PHH Mortgage in Utah vs the state
9.9%Denial rate-6.02 pts vs state
17.6%Decision denial rate-1.56 pts vs state
45.9%Origination rate-17.33 pts vs state
5.99%Median rate-0.63 pts vs state
-0.12Rate spread (pts)-0.36 pts vs state
$83kMedian applicant income
157Loans originated
34Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 190 | 125 | 13.7% | 7.23% | #96 |
| 2024 | 278 | 106 | 11.5% | 6.51% | #75 |
| 2025 | 342 | 157 | 9.9% | 5.99% | #72 |
What PHH Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 111 | 56 | 8 | 7.2% |
| Weber County | 53 | 25 | 6 | 11.3% |
| Utah County | 52 | 23 | 5 | 9.6% |
| Davis County | 30 | 12 | 5 | 16.7% |
| Washington County | 24 | 12 | 2 | 8.3% |
| Tooele County | 17 | 8 | 0 | 0.0% |
| Cache County | 10 | 5 | 0 | 0.0% |
| Sanpete County | 8 | 1 | 1 | 12.5% |
| Iron County | 7 | 2 | 1 | 14.3% |
| Box Elder County | 6 | 2 | 3 | 50.0% |
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: 342 applications in 2025, of which 157 were originated and 34 denied.
9.9% of all applications, or 17.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans PHH Mortgage originated in Utah in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are PHH 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