T2 Financial in Utah vs the state
6.6%Denial rate-9.38 pts vs state
7.9%Decision denial rate-11.24 pts vs state
75.0%Origination rate+11.76 pts vs state
6.13%Median rate-0.50 pts vs state
0.17Rate spread (pts)-0.07 pts vs state
$127kMedian applicant income
57Loans originated
5Denied
What T2 Financial lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 42 | 32 | 3 | 7.1% |
| Utah County | 14 | 10 | 1 | 7.1% |
| Tooele County | 5 | 3 | 1 | 20.0% |
| Washington County | 4 | 2 | 0 | 0.0% |
| Davis County | 3 | 2 | 0 | 0.0% |
| Cache County | 2 | 2 | 0 | 0.0% |
| Summit County | 2 | 2 | 0 | 0.0% |
| Sevier County | 1 | 1 | 0 | 0.0% |
| Garfield County | 1 | 1 | 0 | 0.0% |
| Weber County | 1 | 1 | 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: 76 applications in 2025, of which 57 were originated and 5 denied.
6.6% of all applications, or 7.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans T2 Financial originated in Utah in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are T2 Financial'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