Securitynational Mortgage in Utah vs the state
4.7%Denial rate-11.22 pts vs state
6.4%Decision denial rate-12.74 pts vs state
68.9%Origination rate+5.70 pts vs state
6.75%Median rate+0.13 pts vs state
0.61Rate spread (pts)+0.37 pts vs state
$108kMedian applicant income
1,700Loans originated
117Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,190 | 1,491 | 2.7% | 7.00% | #12 |
| 2024 | 2,467 | 1,704 | 4.3% | 6.88% | #11 |
| 2025 | 2,466 | 1,700 | 4.7% | 6.75% | #13 |
What Securitynational Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Securitynational Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 1,036 | 701 | 54 | 5.2% |
| Utah County | 654 | 461 | 32 | 4.9% |
| Washington County | 149 | 99 | 12 | 8.1% |
| Sanpete County | 121 | 101 | 0 | 0.0% |
| Weber County | 104 | 61 | 2 | 1.9% |
| Tooele County | 104 | 69 | 4 | 3.8% |
| Davis County | 98 | 72 | 2 | 2.0% |
| Iron County | 49 | 39 | 1 | 2.0% |
| Wasatch County | 19 | 13 | 0 | 0.0% |
| Summit County | 18 | 10 | 2 | 11.1% |
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: 2,466 applications in 2025, of which 1,700 were originated and 117 denied.
4.7% of all applications, or 6.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Securitynational Mortgage originated in Utah in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Securitynational 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