Jmac Lending in Utah vs the state
3.1%Denial rate-12.89 pts vs state
4.4%Decision denial rate-14.80 pts vs state
67.1%Origination rate+3.87 pts vs state
6.50%Median rate-0.13 pts vs state
0.25Rate spread (pts)+0.01 pts vs state
$128kMedian applicant income
153Loans originated
7Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 9 | 7.7% | 7.49% | #243 |
| 2024 | 122 | 76 | 2.5% | 6.56% | #114 |
| 2025 | 228 | 153 | 3.1% | 6.50% | #93 |
What Jmac Lending lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 68 | 46 | 1 | 1.5% |
| Utah County | 49 | 37 | 2 | 4.1% |
| Davis County | 28 | 16 | 1 | 3.6% |
| Weber County | 26 | 20 | 1 | 3.8% |
| Wasatch County | 12 | 7 | 0 | 0.0% |
| Summit County | 9 | 7 | 0 | 0.0% |
| Tooele County | 7 | 2 | 0 | 0.0% |
| Cache County | 7 | 5 | 0 | 0.0% |
| Uintah County | 5 | 3 | 0 | 0.0% |
| Washington County | 4 | 2 | 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: 228 applications in 2025, of which 153 were originated and 7 denied.
3.1% of all applications, or 4.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Jmac Lending originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Jmac Lending'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