SmartFi Home Loans in Utah vs the state
14.8%Denial rate-1.15 pts vs state
16.0%Decision denial rate-3.18 pts vs state
77.8%Origination rate+14.54 pts vs state
8.99%Median rate+2.37 pts vs state
—Rate spread (pts)
$34kMedian applicant income
21Loans originated
4Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 3 | 42.9% | 8.99% | #295 |
| 2025 | 27 | 21 | 14.8% | 8.99% | #220 |
What SmartFi Home Loans lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 6 | 4 | 2 | 33.3% |
| Washington County | 5 | 4 | 1 | 20.0% |
| Tooele County | 5 | 4 | 0 | 0.0% |
| Utah County | 4 | 4 | 0 | 0.0% |
| Iron County | 2 | 2 | 0 | 0.0% |
| Weber County | 1 | 1 | 0 | 0.0% |
| Beaver County | 1 | 0 | 1 | 100.0% |
| Sevier County | 1 | 1 | 0 | 0.0% |
| Wasatch County | 1 | 1 | 0 | 0.0% |
| Uintah County | 1 | 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: 27 applications in 2025, of which 21 were originated and 4 denied.
14.8% of all applications, or 16.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans SmartFi Home Loans originated in Utah in 2025 was 8.99%, against a statewide median of 6.63%.
About this data. Figures are SmartFi Home Loans'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