Utah First in Utah vs the state
28.9%Denial rate+12.94 pts vs state
29.9%Decision denial rate+10.68 pts vs state
62.3%Origination rate-0.92 pts vs state
7.50%Median rate+0.88 pts vs state
0.30Rate spread (pts)+0.06 pts vs state
$146kMedian applicant income
994Loans originated
461Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,108 | 630 | 35.8% | 8.25% | #22 |
| 2024 | 1,256 | 762 | 33.4% | 8.50% | #21 |
| 2025 | 1,595 | 994 | 28.9% | 7.50% | #18 |
What Utah First lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Utah First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 686 | 436 | 194 | 28.3% |
| Utah County | 398 | 229 | 135 | 33.9% |
| Davis County | 224 | 156 | 52 | 23.2% |
| Washington County | 133 | 87 | 31 | 23.3% |
| Weber County | 38 | 23 | 9 | 23.7% |
| Tooele County | 31 | 16 | 14 | 45.2% |
| Summit County | 18 | 9 | 5 | 27.8% |
| Wasatch County | 15 | 9 | 2 | 13.3% |
| Cache County | 14 | 9 | 5 | 35.7% |
| Iron County | 6 | 3 | 2 | 33.3% |
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% |
| 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: 1,595 applications in 2025, of which 994 were originated and 461 denied.
28.9% of all applications, or 29.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Utah First originated in Utah in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Utah First'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