Better Mortgage in Utah vs the state
27.5%Denial rate+11.53 pts vs state
37.2%Decision denial rate+17.98 pts vs state
45.8%Origination rate-17.49 pts vs state
6.88%Median rate+0.25 pts vs state
0.41Rate spread (pts)+0.17 pts vs state
$168kMedian applicant income
253Loans originated
152Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 82 | 33 | 1.2% | 6.00% | #132 |
| 2024 | 113 | 50 | 5.3% | 6.50% | #122 |
| 2025 | 553 | 253 | 27.5% | 6.88% | #54 |
What Better Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 203 | 107 | 47 | 23.2% |
| Utah County | 136 | 55 | 40 | 29.4% |
| Davis County | 44 | 16 | 16 | 36.4% |
| Summit County | 36 | 15 | 11 | 30.6% |
| Washington County | 27 | 13 | 8 | 29.6% |
| Weber County | 24 | 9 | 7 | 29.2% |
| Wasatch County | 19 | 11 | 6 | 31.6% |
| Tooele County | 17 | 9 | 2 | 11.8% |
| Cache County | 9 | 5 | 3 | 33.3% |
| Carbon County | 8 | 2 | 3 | 37.5% |
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: 553 applications in 2025, of which 253 were originated and 152 denied.
27.5% of all applications, or 37.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Better Mortgage originated in Utah in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Better 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