Plaza Home Mortgage in Utah vs the state
28.2%Denial rate+12.23 pts vs state
31.7%Decision denial rate+12.49 pts vs state
59.4%Origination rate-3.89 pts vs state
6.38%Median rate-0.25 pts vs state
0.17Rate spread (pts)-0.07 pts vs state
$106kMedian applicant income
200Loans originated
95Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 61 | 21.3% | 6.75% | #123 |
| 2024 | 365 | 223 | 21.1% | 6.50% | #66 |
| 2025 | 337 | 200 | 28.2% | 6.38% | #73 |
What Plaza Home Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 73 | 45 | 16 | 21.9% |
| Utah County | 71 | 42 | 17 | 23.9% |
| Weber County | 38 | 27 | 8 | 21.1% |
| Davis County | 33 | 12 | 14 | 42.4% |
| Sanpete County | 28 | 24 | 4 | 14.3% |
| Box Elder County | 21 | 14 | 6 | 28.6% |
| Carbon County | 15 | 3 | 9 | 60.0% |
| Washington County | 15 | 11 | 2 | 13.3% |
| Cache County | 5 | 3 | 1 | 20.0% |
| Summit County | 4 | 2 | 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: 337 applications in 2025, of which 200 were originated and 95 denied.
28.2% of all applications, or 31.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Plaza Home Mortgage originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Plaza Home 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