Valon Mortgage in Utah vs the state
10.0%Denial rate-5.96 pts vs state
10.0%Decision denial rate-9.18 pts vs state
90.0%Origination rate+26.76 pts vs state
2.88%Median rate-3.75 pts vs state
-3.42Rate spread (pts)-3.66 pts vs state
$64kMedian applicant income
9Loans originated
1Denied
What Valon Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 4 | 3 | 1 | 25.0% |
| Utah County | 3 | 3 | 0 | 0.0% |
| Davis County | 2 | 2 | 0 | 0.0% |
| Weber 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: 10 applications in 2025, of which 9 were originated and 1 denied.
10.0% of all applications, or 10.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Valon Mortgage originated in Utah in 2025 was 2.88%, against a statewide median of 6.63%.
About this data. Figures are Valon 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