Mortgage Research Center in Utah vs the state
17.2%Denial rate+1.25 pts vs state
28.8%Decision denial rate+9.66 pts vs state
41.8%Origination rate-21.43 pts vs state
5.99%Median rate-0.63 pts vs state
-0.43Rate spread (pts)-0.67 pts vs state
$107kMedian applicant income
447Loans originated
184Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 576 | 231 | 18.2% | 6.63% | #46 |
| 2024 | 761 | 334 | 17.7% | 6.25% | #41 |
| 2025 | 1,069 | 447 | 17.2% | 5.99% | #32 |
What Mortgage Research Center lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 210 | 80 | 42 | 20.0% |
| Weber County | 164 | 78 | 22 | 13.4% |
| Davis County | 154 | 65 | 29 | 18.8% |
| Utah County | 121 | 46 | 23 | 19.0% |
| Washington County | 77 | 36 | 10 | 13.0% |
| Tooele County | 62 | 18 | 13 | 21.0% |
| Iron County | 54 | 24 | 8 | 14.8% |
| Box Elder County | 50 | 16 | 10 | 20.0% |
| Cache County | 43 | 22 | 7 | 16.3% |
| Uintah County | 16 | 8 | 1 | 6.3% |
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: 1,069 applications in 2025, of which 447 were originated and 184 denied.
17.2% of all applications, or 28.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Mortgage Research Center originated in Utah in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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