American Financial Network in Utah vs the state
6.5%Denial rate-9.46 pts vs state
8.3%Decision denial rate-10.85 pts vs state
70.8%Origination rate+7.52 pts vs state
6.38%Median rate-0.25 pts vs state
0.00Rate spread (pts)-0.24 pts vs state
$108kMedian applicant income
196Loans originated
18Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 252 | 163 | 8.3% | 6.63% | #79 |
| 2024 | 253 | 167 | 10.3% | 6.50% | #81 |
| 2025 | 277 | 196 | 6.5% | 6.38% | #85 |
What American Financial Network lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Iron County | 129 | 114 | 1 | 0.8% |
| Salt Lake County | 36 | 16 | 9 | 25.0% |
| Utah County | 33 | 14 | 5 | 15.2% |
| Davis County | 17 | 8 | 2 | 11.8% |
| Washington County | 15 | 14 | 0 | 0.0% |
| Weber County | 13 | 7 | 0 | 0.0% |
| Beaver County | 9 | 5 | 0 | 0.0% |
| Cache County | 5 | 5 | 0 | 0.0% |
| Tooele County | 4 | 3 | 0 | 0.0% |
| Sevier County | 2 | 2 | 0 | 0.0% |
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: 277 applications in 2025, of which 196 were originated and 18 denied.
6.5% of all applications, or 8.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans American Financial Network originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are American Financial Network'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