GoodLeap in Utah vs the state
20.4%Denial rate+4.46 pts vs state
23.7%Decision denial rate+4.49 pts vs state
53.5%Origination rate-9.72 pts vs state
6.70%Median rate+0.08 pts vs state
0.04Rate spread (pts)-0.20 pts vs state
$86kMedian applicant income
152Loans originated
58Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 37 | 20.0% | 5.88% | #129 |
| 2024 | 110 | 54 | 23.6% | 5.63% | #123 |
| 2025 | 284 | 152 | 20.4% | 6.70% | #82 |
What GoodLeap lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most GoodLeap applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 97 | 46 | 18 | 18.6% |
| Utah County | 44 | 24 | 9 | 20.5% |
| Davis County | 42 | 22 | 11 | 26.2% |
| Weber County | 30 | 21 | 2 | 6.7% |
| Tooele County | 13 | 9 | 0 | 0.0% |
| Washington County | 10 | 6 | 3 | 30.0% |
| Iron County | 8 | 5 | 3 | 37.5% |
| Cache County | 7 | 5 | 0 | 0.0% |
| Carbon County | 7 | 4 | 2 | 28.6% |
| Box Elder County | 4 | 3 | 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: 284 applications in 2025, of which 152 were originated and 58 denied.
20.4% of all applications, or 23.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans GoodLeap originated in Utah in 2025 was 6.70%, against a statewide median of 6.63%.
About this data. Figures are GoodLeap'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