Largest lenders in Iron County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mountain America Federal Credit Union | D | 521 | 269 | 30.3% | 7.24% |
| 2 | United Shore Financial Services | B | 294 | 238 | 7.8% | 6.38% |
| 3 | State Bank of Southern Utah | A | 291 | 222 | 6.5% | 7.50% |
| 4 | Guild Mortgage | A | 186 | 139 | 1.1% | 6.63% |
| 5 | Rocket Mortgage | C | 144 | 99 | 17.4% | 6.63% |
| 6 | American Financial Network | C | 129 | 114 | 0.8% | 6.25% |
| 7 | AMERICA FIRST Federal Credit Union | C | 121 | 77 | 26.5% | 7.24% |
| 8 | Intercap Lending | A | 120 | 94 | 1.7% | 6.50% |
| 9 | Premier Mortgage Resources | B | 75 | 46 | 1.3% | 6.63% |
| 10 | Dhi Mortgage Company | B | 70 | 50 | 12.9% | 5.88% |
| 11 | The Loan Store | B | 58 | 40 | 8.6% | 6.49% |
| 12 | Zions Bancorporation | B | 56 | 26 | 30.4% | 6.54% |
| 13 | Pennymac Loan Services | C | 55 | 32 | 12.7% | 6.37% |
| 14 | Mortgage Research Center | C | 54 | 24 | 14.8% | 5.93% |
| 15 | Freedom Mortgage | B | 52 | 23 | 7.7% | 6.00% |
| 16 | Securitynational Mortgage | D | 49 | 39 | 2.0% | 6.88% |
| 17 | Residential Wholesale Mortgage | B | 41 | 26 | 0.0% | 6.38% |
| 18 | Chartway Federal Credit Union | B | 38 | 25 | 26.3% | 2.99% |
| 19 | Sun American Mortgage | B | 34 | 29 | 5.9% | 6.38% |
| 20 | Broker Solutions | D | 34 | 12 | 14.7% | 7.25% |
| 21 | Kind Lending | C | 28 | 21 | 25.0% | 6.50% |
| 22 | Ranlife | B | 26 | 11 | 3.9% | 6.63% |
| 23 | Lakeview Loan Servicing | C | 26 | 8 | 46.2% | 5.94% |
| 24 | Newrez | D | 25 | 10 | 8.0% | 6.81% |
| 25 | 21st Mortgage | F | 24 | 1 | 62.5% | 7.95% |
Best approval odds in Iron County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | American Financial Network | 116 | 0.9% |
| 2 | Guild Mortgage | 154 | 1.3% |
| 3 | Intercap Lending | 100 | 2.0% |
| 4 | State Bank of Southern Utah | 260 | 7.3% |
| 5 | United Shore Financial Services | 262 | 8.8% |
| 6 | Dhi Mortgage Company | 59 | 15.3% |
| 7 | Rocket Mortgage | 128 | 19.5% |
| 8 | AMERICA FIRST Federal Credit Union | 118 | 27.1% |
| 9 | Zions Bancorporation | 56 | 30.4% |
| 10 | Mountain America Federal Credit Union | 427 | 37.0% |
What Iron County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Iron County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,732 | 1,722 | 16.0% | 7.00% | $215,000 |
| 2024 | 2,864 | 1,795 | 16.6% | 6.97% | $235,000 |
| 2025 | 3,292 | 2,096 | 15.2% | 6.63% | $265,000 |
Frequently asked questions
15.2% of applications in Iron County were denied in 2025, against 16.0% statewide in Utah.
Mountain America Federal Credit Union, with 521 applications in 2025 and a denial rate of 30.3%.
The median mortgage application in Iron County in 2025 was for $265,000; the median property value on originated loans was $445,000.