Ameritrust Mortgage in Utah vs the state
5.2%Denial rate-10.79 pts vs state
8.3%Decision denial rate-10.85 pts vs state
55.2%Origination rate-8.07 pts vs state
7.43%Median rate+0.81 pts vs state
0.54Rate spread (pts)+0.30 pts vs state
$229kMedian applicant income
32Loans originated
3Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 36 | 23 | 0.0% | 7.88% | #180 |
| 2025 | 58 | 32 | 5.2% | 7.43% | #160 |
What Ameritrust Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Ameritrust Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 14 | 6 | 0 | 0.0% |
| Wasatch County | 9 | 7 | 0 | 0.0% |
| Salt Lake County | 9 | 5 | 1 | 11.1% |
| Summit County | 8 | 3 | 2 | 25.0% |
| Washington County | 8 | 4 | 0 | 0.0% |
| Weber County | 4 | 4 | 0 | 0.0% |
| Cache County | 3 | 2 | 0 | 0.0% |
| Box Elder County | 1 | 0 | 0 | 0.0% |
| Davis County | 1 | 1 | 0 | 0.0% |
| Grand County | 1 | 0 | 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: 58 applications in 2025, of which 32 were originated and 3 denied.
5.2% 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 Ameritrust Mortgage originated in Utah in 2025 was 7.43%, against a statewide median of 6.63%.
About this data. Figures are Ameritrust 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