Utah · HMDA 2025
Mortgage lenders in Rich County, UT
79 lenders reported 324 home-loan applications in Rich County in 2025. 178 closed as loans ($71.5M), 58 were denied — a 23.2% denial rate on decided applications, above the Utah rate of 19.1%. The three most active lenders handled 24% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 324
- Loans originated
- 178
- Purchase / refinance
- 84 / 63
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Rich County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 28 | 8.6% | — |
| 2 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 27 | 8.3% | 22.5% |
| 3 | THE LOAN STORE, INC. | 24 | 7.4% | — |
| 4 | Mountain America Federal Credit Union 56 out of 100, Moderate | 22 | 6.8% | 45.0% |
| 5 | GOLDENWEST | 18 | 5.6% | — |
| 6 | Rocket Mortgage, LLC | 16 | 4.9% | — |
| 7 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 15 | 4.6% | 30.7% |
| 8 | FIRST COLONY MORTGAGE CORPORATION | 14 | 4.3% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 13 | 4.0% | — |
| 10 | Glacier Bank 68 out of 100, Moderate | 12 | 3.7% | 20.0% |
| 11 | KIND LENDING, LLC | 11 | 3.4% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 2.2% | 39.5% |
| 13 | FIGURE LENDING LLC | 5 | 1.5% | — |
| 14 | Cache Valley Bank 73 out of 100, Strong | 5 | 1.5% | 0.9% |
| 15 | GUILD MORTGAGE COMPANY | 4 | 1.2% | — |
| 16 | Deseret First Credit Union | 4 | 1.2% | — |
| 17 | ARC HOME LLC | 4 | 1.2% | — |
| 18 | INTERCAP LENDING INC. | 4 | 1.2% | — |
| 19 | NEWREZ LLC | 3 | 0.9% | — |
| 20 | Paramount Residential Mortgage Group, Inc. | 3 | 0.9% | — |
| 21 | Sierra Pacific Mortgage Company, Inc. | 3 | 0.9% | — |
| 22 | PLAZA HOME MORTGAGE, INC. | 3 | 0.9% | — |
| 23 | Plains Commerce Bank 59 out of 100, Moderate | 3 | 0.9% | 10.0% |
| 24 | Bank of Utah | 3 | 0.9% | — |
| 25 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.9% | — |
| 26 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.6% | 22.2% |
| 27 | GUARANTEED RATE, INC. | 2 | 0.6% | — |
| 28 | TRIAD FINANCIAL SERVICES, INC. | 2 | 0.6% | — |
| 29 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.6% | 44.7% |
| 30 | NBKC BANK | 2 | 0.6% | — |
| 31 | Utah Mortgage Loan Corporation | 2 | 0.6% | — |
| 32 | BMO Bank National Association 83 out of 100, Strong | 2 | 0.6% | 40.5% |
| 33 | University First Federal Credit Union | 2 | 0.6% | — |
| 34 | SECURITY HOME MORTGAGE, LLC. | 2 | 0.6% | — |
| 35 | UTAH FIRST | 2 | 0.6% | — |
| 36 | FREEDOM MORTGAGE CORPORATION | 2 | 0.6% | — |
| 37 | AgWest Farm Credit, FLCA | 2 | 0.6% | — |
| 38 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | 0.6% | — |
| 39 | CHARTWAY FEDERAL CREDIT UNION 50 out of 100, Below average | 2 | 0.6% | 31.3% |
| 40 | BETTER MORTGAGE CORPORATION | 2 | 0.6% | — |
Top 40 of 79 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Utah
- Salt Lake County 51,730 apps
- Utah County 35,605 apps
- Davis County 17,456 apps
- Weber County 15,621 apps
- Washington County 13,171 apps
- Tooele County 5,997 apps
- Cache County 5,733 apps
- Iron County 3,741 apps
- Box Elder County 3,593 apps
- Wasatch County 3,122 apps
- Summit County 3,104 apps
- Uintah County 2,059 apps