AMWEST Funding in Utah vs the state
6.8%Denial rate-9.17 pts vs state
9.0%Decision denial rate-10.23 pts vs state
69.1%Origination rate+5.85 pts vs state
6.38%Median rate-0.25 pts vs state
0.08Rate spread (pts)-0.16 pts vs state
$148kMedian applicant income
295Loans originated
29Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 427 | 275 | 6.8% | 6.50% | #60 |
| 2024 | 395 | 260 | 8.4% | 6.75% | #62 |
| 2025 | 427 | 295 | 6.8% | 6.38% | #63 |
What AMWEST Funding lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most AMWEST Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 155 | 112 | 7 | 4.5% |
| Utah County | 122 | 81 | 11 | 9.0% |
| Davis County | 34 | 23 | 2 | 5.9% |
| Weber County | 30 | 18 | 3 | 10.0% |
| Washington County | 16 | 13 | 2 | 12.5% |
| Summit County | 14 | 9 | 2 | 14.3% |
| Cache County | 11 | 7 | 0 | 0.0% |
| Tooele County | 8 | 4 | 1 | 12.5% |
| Wasatch County | 6 | 4 | 1 | 16.7% |
| Box Elder County | 6 | 4 | 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: 427 applications in 2025, of which 295 were originated and 29 denied.
6.8% of all applications, or 9.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans AMWEST Funding originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are AMWEST Funding'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