Mountain America Federal Credit Union in Utah vs the state
36.5%Denial rate+20.54 pts vs state
43.4%Decision denial rate+24.17 pts vs state
46.9%Origination rate-16.34 pts vs state
7.24%Median rate+0.62 pts vs state
0.79Rate spread (pts)+0.55 pts vs state
$107kMedian applicant income
7,223Loans originated
5,621Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16,582 | 8,270 | 27.3% | 8.00% | #2 |
| 2024 | 15,391 | 7,147 | 32.2% | 8.50% | #2 |
| 2025 | 15,401 | 7,223 | 36.5% | 7.24% | #2 |
What Mountain America Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Mountain America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 5,244 | 2,412 | 1,967 | 37.5% |
| Utah County | 2,764 | 1,324 | 1,018 | 36.8% |
| Washington County | 1,330 | 601 | 485 | 36.5% |
| Davis County | 1,147 | 595 | 361 | 31.5% |
| Tooele County | 744 | 338 | 294 | 39.5% |
| Weber County | 662 | 300 | 238 | 36.0% |
| Uintah County | 656 | 335 | 213 | 32.5% |
| Iron County | 519 | 269 | 157 | 30.3% |
| Cache County | 345 | 158 | 132 | 38.3% |
| Duchesne County | 305 | 139 | 107 | 35.1% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| 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% |
| Utah Community Federal Credit Union | B | 2,573 | 16.1% | 6.99% |
Frequently asked questions
Utah: 15,401 applications in 2025, of which 7,223 were originated and 5,621 denied.
36.5% of all applications, or 43.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Mountain America Federal Credit Union originated in Utah in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are Mountain America Federal Credit Union'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