State intelligence · Utah
Utah mortgage regulation and market activity
Utah does not have one mortgage regulator or one mortgage-license population. The Department of Financial Institutions (DFI) administers Title 70D activities such as certain servicing and wholesale-lending activity. The Division of Real Estate (DRE) primarily regulates brokering and retail origination of closed-end residential first mortgages. HMDA counts below describe lending activity on Utah property, not state authority.
2025 HMDA applications
151,347
Utah-property county aggregate across 29 county rows.
2025 HMDA originations
95,932
Market activity, not Utah-licensed companies or MLOs.
Mortgage license census
NOT_ACQUIRED
No DFI, DRE, or NMLS jurisdiction-filtered license rows were loaded.
Which Utah authority applies?
- Utah DFI says Title 70D commonly covers servicing of closed-end first mortgages, wholesale lenders, and mortgage lenders as defined by statute. A Residential First Mortgage Notification (RFMN) does not authorize retail brokering or origination. DFI says it does not keep a separate mortgage-company and MLO list and directs the public to NMLS Consumer Access.
- Utah DRE primarily regulates brokering and retail origination of closed-end residential first mortgages. DRE licenses mortgage companies, DBAs, branches, mortgage loan originators, and lending managers. DRE and DFI MLO classes are not interchangeable.
- NMLS Consumer Access is an identity and verification system. An NMLS identity alone does not establish the exact Utah authority or current status. Company, branch, and individual MLO records remain separate.
DFI, DRE, and NMLS license populations, status dates, branches, servicers, and broker/company classes: NOT_ACQUIRED. No Utah mortgage-license total is inferred. HMDA reporter LEIs are not NMLS IDs.
HMDA reports Utah-property activity
The accepted 2025 county aggregate has 151,347 applications, 95,932 originations, and 24,029 reported denials across 29 county rows. These observations are not a licensing roster, a lender ranking, or a finding of discrimination. The separate lender summary has 499 unique LEIs and 151,141 applications; its application total is 206 lower than the county aggregate. Because those files do not reconcile exactly, the page uses only the county aggregate for the statewide market figure.
Source vintage: 2025. HMDA filing data is published by the FFIEC HMDA Platform. The county aggregate SHA-256 is feb4e1a31f2cbe4e5f81a44a134968d9988031db244b22fa7162b433626ec0d4. The lender summary SHA-256 is 5b7d8bd574ece87f6723dfe86d9c73822c1f5e2bbd6cf3df0a078dc222d33963. A file retrieval timestamp was not retained with these existing Utah summary files. The date of HMDA activity is not a current license-status date.
Other Utah evidence
Bank and credit-union charters, branches, DFI consumer-lending classes, DRE orders, examinations, and current licensing records are separate evidence sets and were not acquired for this page. Complaints are not violations. No adverse record was joined by name. Existing canonical matches, new canonical entities, and production graph attachments were not re-read; no graph writes were made.