Lender in Utah · HMDA 2025
Rate mortgages in Utah
Rate's 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Rate originated 309 owner-occupied single-family loans in Utah from 348 completed applications.
Its median conventional purchase loan costs were $6,050 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.575% (Utah: 6.50%).
Loans in UT
309
of 348 applications
Denial rate
5.6%
Purchase · UT 6.5%
Rate spread
+0.14 pts
Conv. · UT +0.05 pts
Loan amount
$445,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 232 | 217 | 5.6% | 6.575% | +0.14 pts | $6,050 | $445,000 |
| Refinance | 60 | 48 | 18.3% | 6.625% | +0.09 pts | $5,430 | $485,000 |
| Cash-out refinance | 56 | 44 | 17.9% | 6.500% | +0.16 pts | $5,760 | $365,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tooele County | 17 | 35 | 1.9% |
| Rich County | 18 | 1 | 2.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology