Fairway Independent Mortgage in Utah vs the state
2.7%Denial rate-13.28 pts vs state
3.6%Decision denial rate-15.58 pts vs state
71.6%Origination rate+8.39 pts vs state
6.63%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.03 pts vs state
$133kMedian applicant income
934Loans originated
35Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 893 | 638 | 3.4% | 6.75% | #27 |
| 2024 | 1,072 | 764 | 3.5% | 6.63% | #27 |
| 2025 | 1,304 | 934 | 2.7% | 6.63% | #24 |
What Fairway Independent Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 569 | 418 | 10 | 1.8% |
| Utah County | 165 | 126 | 2 | 1.2% |
| Davis County | 159 | 118 | 3 | 1.9% |
| Weber County | 150 | 108 | 7 | 4.7% |
| Summit County | 68 | 41 | 5 | 7.4% |
| Washington County | 41 | 29 | 0 | 0.0% |
| Wasatch County | 35 | 21 | 0 | 0.0% |
| Tooele County | 29 | 21 | 1 | 3.4% |
| Box Elder County | 27 | 19 | 0 | 0.0% |
| Cache County | 10 | 4 | 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: 1,304 applications in 2025, of which 934 were originated and 35 denied.
2.7% of all applications, or 3.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Fairway Independent Mortgage originated in Utah in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Fairway Independent 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