Crosscountry Mortgage in Utah vs the state
2.9%Denial rate-13.02 pts vs state
4.1%Decision denial rate-15.12 pts vs state
68.5%Origination rate+5.23 pts vs state
6.63%Median rate0.00 pts vs state
0.41Rate spread (pts)+0.17 pts vs state
$128kMedian applicant income
745Loans originated
32Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 717 | 437 | 1.1% | 6.88% | #35 |
| 2024 | 828 | 553 | 1.5% | 6.88% | #37 |
| 2025 | 1,088 | 745 | 2.9% | 6.63% | #31 |
What Crosscountry Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Crosscountry Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 421 | 284 | 16 | 3.8% |
| Utah County | 196 | 122 | 3 | 1.5% |
| Washington County | 93 | 68 | 6 | 6.5% |
| Weber County | 73 | 54 | 0 | 0.0% |
| Davis County | 67 | 50 | 2 | 3.0% |
| Wasatch County | 61 | 46 | 1 | 1.6% |
| Tooele County | 50 | 41 | 1 | 2.0% |
| Summit County | 44 | 28 | 0 | 0.0% |
| Iron County | 12 | 8 | 0 | 0.0% |
| Sanpete County | 11 | 6 | 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: 1,088 applications in 2025, of which 745 were originated and 32 denied.
2.9% of all applications, or 4.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Crosscountry Mortgage originated in Utah in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Crosscountry 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