Largest lenders in Millard County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Bank of Southern Utah | A | 96 | 80 | 4.2% | 7.50% |
| 2 | United Shore Financial Services | B | 54 | 39 | 9.3% | 6.50% |
| 3 | Zions Bancorporation | B | 46 | 27 | 23.9% | 6.38% |
| 4 | Mountain America Federal Credit Union | D | 32 | 19 | 28.1% | 6.99% |
| 5 | Intercap Lending | A | 27 | 18 | 0.0% | 6.99% |
| 6 | Rocket Mortgage | C | 26 | 21 | 11.5% | 6.50% |
| 7 | Guild Mortgage | A | 19 | 15 | 0.0% | 6.38% |
| 8 | AMERICA FIRST Federal Credit Union | C | 18 | 13 | 16.7% | 6.99% |
| 9 | Securitynational Mortgage | D | 13 | 10 | 0.0% | 6.68% |
| 10 | Newrez | D | 10 | 5 | 10.0% | 7.13% |
| 11 | Nationstar Mortgage | C | 7 | 5 | 28.6% | 7.88% |
| 12 | Kind Lending | C | 6 | 3 | 33.3% | 6.50% |
| 13 | Freedom Mortgage | B | 6 | 2 | 0.0% | 5.75% |
| 14 | Broker Solutions | D | 6 | 1 | 16.7% | 6.25% |
| 15 | Mortgage Research Center | C | 6 | 5 | 0.0% | 5.99% |
| 16 | Security Home Mortgage, LLC. | A | 6 | 6 | 0.0% | 6.68% |
| 17 | NBH Bank | C | 5 | 1 | 0.0% | 8.38% |
| 18 | Plains Commerce Bank | B | 5 | 2 | 40.0% | 6.63% |
| 19 | Coastal Community Bank | C | 5 | 0 | 0.0% | — |
Best approval odds in Millard County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | State Bank of Southern Utah | 89 | 4.5% |
What Millard County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Millard County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 420 | 227 | 20.0% | 7.18% | $175,000 |
| 2024 | 467 | 275 | 18.8% | 7.25% | $195,000 |
| 2025 | 527 | 346 | 13.1% | 6.99% | $205,000 |
Frequently asked questions
13.1% of applications in Millard County were denied in 2025, against 16.0% statewide in Utah.
State Bank of Southern Utah, with 96 applications in 2025 and a denial rate of 4.2%.
The median mortgage application in Millard County in 2025 was for $205,000; the median property value on originated loans was $365,000.