Equity Prime Mortgage in Utah vs the state
10.3%Denial rate-5.67 pts vs state
16.1%Decision denial rate-3.11 pts vs state
53.1%Origination rate-10.10 pts vs state
6.50%Median rate-0.13 pts vs state
0.67Rate spread (pts)+0.43 pts vs state
$102kMedian applicant income
93Loans originated
18Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 33 | 4.2% | 6.88% | #138 |
| 2024 | 143 | 84 | 2.8% | 7.38% | #107 |
| 2025 | 175 | 93 | 10.3% | 6.50% | #108 |
What Equity Prime Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 53 | 24 | 5 | 9.4% |
| Utah County | 25 | 13 | 3 | 12.0% |
| Weber County | 25 | 17 | 2 | 8.0% |
| Tooele County | 19 | 8 | 2 | 10.5% |
| Davis County | 16 | 9 | 1 | 6.3% |
| Washington County | 7 | 4 | 1 | 14.3% |
| Box Elder County | 6 | 3 | 0 | 0.0% |
| Carbon County | 4 | 0 | 1 | 25.0% |
| Duchesne County | 3 | 3 | 0 | 0.0% |
| Wasatch County | 3 | 2 | 1 | 33.3% |
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: 175 applications in 2025, of which 93 were originated and 18 denied.
10.3% of all applications, or 16.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Equity Prime Mortgage originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Equity Prime 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