Lima One Capital in Utah vs the state
14.9%Denial rate-1.07 pts vs state
16.3%Decision denial rate-2.90 pts vs state
76.6%Origination rate+13.36 pts vs state
10.40%Median rate+3.78 pts vs state
—Rate spread (pts)
—Median applicant income
36Loans originated
7Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 7 | 0.0% | 11.45% | #296 |
| 2024 | 32 | 7 | 28.1% | 10.95% | #188 |
| 2025 | 47 | 36 | 14.9% | 10.40% | #177 |
What Lima One Capital lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wasatch County | 17 | 16 | 0 | 0.0% |
| Salt Lake County | 11 | 7 | 4 | 36.4% |
| Utah County | 7 | 5 | 1 | 14.3% |
| Washington County | 5 | 3 | 0 | 0.0% |
| Summit County | 4 | 3 | 1 | 25.0% |
| Weber County | 2 | 2 | 0 | 0.0% |
| Box Elder County | 1 | 0 | 1 | 100.0% |
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: 47 applications in 2025, of which 36 were originated and 7 denied.
14.9% of all applications, or 16.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Lima One Capital originated in Utah in 2025 was 10.40%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital'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