Largest lenders in Grand County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mountain America Federal Credit Union | D | 77 | 28 | 41.6% | 6.50% |
| 2 | Primary Residential Mortgage | C | 36 | 29 | 5.6% | 6.63% |
| 3 | Rocket Mortgage | C | 22 | 9 | 36.4% | 5.99% |
| 4 | Zions Bancorporation | B | 21 | 12 | 19.1% | 6.50% |
| 5 | United Shore Financial Services | B | 13 | 11 | 0.0% | 6.88% |
| 6 | Vanderbilt Mortgage and Finance | F | 10 | 1 | 50.0% | 11.25% |
| 7 | 21st Mortgage | F | 9 | 1 | 66.7% | 10.81% |
| 8 | Citadel Servicing | B | 8 | 1 | 0.0% | 8.75% |
| 9 | U.S. Bank | D | 7 | 4 | 0.0% | 7.83% |
| 10 | Kind Lending | C | 7 | 3 | 57.1% | 6.88% |
| 11 | The Loan Store | B | 6 | 6 | 0.0% | 6.62% |
| 12 | Crosscountry Mortgage | B | 5 | 4 | 0.0% | 7.81% |
| 13 | Freedom Mortgage | B | 5 | 3 | 0.0% | 5.88% |
| 14 | AMERICA FIRST Federal Credit Union | C | 5 | 4 | 20.0% | 8.24% |
Best approval odds in Grand County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mountain America Federal Credit Union | 61 | 52.5% |
What Grand County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Grand County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 420 | 192 | 27.6% | 6.88% | $255,000 |
| 2024 | 382 | 167 | 31.9% | 7.00% | $270,000 |
| 2025 | 347 | 172 | 23.3% | 6.75% | $305,000 |
Frequently asked questions
23.3% of applications in Grand County were denied in 2025, against 16.0% statewide in Utah.
Mountain America Federal Credit Union, with 77 applications in 2025 and a denial rate of 41.6%.
The median mortgage application in Grand County in 2025 was for $305,000; the median property value on originated loans was $580,000.