Carrington Mortgage Services in Utah vs the state
46.6%Denial rate+30.64 pts vs state
54.7%Decision denial rate+35.52 pts vs state
30.3%Origination rate-32.90 pts vs state
6.38%Median rate-0.25 pts vs state
0.43Rate spread (pts)+0.19 pts vs state
$98kMedian applicant income
125Loans originated
192Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 294 | 86 | 49.3% | 6.50% | #70 |
| 2024 | 309 | 110 | 41.4% | 6.31% | #72 |
| 2025 | 412 | 125 | 46.6% | 6.38% | #66 |
What Carrington Mortgage Services lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Carrington Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 141 | 44 | 69 | 48.9% |
| Utah County | 62 | 21 | 29 | 46.8% |
| Davis County | 51 | 14 | 25 | 49.0% |
| Weber County | 50 | 16 | 25 | 50.0% |
| Tooele County | 30 | 9 | 15 | 50.0% |
| Cache County | 15 | 7 | 3 | 20.0% |
| Washington County | 10 | 3 | 3 | 30.0% |
| Box Elder County | 9 | 2 | 3 | 33.3% |
| Iron County | 8 | 1 | 5 | 62.5% |
| Uintah County | 8 | 4 | 2 | 25.0% |
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: 412 applications in 2025, of which 125 were originated and 192 denied.
46.6% of all applications, or 54.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Carrington Mortgage Services originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Carrington Mortgage Services'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