Freedom Mortgage in Utah vs the state
8.7%Denial rate-7.31 pts vs state
13.5%Decision denial rate-5.67 pts vs state
46.9%Origination rate-16.37 pts vs state
6.13%Median rate-0.50 pts vs state
0.15Rate spread (pts)-0.09 pts vs state
$112kMedian applicant income
726Loans originated
134Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 396 | 163 | 14.7% | 6.75% | #64 |
| 2024 | 1,064 | 494 | 10.6% | 6.25% | #28 |
| 2025 | 1,549 | 726 | 8.7% | 6.13% | #20 |
What Freedom Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 450 | 222 | 32 | 7.1% |
| Utah County | 278 | 116 | 23 | 8.3% |
| Davis County | 205 | 102 | 16 | 7.8% |
| Weber County | 172 | 80 | 18 | 10.5% |
| Washington County | 105 | 47 | 12 | 11.4% |
| Tooele County | 73 | 36 | 7 | 9.6% |
| Iron County | 52 | 23 | 4 | 7.7% |
| Box Elder County | 41 | 19 | 3 | 7.3% |
| Cache County | 37 | 22 | 0 | 0.0% |
| Uintah County | 28 | 10 | 5 | 17.9% |
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: 1,549 applications in 2025, of which 726 were originated and 134 denied.
8.7% of all applications, or 13.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Freedom Mortgage originated in Utah in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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