American Internet Mortgage in Utah vs the state
12.5%Denial rate-3.46 pts vs state
17.7%Decision denial rate-1.53 pts vs state
58.3%Origination rate-4.91 pts vs state
5.88%Median rate-0.75 pts vs state
-0.22Rate spread (pts)-0.46 pts vs state
$164kMedian applicant income
28Loans originated
6Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 7 | 19.1% | 6.38% | #206 |
| 2024 | 23 | 14 | 17.4% | 6.38% | #214 |
| 2025 | 48 | 28 | 12.5% | 5.88% | #174 |
What American Internet Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most American Internet Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 20 | 12 | 3 | 15.0% |
| Utah County | 10 | 5 | 1 | 10.0% |
| Davis County | 8 | 5 | 0 | 0.0% |
| Weber County | 4 | 2 | 1 | 25.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Emery County | 1 | 1 | 0 | 0.0% |
| Wasatch County | 1 | 1 | 0 | 0.0% |
| Iron County | 1 | 0 | 0 | 0.0% |
| Tooele 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: 48 applications in 2025, of which 28 were originated and 6 denied.
12.5% of all applications, or 17.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans American Internet Mortgage originated in Utah in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are American Internet 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