Primary Residential Mortgage in Utah vs the state
3.6%Denial rate-12.32 pts vs state
4.6%Decision denial rate-14.61 pts vs state
76.0%Origination rate+12.78 pts vs state
6.63%Median rate0.00 pts vs state
0.35Rate spread (pts)+0.11 pts vs state
$113kMedian applicant income
355Loans originated
17Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 446 | 349 | 1.8% | 6.75% | #58 |
| 2024 | 414 | 313 | 1.5% | 6.63% | #59 |
| 2025 | 467 | 355 | 3.6% | 6.63% | #59 |
What Primary Residential Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 142 | 103 | 6 | 4.2% |
| Weber County | 75 | 57 | 2 | 2.7% |
| Davis County | 71 | 57 | 1 | 1.4% |
| Utah County | 42 | 32 | 1 | 2.4% |
| San Juan County | 40 | 31 | 3 | 7.5% |
| Grand County | 36 | 29 | 2 | 5.6% |
| Washington County | 29 | 19 | 1 | 3.4% |
| Tooele County | 7 | 6 | 0 | 0.0% |
| Morgan County | 5 | 4 | 0 | 0.0% |
| Carbon County | 3 | 2 | 1 | 33.3% |
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: 467 applications in 2025, of which 355 were originated and 17 denied.
3.6% of all applications, or 4.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Primary Residential Mortgage originated in Utah in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Primary Residential 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