Resicentral in Utah vs the state
3.7%Denial rate-12.29 pts vs state
4.8%Decision denial rate-14.37 pts vs state
68.2%Origination rate+4.92 pts vs state
6.38%Median rate-0.25 pts vs state
0.01Rate spread (pts)-0.23 pts vs state
$120kMedian applicant income
167Loans originated
9Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 157 | 99 | 6.4% | 6.88% | #103 |
| 2024 | 345 | 200 | 3.5% | 6.63% | #69 |
| 2025 | 245 | 167 | 3.7% | 6.38% | #89 |
What Resicentral lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 75 | 47 | 3 | 4.0% |
| Davis County | 38 | 27 | 2 | 5.3% |
| Utah County | 38 | 25 | 0 | 0.0% |
| Weber County | 27 | 20 | 2 | 7.4% |
| Washington County | 22 | 15 | 1 | 4.5% |
| Tooele County | 11 | 8 | 0 | 0.0% |
| Kane County | 8 | 6 | 1 | 12.5% |
| Box Elder County | 7 | 7 | 0 | 0.0% |
| Cache County | 3 | 2 | 0 | 0.0% |
| Wasatch County | 3 | 0 | 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: 245 applications in 2025, of which 167 were originated and 9 denied.
3.7% of all applications, or 4.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Resicentral originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Resicentral'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