Nest Home Lending in Utah vs the state
0.4%Denial rate-15.54 pts vs state
0.6%Decision denial rate-18.62 pts vs state
73.8%Origination rate+10.51 pts vs state
5.88%Median rate-0.75 pts vs state
-0.01Rate spread (pts)-0.25 pts vs state
$102kMedian applicant income
177Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 164 | 124 | 1.2% | 5.38% | #101 |
| 2024 | 219 | 181 | 0.9% | 5.88% | #90 |
| 2025 | 240 | 177 | 0.4% | 5.88% | #92 |
What Nest Home Lending lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Nest Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 191 | 141 | 1 | 0.5% |
| Salt Lake County | 38 | 28 | 0 | 0.0% |
| Davis County | 10 | 7 | 0 | 0.0% |
| Tooele 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: 240 applications in 2025, of which 177 were originated and 1 denied.
0.4% of all applications, or 0.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Nest Home Lending originated in Utah in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Nest Home Lending'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