American Financing in Utah vs the state
44.0%Denial rate+28.07 pts vs state
58.2%Decision denial rate+39.02 pts vs state
23.0%Origination rate-40.29 pts vs state
6.50%Median rate-0.13 pts vs state
0.29Rate spread (pts)+0.05 pts vs state
$98kMedian applicant income
98Loans originated
188Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 245 | 44 | 43.3% | 6.50% | #84 |
| 2024 | 359 | 75 | 57.1% | 6.38% | #67 |
| 2025 | 427 | 98 | 44.0% | 6.50% | #64 |
What American Financing lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 99 | 15 | 43 | 43.4% |
| Salt Lake County | 91 | 20 | 45 | 49.5% |
| Davis County | 52 | 16 | 22 | 42.3% |
| Weber County | 41 | 10 | 15 | 36.6% |
| Washington County | 34 | 9 | 12 | 35.3% |
| Tooele County | 17 | 2 | 12 | 70.6% |
| Uintah County | 14 | 4 | 6 | 42.9% |
| Box Elder County | 14 | 5 | 7 | 50.0% |
| Iron County | 13 | 5 | 4 | 30.8% |
| Cache County | 10 | 2 | 6 | 60.0% |
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: 427 applications in 2025, of which 98 were originated and 188 denied.
44.0% of all applications, or 58.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans American Financing originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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