Ranlife in Utah vs the state
1.2%Denial rate-14.72 pts vs state
1.8%Decision denial rate-17.40 pts vs state
67.8%Origination rate+4.57 pts vs state
6.38%Median rate-0.25 pts vs state
0.33Rate spread (pts)+0.09 pts vs state
$107kMedian applicant income
712Loans originated
13Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 682 | 420 | 1.9% | 6.75% | #37 |
| 2024 | 793 | 575 | 1.8% | 6.50% | #40 |
| 2025 | 1,050 | 712 | 1.2% | 6.38% | #33 |
What Ranlife lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Ranlife applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 454 | 306 | 6 | 1.3% |
| Utah County | 192 | 127 | 1 | 0.5% |
| Davis County | 100 | 70 | 0 | 0.0% |
| Tooele County | 96 | 73 | 2 | 2.1% |
| Weber County | 84 | 63 | 2 | 2.4% |
| Washington County | 27 | 17 | 0 | 0.0% |
| Iron County | 26 | 11 | 1 | 3.8% |
| Box Elder County | 18 | 14 | 0 | 0.0% |
| Cache County | 12 | 6 | 0 | 0.0% |
| Wasatch County | 10 | 9 | 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: 1,050 applications in 2025, of which 712 were originated and 13 denied.
1.2% of all applications, or 1.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Ranlife originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Ranlife'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