21st Mortgage in Utah vs the state
54.4%Denial rate+38.41 pts vs state
77.3%Decision denial rate+58.12 pts vs state
15.8%Origination rate-47.49 pts vs state
10.31%Median rate+3.68 pts vs state
4.70Rate spread (pts)+4.47 pts vs state
$69kMedian applicant income
146Loans originated
504Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,641 | 205 | 60.5% | 10.35% | #17 |
| 2024 | 1,422 | 170 | 60.8% | 10.28% | #20 |
| 2025 | 927 | 146 | 54.4% | 10.31% | #36 |
What 21st Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 393 | 67 | 224 | 57.0% |
| Weber County | 152 | 21 | 77 | 50.7% |
| Davis County | 80 | 10 | 42 | 52.5% |
| Utah County | 79 | 11 | 49 | 62.0% |
| Uintah County | 42 | 10 | 20 | 47.6% |
| Tooele County | 33 | 7 | 14 | 42.4% |
| Cache County | 31 | 5 | 16 | 51.6% |
| Iron County | 24 | 1 | 15 | 62.5% |
| Washington County | 22 | 0 | 17 | 77.3% |
| Box Elder County | 14 | 3 | 2 | 14.3% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 927 applications in 2025, of which 146 were originated and 504 denied.
54.4% of all applications, or 77.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans 21st Mortgage originated in Utah in 2025 was 10.31%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology