AgWest Farm Credit, FLCA in Utah vs the state
19.4%Denial rate+3.48 pts vs state
30.4%Decision denial rate+11.25 pts vs state
36.1%Origination rate-27.13 pts vs state
6.75%Median rate+0.13 pts vs state
0.30Rate spread (pts)+0.07 pts vs state
$154kMedian applicant income
13Loans originated
7Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 6 | 26.1% | 6.95% | #200 |
| 2024 | 30 | 15 | 23.3% | 6.60% | #190 |
| 2025 | 36 | 13 | 19.4% | 6.75% | #205 |
What AgWest Farm Credit, FLCA lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most AgWest Farm Credit, FLCA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cache County | 8 | 4 | 2 | 25.0% |
| Box Elder County | 5 | 4 | 1 | 20.0% |
| Sevier County | 3 | 0 | 0 | 0.0% |
| Sanpete County | 3 | 1 | 0 | 0.0% |
| Millard County | 3 | 2 | 0 | 0.0% |
| Rich County | 2 | 1 | 0 | 0.0% |
| Iron County | 2 | 0 | 1 | 50.0% |
| Uintah County | 1 | 0 | 0 | 0.0% |
| Tooele County | 1 | 0 | 1 | 100.0% |
| Washington 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: 36 applications in 2025, of which 13 were originated and 7 denied.
19.4% of all applications, or 30.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans AgWest Farm Credit, FLCA originated in Utah in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are AgWest Farm Credit, FLCA'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