Dhi Mortgage Company in Utah vs the state
8.6%Denial rate-7.37 pts vs state
10.2%Decision denial rate-8.95 pts vs state
74.5%Origination rate+11.23 pts vs state
5.75%Median rate-0.88 pts vs state
-0.68Rate spread (pts)-0.92 pts vs state
$106kMedian applicant income
1,170Loans originated
135Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,956 | 1,545 | 5.9% | 6.00% | #13 |
| 2024 | 1,870 | 1,561 | 6.0% | 5.50% | #14 |
| 2025 | 1,571 | 1,170 | 8.6% | 5.75% | #19 |
What Dhi Mortgage Company lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Dhi Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 900 | 680 | 70 | 7.8% |
| Washington County | 324 | 244 | 24 | 7.4% |
| Salt Lake County | 137 | 96 | 21 | 15.3% |
| Tooele County | 77 | 52 | 8 | 10.4% |
| Iron County | 70 | 50 | 9 | 12.9% |
| Weber County | 62 | 47 | 3 | 4.8% |
| Summit 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: 1,571 applications in 2025, of which 1,170 were originated and 135 denied.
8.6% of all applications, or 10.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Dhi Mortgage Company originated in Utah in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Dhi Mortgage Company'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