Ladera Lending in Utah vs the state
9.1%Denial rate-6.87 pts vs state
100.0%Decision denial rate+80.82 pts vs state
0.0%Origination rate-63.24 pts vs state
—Median rate
—Rate spread (pts)
$108kMedian applicant income
0Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 21 | 3.6% | 6.75% | #147 |
| 2024 | 30 | 10 | 3.3% | 6.44% | #192 |
| 2025 | 11 | 0 | 9.1% | — | #285 |
What Ladera Lending lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Ladera Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 4 | 0 | 1 | 25.0% |
| Salt Lake County | 3 | 0 | 0 | 0.0% |
| Davis County | 1 | 0 | 0 | 0.0% |
| Sanpete County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Iron County | 1 | 0 | 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: 11 applications in 2025, of which 0 were originated and 1 denied.
9.1% of all applications, or 100.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Ladera 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