Homeamerican Mortgage in Utah vs the state
7.3%Denial rate-8.69 pts vs state
7.8%Decision denial rate-11.36 pts vs state
75.2%Origination rate+11.95 pts vs state
4.63%Median rate-2.00 pts vs state
-1.57Rate spread (pts)-1.80 pts vs state
$135kMedian applicant income
300Loans originated
29Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 356 | 229 | 14.3% | 5.75% | #67 |
| 2024 | 468 | 361 | 8.8% | 5.50% | #55 |
| 2025 | 399 | 300 | 7.3% | 4.63% | #67 |
What Homeamerican Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Homeamerican Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 122 | 92 | 12 | 9.8% |
| Tooele County | 86 | 60 | 8 | 9.3% |
| Box Elder County | 54 | 46 | 3 | 5.6% |
| Weber County | 54 | 45 | 0 | 0.0% |
| Salt Lake County | 47 | 32 | 3 | 6.4% |
| Washington County | 25 | 19 | 2 | 8.0% |
| Morgan County | 11 | 6 | 1 | 9.1% |
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: 399 applications in 2025, of which 300 were originated and 29 denied.
7.3% of all applications, or 7.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Homeamerican Mortgage originated in Utah in 2025 was 4.63%, against a statewide median of 6.63%.
About this data. Figures are Homeamerican 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