Hometown Equity Mortgage in Utah vs the state
50.3%Denial rate+34.36 pts vs state
51.7%Decision denial rate+32.48 pts vs state
47.1%Origination rate-16.14 pts vs state
7.25%Median rate+0.63 pts vs state
0.81Rate spread (pts)+0.57 pts vs state
$202kMedian applicant income
73Loans originated
78Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 20 | 41.2% | 8.06% | #148 |
| 2024 | 181 | 86 | 48.6% | 7.19% | #98 |
| 2025 | 155 | 73 | 50.3% | 7.25% | #114 |
What Hometown Equity Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 52 | 21 | 28 | 53.8% |
| Washington County | 19 | 9 | 10 | 52.6% |
| Weber County | 18 | 6 | 11 | 61.1% |
| Utah County | 18 | 12 | 6 | 33.3% |
| Davis County | 12 | 4 | 8 | 66.7% |
| Wasatch County | 6 | 5 | 1 | 16.7% |
| Sanpete County | 5 | 4 | 1 | 20.0% |
| Cache County | 5 | 1 | 4 | 80.0% |
| San Juan County | 4 | 0 | 4 | 100.0% |
| Summit County | 3 | 2 | 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 73 were originated and 78 denied.
50.3% of all applications, or 51.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Hometown Equity Mortgage originated in Utah in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity 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