Direct Mortgage Loans in Utah vs the state
0.0%Denial rate-15.96 pts vs state
0.0%Decision denial rate-19.18 pts vs state
100.0%Origination rate+36.76 pts vs state
6.50%Median rate-0.13 pts vs state
0.79Rate spread (pts)+0.55 pts vs state
$148kMedian applicant income
7Loans originated
0Denied
What Direct Mortgage Loans lends in Utah
By loan purpose
By loan type
Where in Utah
Counties with the most Direct Mortgage Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 3 | 3 | 0 | 0.0% |
| Weber County | 2 | 2 | 0 | 0.0% |
| Utah County | 1 | 1 | 0 | 0.0% |
| Davis 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: 7 applications in 2025, of which 7 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Direct Mortgage Loans originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Direct Mortgage Loans'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