Guaranteed Rate Affinity in Utah vs the state
7.6%Denial rate-8.40 pts vs state
12.3%Decision denial rate-6.86 pts vs state
53.5%Origination rate-9.75 pts vs state
6.51%Median rate-0.11 pts vs state
0.31Rate spread (pts)+0.07 pts vs state
$113kMedian applicant income
184Loans originated
26Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 280 | 130 | 6.4% | 6.75% | #72 |
| 2024 | 209 | 121 | 10.5% | 6.58% | #93 |
| 2025 | 344 | 184 | 7.6% | 6.51% | #71 |
What Guaranteed Rate Affinity lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 107 | 56 | 12 | 11.2% |
| Utah County | 80 | 37 | 7 | 8.8% |
| Davis County | 57 | 35 | 1 | 1.8% |
| Weber County | 46 | 26 | 2 | 4.3% |
| Summit County | 7 | 3 | 1 | 14.3% |
| Wasatch County | 7 | 6 | 0 | 0.0% |
| Tooele County | 6 | 2 | 0 | 0.0% |
| Cache County | 5 | 3 | 0 | 0.0% |
| Box Elder County | 5 | 5 | 0 | 0.0% |
| Washington County | 5 | 1 | 1 | 20.0% |
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: 344 applications in 2025, of which 184 were originated and 26 denied.
7.6% of all applications, or 12.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Guaranteed Rate Affinity originated in Utah in 2025 was 6.51%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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