Traditional Mortgage Acceptance in Utah vs the state
4.5%Denial rate-11.48 pts vs state
4.8%Decision denial rate-14.42 pts vs state
89.6%Origination rate+26.31 pts vs state
5.88%Median rate-0.75 pts vs state
—Rate spread (pts)
$32kMedian applicant income
60Loans originated
3Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 62 | 5.4% | 7.35% | #136 |
| 2024 | 56 | 51 | 5.4% | 6.75% | #157 |
| 2025 | 67 | 60 | 4.5% | 5.88% | #150 |
What Traditional Mortgage Acceptance lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 20 | 18 | 2 | 10.0% |
| Utah County | 13 | 13 | 0 | 0.0% |
| Washington County | 10 | 8 | 1 | 10.0% |
| Weber County | 7 | 6 | 0 | 0.0% |
| Davis County | 4 | 4 | 0 | 0.0% |
| Iron County | 3 | 3 | 0 | 0.0% |
| Sevier County | 2 | 1 | 0 | 0.0% |
| Box Elder County | 2 | 1 | 0 | 0.0% |
| Tooele County | 2 | 2 | 0 | 0.0% |
| Wasatch 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: 67 applications in 2025, of which 60 were originated and 3 denied.
4.5% of all applications, or 4.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Traditional Mortgage Acceptance originated in Utah in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Traditional Mortgage Acceptance'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