Encompass Lending Group in Utah vs the state
1.5%Denial rate-14.51 pts vs state
2.4%Decision denial rate-16.74 pts vs state
56.5%Origination rate-6.72 pts vs state
6.63%Median rate0.00 pts vs state
0.36Rate spread (pts)+0.12 pts vs state
$123kMedian applicant income
39Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 10.0% | 6.87% | #273 |
| 2024 | 39 | 20 | 2.6% | 6.75% | #175 |
| 2025 | 69 | 39 | 1.5% | 6.63% | #149 |
What Encompass Lending Group lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Encompass Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 22 | 11 | 1 | 4.5% |
| Utah County | 17 | 13 | 0 | 0.0% |
| Weber County | 10 | 5 | 0 | 0.0% |
| Tooele County | 5 | 2 | 0 | 0.0% |
| Davis County | 4 | 3 | 0 | 0.0% |
| Washington County | 4 | 2 | 0 | 0.0% |
| Cache County | 2 | 0 | 0 | 0.0% |
| Wasatch County | 1 | 0 | 0 | 0.0% |
| Sevier County | 1 | 1 | 0 | 0.0% |
| Summit County | 1 | 0 | 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: 69 applications in 2025, of which 39 were originated and 1 denied.
1.5% of all applications, or 2.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Encompass Lending Group originated in Utah in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Encompass Lending Group'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