Homexpress Mortgage in Utah vs the state
44.8%Denial rate+28.87 pts vs state
45.1%Decision denial rate+25.96 pts vs state
54.5%Origination rate-8.76 pts vs state
7.38%Median rate+0.75 pts vs state
1.16Rate spread (pts)+0.92 pts vs state
$293kMedian applicant income
79Loans originated
65Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 113 | 61 | 43.4% | 8.25% | #120 |
| 2024 | 120 | 65 | 45.0% | 7.75% | #116 |
| 2025 | 145 | 79 | 44.8% | 7.38% | #117 |
What Homexpress Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 40 | 17 | 22 | 55.0% |
| Salt Lake County | 38 | 20 | 18 | 47.4% |
| Washington County | 24 | 13 | 11 | 45.8% |
| Davis County | 8 | 7 | 1 | 12.5% |
| Weber County | 8 | 4 | 4 | 50.0% |
| Summit County | 4 | 3 | 1 | 25.0% |
| Iron County | 4 | 4 | 0 | 0.0% |
| Sanpete County | 3 | 2 | 1 | 33.3% |
| Wasatch County | 3 | 2 | 1 | 33.3% |
| Morgan County | 2 | 0 | 2 | 100.0% |
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: 145 applications in 2025, of which 79 were originated and 65 denied.
44.8% of all applications, or 45.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Homexpress Mortgage originated in Utah in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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