Fundloans Capital in Utah vs the state
6.3%Denial rate-9.71 pts vs state
10.5%Decision denial rate-8.65 pts vs state
53.1%Origination rate-10.11 pts vs state
7.49%Median rate+0.87 pts vs state
1.85Rate spread (pts)+1.61 pts vs state
$254kMedian applicant income
17Loans originated
2Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 13 | 20.0% | 9.13% | #212 |
| 2024 | 23 | 13 | 0.0% | 8.13% | #211 |
| 2025 | 32 | 17 | 6.3% | 7.49% | #208 |
What Fundloans Capital lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Fundloans Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 10 | 3 | 2 | 20.0% |
| Salt Lake County | 10 | 6 | 0 | 0.0% |
| Washington County | 5 | 3 | 0 | 0.0% |
| Davis County | 2 | 2 | 0 | 0.0% |
| Summit County | 2 | 1 | 0 | 0.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
| Sanpete County | 1 | 1 | 0 | 0.0% |
| Tooele County | 1 | 0 | 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: 32 applications in 2025, of which 17 were originated and 2 denied.
6.3% of all applications, or 10.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Fundloans Capital originated in Utah in 2025 was 7.49%, against a statewide median of 6.63%.
About this data. Figures are Fundloans Capital'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