $185,000 |
Frequently asked questions
13.3% of applications in Emery County were denied in 2025, against 16.0% statewide in Utah.
Utah Power Federally Insured State-Chartered Credit Union, with 52 applications in 2025 and a denial rate of 1.9%.
The median mortgage application in Emery County in 2025 was for $185,000; the median property value on originated loans was $305,000.