Kind Lending in Utah vs the state
20.3%Denial rate+4.37 pts vs state
22.3%Decision denial rate+3.10 pts vs state
69.7%Origination rate+6.45 pts vs state
6.50%Median rate-0.13 pts vs state
0.09Rate spread (pts)-0.15 pts vs state
$132kMedian applicant income
2,249Loans originated
656Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 723 | 448 | 23.9% | 6.50% | #33 |
| 2024 | 2,199 | 1,459 | 21.3% | 6.63% | #13 |
| 2025 | 3,227 | 2,249 | 20.3% | 6.50% | #9 |
What Kind Lending lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 1,066 | 741 | 223 | 20.9% |
| Utah County | 633 | 438 | 118 | 18.6% |
| Davis County | 400 | 304 | 64 | 16.0% |
| Weber County | 331 | 219 | 70 | 21.1% |
| Washington County | 193 | 139 | 38 | 19.7% |
| Cache County | 141 | 106 | 25 | 17.7% |
| Tooele County | 136 | 90 | 32 | 23.5% |
| Box Elder County | 86 | 54 | 21 | 24.4% |
| Wasatch County | 47 | 30 | 12 | 25.5% |
| Iron County | 28 | 21 | 7 | 25.0% |
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% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
| Utah Community Federal Credit Union | B | 2,573 | 16.1% | 6.99% |
Frequently asked questions
Utah: 3,227 applications in 2025, of which 2,249 were originated and 656 denied.
20.3% of all applications, or 22.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Kind Lending originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Kind 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