Mutual of Omaha Mortgage in Utah vs the state
12.5%Denial rate-3.50 pts vs state
15.0%Decision denial rate-4.18 pts vs state
68.7%Origination rate+5.45 pts vs state
6.13%Median rate-0.50 pts vs state
-0.02Rate spread (pts)-0.26 pts vs state
$61kMedian applicant income
215Loans originated
39Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 121 | 19.8% | 7.16% | #97 |
| 2024 | 238 | 180 | 11.8% | 6.75% | #85 |
| 2025 | 313 | 215 | 12.5% | 6.13% | #76 |
What Mutual of Omaha Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 118 | 81 | 17 | 14.4% |
| Utah County | 61 | 42 | 7 | 11.5% |
| Davis County | 26 | 17 | 4 | 15.4% |
| Weber County | 25 | 19 | 2 | 8.0% |
| Washington County | 24 | 18 | 1 | 4.2% |
| Tooele County | 10 | 8 | 1 | 10.0% |
| Iron County | 9 | 6 | 2 | 22.2% |
| Cache County | 8 | 7 | 0 | 0.0% |
| Wasatch County | 6 | 4 | 1 | 16.7% |
| Summit County | 5 | 4 | 1 | 20.0% |
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: 313 applications in 2025, of which 215 were originated and 39 denied.
12.5% of all applications, or 15.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Mutual of Omaha Mortgage originated in Utah in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Mutual of Omaha Mortgage'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