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Washington County, Utah · 2025

Mortgage lenders in Washington County, UT: denial rates and top lenders (2025)

295 lenders acted on 11,427 mortgage applications for properties in Washington County in 2025. 14.8% were denied (Utah: 16.0%). Median rate on closed loans 6.63%; median loan $315,000; median property value $565,000.

11kApplications
14.8%Denial ratestate 16.0%
6.63%Median ratestate 6.63%
$315,000Median loan
$565,000Median property value

Largest lenders in Washington County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Mountain America Federal Credit Union D 1,335602 36.4%7.25%
2 Guild Mortgage A 918695 2.3%6.49%
3 AMERICA FIRST Federal Credit Union C 736485 22.2%6.99%
4 United Shore Financial Services B 589461 9.2%6.41%
5 Sun American Mortgage B 370251 1.6%6.49%
6 Rocket Mortgage C 357261 18.2%6.63%
7 Intercap Lending A 331248 0.0%6.50%
8 The Loan Store B 329260 3.7%6.49%
9 Dhi Mortgage Company B 324244 7.4%5.63%
10 Goldenwest B 317214 20.8%7.50%
11 Zions Bancorporation B 310190 20.3%6.50%
12 Belem Servicing B 306239 0.7%6.63%
13 First Colony Mortgage A 287239 1.1%6.63%
14 Chartway Federal Credit Union B 244144 29.5%2.99%
15 Kind Lending C 193139 19.7%6.63%
16 Newrez D 17774 13.0%6.88%
17 Pennymac Loan Services C 167101 15.0%6.38%
18 Securitynational Mortgage D 14999 8.1%6.63%
19 State Bank of Southern Utah A 143105 13.3%7.50%
20 Utah First C 13387 23.3%7.50%
21 My Move Mortgage A 12693 0.8%6.25%
22 Freedom Mortgage B 10547 11.4%6.00%
23 Coastal Community Bank C 9420 1.1%9.99%
24 U.S. Bank D 9347 29.0%6.88%
25 Crosscountry Mortgage B 9368 6.5%6.63%

Best approval odds in Washington County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Intercap Lending2610.0%
2Belem Servicing2540.8%
3My Move Mortgage941.1%
4First Colony Mortgage2451.2%
5Coastal Community Bank621.6%
6Sun American Mortgage2572.3%
7Guild Mortgage7672.7%
8CMG Mortgage583.5%
9The Loan Store2944.1%
10Bank of Utah525.8%

What Washington County borrowers applied for

By loan purpose

Home purchase 5,348 47% · 6.4% denied
Refinance 2,197 19% · 18.3% denied
Cash-out refinance 1,409 12% · 17.5% denied
Home improvement 1,060 9% · 27.1% denied
Other / HELOC 1,413 12% · 28.7% denied

By loan type

Conventional 9,555 84% · 15.9% denied
FHA 1,252 11% · 9.0% denied
VA 603 5% · 8.5% denied
USDA / RHS 17 0% · 11.8% denied

Why applications were denied

Debt-to-income ratio 809 48%
Collateral 242 14%
Credit history 201 12%
Other 168 10%
Incomplete application 123 7%
Unverifiable information 82 5%
Insufficient cash 48 3%
Employment history 8 0%
Mortgage insurance denied 2 0%

Washington County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20239,3105,79715.5%6.99%$275,000
202410,0026,32615.3%6.88%$295,000
202511,4277,26514.8%6.63%$315,000

Frequently asked questions

14.8% of applications in Washington County were denied in 2025, against 16.0% statewide in Utah.

Mountain America Federal Credit Union, with 1,335 applications in 2025 and a denial rate of 36.4%.

The median mortgage application in Washington County in 2025 was for $315,000; the median property value on originated loans was $565,000.