Homebridge Financial Services in Utah vs the state
12.9%Denial rate-3.06 pts vs state
15.2%Decision denial rate-4.03 pts vs state
70.3%Origination rate+7.08 pts vs state
10.10%Median rate+3.47 pts vs state
-0.01Rate spread (pts)-0.25 pts vs state
$125kMedian applicant income
109Loans originated
20Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 62 | 26.4% | 10.95% | #112 |
| 2024 | 115 | 72 | 18.3% | 11.36% | #120 |
| 2025 | 155 | 109 | 12.9% | 10.10% | #113 |
What Homebridge Financial Services lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Homebridge Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 62 | 40 | 7 | 11.3% |
| Weber County | 20 | 16 | 2 | 10.0% |
| Utah County | 19 | 14 | 4 | 21.1% |
| Davis County | 13 | 8 | 0 | 0.0% |
| Washington County | 13 | 8 | 4 | 30.8% |
| Tooele County | 8 | 8 | 0 | 0.0% |
| Box Elder County | 4 | 4 | 0 | 0.0% |
| Summit County | 4 | 3 | 1 | 25.0% |
| Cache County | 3 | 3 | 0 | 0.0% |
| Sanpete County | 3 | 0 | 1 | 33.3% |
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: 155 applications in 2025, of which 109 were originated and 20 denied.
12.9% of all applications, or 15.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Homebridge Financial Services originated in Utah in 2025 was 10.10%, against a statewide median of 6.63%.
About this data. Figures are Homebridge Financial Services'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