Swbc Mortgage in Utah vs the state
1.6%Denial rate-14.36 pts vs state
1.8%Decision denial rate-17.38 pts vs state
81.6%Origination rate+18.36 pts vs state
6.50%Median rate-0.13 pts vs state
0.12Rate spread (pts)-0.12 pts vs state
$116kMedian applicant income
102Loans originated
2Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 81 | 2.2% | 6.75% | #128 |
| 2024 | 113 | 91 | 2.7% | 6.63% | #121 |
| 2025 | 125 | 102 | 1.6% | 6.50% | #123 |
What Swbc Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Swbc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davis County | 46 | 38 | 0 | 0.0% |
| Weber County | 45 | 37 | 1 | 2.2% |
| Salt Lake County | 12 | 8 | 0 | 0.0% |
| Washington County | 4 | 4 | 0 | 0.0% |
| Tooele County | 4 | 2 | 1 | 25.0% |
| Uintah County | 3 | 3 | 0 | 0.0% |
| Box Elder County | 3 | 2 | 0 | 0.0% |
| Summit County | 2 | 2 | 0 | 0.0% |
| Cache County | 2 | 2 | 0 | 0.0% |
| Morgan County | 2 | 2 | 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: 125 applications in 2025, of which 102 were originated and 2 denied.
1.6% of all applications, or 1.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Swbc Mortgage originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Swbc 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