The Loan Store in Utah vs the state
5.4%Denial rate-10.53 pts vs state
6.1%Decision denial rate-13.12 pts vs state
76.0%Origination rate+12.71 pts vs state
6.49%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.05 pts vs state
$135kMedian applicant income
1,917Loans originated
137Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 298 | 191 | 12.4% | 7.00% | #69 |
| 2024 | 1,709 | 1,143 | 7.4% | 6.63% | #16 |
| 2025 | 2,524 | 1,917 | 5.4% | 6.49% | #12 |
What The Loan Store lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most The Loan Store applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 735 | 542 | 52 | 7.1% |
| Utah County | 540 | 410 | 27 | 5.0% |
| Washington County | 329 | 260 | 12 | 3.6% |
| Davis County | 227 | 180 | 5 | 2.2% |
| Weber County | 171 | 132 | 7 | 4.1% |
| Tooele County | 112 | 94 | 7 | 6.3% |
| Cache County | 86 | 68 | 5 | 5.8% |
| Iron County | 58 | 40 | 5 | 8.6% |
| Wasatch County | 51 | 30 | 5 | 9.8% |
| Summit County | 33 | 19 | 3 | 9.1% |
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: 2,524 applications in 2025, of which 1,917 were originated and 137 denied.
5.4% of all applications, or 6.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans The Loan Store originated in Utah in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are The Loan Store'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