American Financial Resources in Utah vs the state
3.2%Denial rate-12.73 pts vs state
4.1%Decision denial rate-15.09 pts vs state
75.6%Origination rate+12.34 pts vs state
6.25%Median rate-0.38 pts vs state
0.15Rate spread (pts)-0.09 pts vs state
$129kMedian applicant income
164Loans originated
7Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 14 | 13.6% | 6.75% | #201 |
| 2024 | 63 | 47 | 7.9% | 6.63% | #153 |
| 2025 | 217 | 164 | 3.2% | 6.25% | #95 |
What American Financial Resources lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 55 | 43 | 2 | 3.6% |
| Utah County | 42 | 31 | 2 | 4.8% |
| Weber County | 35 | 29 | 1 | 2.9% |
| Davis County | 18 | 11 | 1 | 5.6% |
| Tooele County | 18 | 13 | 0 | 0.0% |
| Cache County | 14 | 13 | 0 | 0.0% |
| Sanpete County | 5 | 4 | 0 | 0.0% |
| Washington County | 5 | 3 | 1 | 20.0% |
| Carbon County | 4 | 3 | 0 | 0.0% |
| Iron County | 4 | 3 | 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: 217 applications in 2025, of which 164 were originated and 7 denied.
3.2% of all applications, or 4.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans American Financial Resources originated in Utah in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are American Financial Resources'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