Clearedge Lending in Utah vs the state
25.3%Denial rate+9.33 pts vs state
31.9%Decision denial rate+12.70 pts vs state
54.0%Origination rate-9.22 pts vs state
7.38%Median rate+0.75 pts vs state
0.96Rate spread (pts)+0.72 pts vs state
$286kMedian applicant income
47Loans originated
22Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 2 | 44.4% | 7.31% | #277 |
| 2024 | 30 | 15 | 33.3% | 7.25% | #191 |
| 2025 | 87 | 47 | 25.3% | 7.38% | #139 |
What Clearedge Lending lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Clearedge Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 25 | 11 | 8 | 32.0% |
| Salt Lake County | 21 | 10 | 6 | 28.6% |
| Summit County | 12 | 9 | 1 | 8.3% |
| Utah County | 10 | 6 | 3 | 30.0% |
| Tooele County | 7 | 4 | 3 | 42.9% |
| Davis County | 4 | 4 | 0 | 0.0% |
| Wasatch County | 3 | 1 | 0 | 0.0% |
| Iron County | 1 | 0 | 0 | 0.0% |
| Kane County | 1 | 0 | 1 | 100.0% |
| Morgan County | 1 | 1 | 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: 87 applications in 2025, of which 47 were originated and 22 denied.
25.3% of all applications, or 31.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Clearedge Lending originated in Utah in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Clearedge Lending'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