Village Capital & Investment in Utah vs the state
12.4%Denial rate-3.61 pts vs state
15.5%Decision denial rate-3.71 pts vs state
46.1%Origination rate-17.16 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$103kMedian applicant income
153Loans originated
41Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 66 | 13.2% | 5.94% | #87 |
| 2024 | 325 | 128 | 9.5% | 5.75% | #70 |
| 2025 | 332 | 153 | 12.4% | 5.75% | #74 |
What Village Capital & Investment lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 78 | 38 | 7 | 9.0% |
| Davis County | 51 | 20 | 8 | 15.7% |
| Utah County | 46 | 23 | 6 | 13.0% |
| Weber County | 43 | 22 | 3 | 7.0% |
| Washington County | 32 | 17 | 2 | 6.3% |
| Box Elder County | 19 | 6 | 4 | 21.1% |
| Tooele County | 18 | 12 | 3 | 16.7% |
| Cache County | 12 | 4 | 4 | 33.3% |
| Iron County | 6 | 2 | 1 | 16.7% |
| Summit County | 6 | 2 | 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: 332 applications in 2025, of which 153 were originated and 41 denied.
12.4% of all applications, or 15.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Village Capital & Investment originated in Utah in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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