Vanderbilt Mortgage and Finance in Utah vs the state
51.4%Denial rate+35.48 pts vs state
83.6%Decision denial rate+64.41 pts vs state
9.4%Origination rate-53.86 pts vs state
10.99%Median rate+4.37 pts vs state
5.06Rate spread (pts)+4.82 pts vs state
$60kMedian applicant income
39Loans originated
214Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 761 | 78 | 51.5% | 10.75% | #30 |
| 2024 | 631 | 65 | 48.7% | 10.75% | #46 |
| 2025 | 416 | 39 | 51.4% | 10.99% | #65 |
What Vanderbilt Mortgage and Finance lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 151 | 12 | 67 | 44.4% |
| Davis County | 69 | 8 | 37 | 53.6% |
| Weber County | 56 | 9 | 34 | 60.7% |
| Utah County | 48 | 3 | 28 | 58.3% |
| San Juan County | 34 | 4 | 16 | 47.1% |
| Box Elder County | 12 | 1 | 8 | 66.7% |
| Grand County | 10 | 1 | 5 | 50.0% |
| Cache County | 9 | 0 | 5 | 55.6% |
| Tooele County | 6 | 0 | 4 | 66.7% |
| Morgan County | 3 | 0 | 1 | 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: 416 applications in 2025, of which 39 were originated and 214 denied.
51.4% of all applications, or 83.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Utah in 2025 was 10.99%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance'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