Primelending, a Plainscapital in Utah vs the state
4.7%Denial rate-11.27 pts vs state
5.7%Decision denial rate-13.53 pts vs state
72.2%Origination rate+8.96 pts vs state
6.38%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.15 pts vs state
$122kMedian applicant income
200Loans originated
13Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 259 | 170 | 10.8% | 6.75% | #78 |
| 2024 | 224 | 143 | 6.7% | 6.75% | #89 |
| 2025 | 277 | 200 | 4.7% | 6.38% | #84 |
What Primelending, a Plainscapital lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Primelending, a Plainscapital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Weber County | 75 | 58 | 7 | 9.3% |
| Salt Lake County | 55 | 34 | 1 | 1.8% |
| Davis County | 32 | 28 | 0 | 0.0% |
| Utah County | 32 | 26 | 1 | 3.1% |
| Tooele County | 20 | 13 | 2 | 10.0% |
| Cache County | 15 | 10 | 1 | 6.7% |
| Box Elder County | 14 | 10 | 1 | 7.1% |
| Washington County | 10 | 5 | 0 | 0.0% |
| Sevier County | 6 | 6 | 0 | 0.0% |
| Wasatch County | 3 | 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: 277 applications in 2025, of which 200 were originated and 13 denied.
4.7% of all applications, or 5.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Primelending, a Plainscapital originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Primelending, a Plainscapital'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