Home Mortgage Alliance Corporation (HMAC) in Utah vs the state
12.5%Denial rate-3.46 pts vs state
16.7%Decision denial rate-2.51 pts vs state
50.0%Origination rate-13.24 pts vs state
8.44%Median rate+1.81 pts vs state
2.03Rate spread (pts)+1.79 pts vs state
$267kMedian applicant income
12Loans originated
3Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 11 | 18.2% | 10.38% | #174 |
| 2024 | 44 | 20 | 4.6% | 9.44% | #167 |
| 2025 | 24 | 12 | 12.5% | 8.44% | #226 |
What Home Mortgage Alliance Corporation (HMAC) lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 10 | 2 | 2 | 20.0% |
| Weber County | 4 | 3 | 0 | 0.0% |
| Utah County | 3 | 3 | 0 | 0.0% |
| Davis County | 2 | 2 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Summit County | 2 | 1 | 1 | 50.0% |
| Morgan 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: 24 applications in 2025, of which 12 were originated and 3 denied.
12.5% of all applications, or 16.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Utah in 2025 was 8.44%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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