Inspire Home Loans in Utah vs the state
4.4%Denial rate-11.58 pts vs state
4.5%Decision denial rate-14.66 pts vs state
91.3%Origination rate+28.01 pts vs state
4.88%Median rate-1.75 pts vs state
-0.77Rate spread (pts)-1.01 pts vs state
$110kMedian applicant income
146Loans originated
7Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 113 | 94 | 2.7% | 5.63% | #121 |
| 2024 | 69 | 55 | 7.3% | 5.63% | #143 |
| 2025 | 160 | 146 | 4.4% | 4.88% | #111 |
What Inspire Home Loans lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 144 | 131 | 7 | 4.9% |
| Weber County | 11 | 11 | 0 | 0.0% |
| Davis County | 5 | 4 | 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: 160 applications in 2025, of which 146 were originated and 7 denied.
4.4% of all applications, or 4.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Inspire Home Loans originated in Utah in 2025 was 4.88%, against a statewide median of 6.63%.
About this data. Figures are Inspire Home Loans'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