Deephaven Mortgage in Utah vs the state
23.9%Denial rate+7.95 pts vs state
27.1%Decision denial rate+7.87 pts vs state
62.3%Origination rate-0.92 pts vs state
7.50%Median rate+0.88 pts vs state
1.41Rate spread (pts)+1.17 pts vs state
$303kMedian applicant income
86Loans originated
33Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 34 | 23.9% | 8.06% | #153 |
| 2024 | 100 | 73 | 23.0% | 7.75% | #134 |
| 2025 | 138 | 86 | 23.9% | 7.50% | #119 |
What Deephaven Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Deephaven Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 46 | 26 | 12 | 26.1% |
| Utah County | 32 | 18 | 9 | 28.1% |
| Davis County | 11 | 7 | 3 | 27.3% |
| Summit County | 9 | 8 | 1 | 11.1% |
| Washington County | 8 | 7 | 1 | 12.5% |
| Weber County | 6 | 3 | 2 | 33.3% |
| Wasatch County | 5 | 4 | 0 | 0.0% |
| Cache County | 3 | 1 | 2 | 66.7% |
| Box Elder County | 3 | 2 | 1 | 33.3% |
| Iron County | 2 | 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: 138 applications in 2025, of which 86 were originated and 33 denied.
23.9% of all applications, or 27.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Deephaven Mortgage originated in Utah in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Deephaven 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