Luminate Home Loans in Utah vs the state
16.7%Denial rate+0.71 pts vs state
28.6%Decision denial rate+9.39 pts vs state
41.7%Origination rate-21.57 pts vs state
7.00%Median rate+0.38 pts vs state
0.08Rate spread (pts)-0.16 pts vs state
$170kMedian applicant income
5Loans originated
2Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 211 | 147 | 3.8% | 6.99% | #90 |
| 2024 | 241 | 161 | 0.4% | 6.99% | #84 |
| 2025 | 12 | 5 | 16.7% | 7.00% | #274 |
What Luminate Home Loans lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Luminate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Iron County | 5 | 3 | 2 | 40.0% |
| Salt Lake County | 4 | 0 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Summit County | 1 | 1 | 0 | 0.0% |
| Box Elder 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: 12 applications in 2025, of which 5 were originated and 2 denied.
16.7% of all applications, or 28.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Luminate Home Loans originated in Utah in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Luminate Home Loans'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