Guild Mortgage in Utah vs the state
1.5%Denial rate-14.45 pts vs state
1.9%Decision denial rate-17.28 pts vs state
73.4%Origination rate+10.12 pts vs state
6.50%Median rate-0.13 pts vs state
0.28Rate spread (pts)+0.04 pts vs state
$112kMedian applicant income
3,981Loans originated
82Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,528 | 1,085 | 3.7% | 6.75% | #19 |
| 2024 | 4,252 | 3,115 | 2.4% | 6.63% | #6 |
| 2025 | 5,427 | 3,981 | 1.5% | 6.50% | #5 |
What Guild Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 918 | 695 | 21 | 2.3% |
| Salt Lake County | 865 | 611 | 13 | 1.5% |
| Utah County | 791 | 615 | 10 | 1.3% |
| Weber County | 757 | 545 | 9 | 1.2% |
| Davis County | 494 | 374 | 5 | 1.0% |
| Cache County | 482 | 336 | 4 | 0.8% |
| Box Elder County | 282 | 201 | 3 | 1.1% |
| Uintah County | 229 | 164 | 3 | 1.3% |
| Iron County | 186 | 139 | 2 | 1.1% |
| Wasatch County | 89 | 57 | 3 | 3.4% |
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% |
| 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% |
| Utah Community Federal Credit Union | B | 2,573 | 16.1% | 6.99% |
Frequently asked questions
Utah: 5,427 applications in 2025, of which 3,981 were originated and 82 denied.
1.5% of all applications, or 1.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Guild Mortgage originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guild 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