United Shore Financial Services in Utah vs the state
8.5%Denial rate-7.51 pts vs state
9.5%Decision denial rate-9.65 pts vs state
79.1%Origination rate+15.85 pts vs state
6.25%Median rate-0.38 pts vs state
0.01Rate spread (pts)-0.23 pts vs state
$121kMedian applicant income
8,957Loans originated
957Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,641 | 7,616 | 8.5% | 6.50% | #3 |
| 2024 | 10,778 | 8,571 | 8.3% | 6.50% | #3 |
| 2025 | 11,325 | 8,957 | 8.5% | 6.25% | #3 |
What United Shore Financial Services lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 3,779 | 2,980 | 307 | 8.1% |
| Utah County | 2,525 | 2,020 | 219 | 8.7% |
| Davis County | 1,061 | 868 | 80 | 7.5% |
| Weber County | 919 | 729 | 68 | 7.4% |
| Washington County | 589 | 461 | 54 | 9.2% |
| Cache County | 390 | 320 | 21 | 5.4% |
| Tooele County | 367 | 282 | 42 | 11.4% |
| Iron County | 294 | 238 | 23 | 7.8% |
| Box Elder County | 231 | 172 | 23 | 10.0% |
| Sevier County | 168 | 133 | 14 | 8.3% |
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% |
| 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% |
| Utah Community Federal Credit Union | B | 2,573 | 16.1% | 6.99% |
Frequently asked questions
Utah: 11,325 applications in 2025, of which 8,957 were originated and 957 denied.
8.5% of all applications, or 9.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans United Shore Financial Services originated in Utah in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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