Longbridge Financial in Utah vs the state
7.5%Denial rate-8.48 pts vs state
8.1%Decision denial rate-11.13 pts vs state
76.0%Origination rate+12.74 pts vs state
6.00%Median rate-0.63 pts vs state
—Rate spread (pts)
$40kMedian applicant income
193Loans originated
19Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 154 | 6.7% | 7.21% | #95 |
| 2024 | 228 | 184 | 5.7% | 6.82% | #87 |
| 2025 | 254 | 193 | 7.5% | 6.00% | #88 |
What Longbridge Financial lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Longbridge Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 122 | 94 | 8 | 6.6% |
| Utah County | 41 | 26 | 6 | 14.6% |
| Washington County | 31 | 25 | 1 | 3.2% |
| Davis County | 14 | 11 | 1 | 7.1% |
| Summit County | 9 | 6 | 2 | 22.2% |
| Wasatch County | 9 | 6 | 0 | 0.0% |
| Weber County | 8 | 7 | 0 | 0.0% |
| Tooele County | 4 | 3 | 0 | 0.0% |
| Cache County | 3 | 3 | 0 | 0.0% |
| Iron County | 3 | 3 | 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: 254 applications in 2025, of which 193 were originated and 19 denied.
7.5% of all applications, or 8.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Longbridge Financial originated in Utah in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Longbridge Financial'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