Lendingone in Utah vs the state
15.9%Denial rate-0.09 pts vs state
71.4%Decision denial rate+52.25 pts vs state
6.4%Origination rate-56.89 pts vs state
6.94%Median rate+0.32 pts vs state
—Rate spread (pts)
—Median applicant income
4Loans originated
10Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 0 | 60.9% | — | #198 |
| 2024 | 65 | 8 | 70.8% | 8.23% | #149 |
| 2025 | 63 | 4 | 15.9% | 6.94% | #155 |
What Lendingone lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 21 | 0 | 5 | 23.8% |
| Utah County | 8 | 0 | 0 | 0.0% |
| Weber County | 6 | 0 | 0 | 0.0% |
| Summit County | 5 | 2 | 0 | 0.0% |
| Wasatch County | 4 | 0 | 2 | 50.0% |
| Uintah County | 3 | 1 | 0 | 0.0% |
| Davis County | 3 | 0 | 1 | 33.3% |
| Grand County | 2 | 0 | 0 | 0.0% |
| Washington County | 2 | 0 | 1 | 50.0% |
| Cache County | 2 | 1 | 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: 63 applications in 2025, of which 4 were originated and 10 denied.
15.9% of all applications, or 71.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Lendingone originated in Utah in 2025 was 6.94%, against a statewide median of 6.63%.
About this data. Figures are Lendingone'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