Finance of America Reverse in Utah vs the state
10.7%Denial rate-5.28 pts vs state
12.5%Decision denial rate-6.68 pts vs state
73.8%Origination rate+10.55 pts vs state
6.38%Median rate-0.25 pts vs state
—Rate spread (pts)
$35kMedian applicant income
152Loans originated
22Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 197 | 147 | 9.1% | 7.61% | #94 |
| 2024 | 168 | 119 | 6.6% | 7.12% | #100 |
| 2025 | 206 | 152 | 10.7% | 6.38% | #97 |
What Finance of America Reverse lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 77 | 55 | 12 | 15.6% |
| Davis County | 23 | 17 | 2 | 8.7% |
| Utah County | 22 | 18 | 0 | 0.0% |
| Washington County | 20 | 15 | 2 | 10.0% |
| Weber County | 14 | 11 | 0 | 0.0% |
| Cache County | 10 | 6 | 0 | 0.0% |
| Summit County | 8 | 7 | 0 | 0.0% |
| Wasatch County | 6 | 3 | 3 | 50.0% |
| Box Elder County | 6 | 4 | 1 | 16.7% |
| Tooele County | 4 | 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: 206 applications in 2025, of which 152 were originated and 22 denied.
10.7% of all applications, or 12.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Finance of America Reverse originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Finance of America Reverse'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