Nexera Holding in Utah vs the state
11.0%Denial rate-5.01 pts vs state
16.4%Decision denial rate-2.76 pts vs state
55.2%Origination rate-8.02 pts vs state
7.13%Median rate+0.50 pts vs state
0.84Rate spread (pts)+0.60 pts vs state
$254kMedian applicant income
111Loans originated
22Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 62 | 5.6% | 8.06% | #114 |
| 2024 | 145 | 79 | 5.5% | 7.75% | #106 |
| 2025 | 201 | 111 | 11.0% | 7.13% | #99 |
What Nexera Holding lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Nexera Holding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 81 | 49 | 10 | 12.3% |
| Utah County | 39 | 20 | 3 | 7.7% |
| Weber County | 15 | 4 | 3 | 20.0% |
| Davis County | 13 | 8 | 0 | 0.0% |
| Summit County | 10 | 8 | 1 | 10.0% |
| Tooele County | 9 | 6 | 0 | 0.0% |
| Wasatch County | 9 | 6 | 1 | 11.1% |
| Washington County | 8 | 4 | 2 | 25.0% |
| Cache County | 5 | 2 | 1 | 20.0% |
| Beaver County | 4 | 1 | 1 | 25.0% |
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: 201 applications in 2025, of which 111 were originated and 22 denied.
11.0% of all applications, or 16.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Nexera Holding originated in Utah in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Nexera Holding'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