Rocket Mortgage in Utah vs the state
14.6%Denial rate-1.41 pts vs state
15.7%Decision denial rate-3.53 pts vs state
76.2%Origination rate+12.92 pts vs state
6.63%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.10 pts vs state
$119kMedian applicant income
4,780Loans originated
913Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,762 | 2,850 | 14.0% | 6.63% | #6 |
| 2024 | 4,899 | 3,784 | 14.1% | 6.63% | #5 |
| 2025 | 6,276 | 4,780 | 14.6% | 6.63% | #4 |
What Rocket Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 2,042 | 1,569 | 298 | 14.6% |
| Utah County | 1,191 | 912 | 159 | 13.4% |
| Davis County | 727 | 564 | 91 | 12.5% |
| Weber County | 573 | 447 | 73 | 12.7% |
| Washington County | 357 | 261 | 65 | 18.2% |
| Tooele County | 246 | 180 | 44 | 17.9% |
| Cache County | 162 | 128 | 15 | 9.3% |
| Box Elder County | 146 | 103 | 27 | 18.5% |
| Iron County | 144 | 99 | 25 | 17.4% |
| Summit County | 115 | 86 | 17 | 14.8% |
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% |
| 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% |
| Utah Community Federal Credit Union | B | 2,573 | 16.1% | 6.99% |
Frequently asked questions
Utah: 6,276 applications in 2025, of which 4,780 were originated and 913 denied.
14.6% of all applications, or 15.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Rocket Mortgage originated in Utah in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Rocket 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