Provident Funding Associates in Utah vs the state
6.6%Denial rate-9.35 pts vs state
8.9%Decision denial rate-10.29 pts vs state
66.3%Origination rate+3.08 pts vs state
6.25%Median rate-0.38 pts vs state
-0.15Rate spread (pts)-0.39 pts vs state
$138kMedian applicant income
642Loans originated
64Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 622 | 371 | 7.1% | 6.38% | #43 |
| 2024 | 901 | 560 | 5.9% | 6.50% | #34 |
| 2025 | 968 | 642 | 6.6% | 6.25% | #34 |
What Provident Funding Associates lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 342 | 238 | 19 | 5.6% |
| Utah County | 190 | 118 | 16 | 8.4% |
| Davis County | 186 | 127 | 10 | 5.4% |
| Weber County | 87 | 67 | 5 | 5.7% |
| Washington County | 45 | 21 | 3 | 6.7% |
| Cache County | 35 | 19 | 2 | 5.7% |
| Tooele County | 22 | 16 | 1 | 4.5% |
| Box Elder County | 21 | 12 | 2 | 9.5% |
| Uintah County | 8 | 5 | 1 | 12.5% |
| Wasatch County | 7 | 3 | 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: 968 applications in 2025, of which 642 were originated and 64 denied.
6.6% of all applications, or 8.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Provident Funding Associates originated in Utah in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Provident Funding Associates'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