Sierra Pacific Mortgage Company in Utah vs the state
4.1%Denial rate-11.85 pts vs state
5.2%Decision denial rate-13.99 pts vs state
73.6%Origination rate+10.39 pts vs state
6.50%Median rate-0.13 pts vs state
0.01Rate spread (pts)-0.22 pts vs state
$128kMedian applicant income
215Loans originated
12Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 272 | 176 | 27.6% | 6.25% | #75 |
| 2024 | 273 | 194 | 13.9% | 6.63% | #78 |
| 2025 | 292 | 215 | 4.1% | 6.50% | #81 |
What Sierra Pacific Mortgage Company lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cache County | 72 | 54 | 4 | 5.6% |
| Utah County | 58 | 44 | 3 | 5.2% |
| Salt Lake County | 53 | 37 | 4 | 7.5% |
| Davis County | 28 | 23 | 0 | 0.0% |
| Weber County | 17 | 12 | 0 | 0.0% |
| Washington County | 12 | 4 | 0 | 0.0% |
| Box Elder County | 12 | 10 | 0 | 0.0% |
| Iron County | 12 | 9 | 1 | 8.3% |
| Kane County | 5 | 5 | 0 | 0.0% |
| Tooele County | 4 | 3 | 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: 292 applications in 2025, of which 215 were originated and 12 denied.
4.1% of all applications, or 5.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Sierra Pacific Mortgage Company originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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