Union Home Mortgage in Utah vs the state
2.3%Denial rate-13.66 pts vs state
3.1%Decision denial rate-16.05 pts vs state
66.7%Origination rate+3.43 pts vs state
6.13%Median rate-0.50 pts vs state
0.00Rate spread (pts)-0.24 pts vs state
$131kMedian applicant income
116Loans originated
4Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 75 | 3.2% | 6.63% | #111 |
| 2024 | 84 | 59 | 8.3% | 6.88% | #139 |
| 2025 | 174 | 116 | 2.3% | 6.13% | #109 |
What Union Home Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 55 | 34 | 0 | 0.0% |
| Utah County | 43 | 30 | 1 | 2.3% |
| Cache County | 23 | 18 | 0 | 0.0% |
| Weber County | 13 | 8 | 0 | 0.0% |
| Davis County | 12 | 8 | 2 | 16.7% |
| Tooele County | 6 | 2 | 0 | 0.0% |
| Box Elder County | 6 | 4 | 1 | 16.7% |
| Washington County | 5 | 4 | 0 | 0.0% |
| Summit County | 5 | 4 | 0 | 0.0% |
| Iron County | 2 | 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: 174 applications in 2025, of which 116 were originated and 4 denied.
2.3% of all applications, or 3.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Union Home Mortgage originated in Utah in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Union Home 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