Pulte Mortgage in Utah vs the state
22.7%Denial rate+6.77 pts vs state
27.8%Decision denial rate+8.60 pts vs state
59.1%Origination rate-4.15 pts vs state
5.12%Median rate-1.51 pts vs state
-1.33Rate spread (pts)-1.57 pts vs state
$168kMedian applicant income
26Loans originated
10Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 9 | 4 | 55.6% | 4.25% | #277 |
| 2025 | 44 | 26 | 22.7% | 5.12% | #184 |
What Pulte Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Pulte Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wasatch County | 36 | 22 | 7 | 19.4% |
| Utah County | 8 | 4 | 3 | 37.5% |
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: 44 applications in 2025, of which 26 were originated and 10 denied.
22.7% of all applications, or 27.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Pulte Mortgage originated in Utah in 2025 was 5.12%, against a statewide median of 6.63%.
About this data. Figures are Pulte 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