Nations Direct Mortgage in Utah vs the state
15.8%Denial rate-0.17 pts vs state
21.4%Decision denial rate+2.25 pts vs state
57.9%Origination rate-5.35 pts vs state
6.38%Median rate-0.25 pts vs state
0.24Rate spread (pts)0.00 pts vs state
$219kMedian applicant income
11Loans originated
3Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 17 | 14.3% | 7.38% | #173 |
| 2024 | 21 | 10 | 19.1% | 6.88% | #219 |
| 2025 | 19 | 11 | 15.8% | 6.38% | #242 |
What Nations Direct Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 8 | 3 | 2 | 25.0% |
| Utah County | 4 | 3 | 0 | 0.0% |
| Weber County | 3 | 3 | 0 | 0.0% |
| Wasatch County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 1 | 100.0% |
| Uintah County | 1 | 0 | 0 | 0.0% |
| Summit County | 1 | 1 | 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: 19 applications in 2025, of which 11 were originated and 3 denied.
15.8% of all applications, or 21.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Nations Direct Mortgage originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct 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