A&D Mortgage in Utah vs the state
16.3%Denial rate+0.34 pts vs state
23.4%Decision denial rate+4.26 pts vs state
52.2%Origination rate-11.07 pts vs state
6.38%Median rate-0.25 pts vs state
-0.03Rate spread (pts)-0.27 pts vs state
$142kMedian applicant income
48Loans originated
15Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 12 | 5.3% | 8.50% | #214 |
| 2024 | 49 | 26 | 14.3% | 8.06% | #162 |
| 2025 | 92 | 48 | 16.3% | 6.38% | #135 |
What A&D Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 31 | 17 | 1 | 3.2% |
| Utah County | 16 | 12 | 1 | 6.3% |
| Washington County | 13 | 8 | 4 | 30.8% |
| Weber County | 9 | 4 | 2 | 22.2% |
| Davis County | 6 | 3 | 0 | 0.0% |
| Summit County | 3 | 0 | 0 | 0.0% |
| Tooele County | 3 | 1 | 1 | 33.3% |
| Duchesne County | 2 | 2 | 0 | 0.0% |
| Iron County | 2 | 1 | 1 | 50.0% |
| Garfield County | 1 | 0 | 1 | 100.0% |
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: 92 applications in 2025, of which 48 were originated and 15 denied.
16.3% of all applications, or 23.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans A&D Mortgage originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are A&D 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