Evo Home Loans in Utah vs the state
6.7%Denial rate-9.29 pts vs state
7.7%Decision denial rate-11.49 pts vs state
60.0%Origination rate-3.24 pts vs state
6.88%Median rate+0.25 pts vs state
0.40Rate spread (pts)+0.16 pts vs state
$137kMedian applicant income
9Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 8 | 6.7% | 7.56% | #228 |
| 2024 | 15 | 8 | 13.3% | 7.06% | #238 |
| 2025 | 15 | 9 | 6.7% | 6.88% | #258 |
What Evo Home Loans lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Evo Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 7 | 3 | 1 | 14.3% |
| Utah County | 3 | 2 | 0 | 0.0% |
| Salt Lake County | 2 | 1 | 0 | 0.0% |
| Iron County | 1 | 1 | 0 | 0.0% |
| Davis County | 1 | 1 | 0 | 0.0% |
| Wasatch 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: 15 applications in 2025, of which 9 were originated and 1 denied.
6.7% of all applications, or 7.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Evo Home Loans originated in Utah in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Evo Home 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