UTAH FIRST
UTAH FIRST received 1,615 applications in 2025 and made 1,001 mortgages, in 39 counties across 9 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 1,563 decisions, 471 were denials — 30.1%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300DEVPMBR765WH45 |
|---|---|
| Applications received | 1,615 |
| Mortgages made | 1,001 |
| Denied | 471 |
| Approved, not taken up | 91 |
| Withdrawn or incomplete | 52 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 74 | 7.500% | $230,000 | 23.1% |
| Refinancing | 110 | 7.500% | $155,000 | 31.9% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 71.4% |
| Other purposes | 816 | 7.500% | $105,000 | 30.2% |
Where UTAH FIRST lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Salt Lake County, UT | 436 | 7.500% | 29.2% |
| Utah County, UT | 229 | 7.500% | 35.1% |
| Davis County, UT | 156 | 7.500% | 23.8% |
| Washington County, UT | 87 | 7.500% | 23.8% |
| Weber County, UT | 23 | 7.500% | 26.5% |
| Tooele County, UT | 16 | 8.000% | 45.2% |
| Cache County, UT | 9 | Under 10 loans | 35.7% |
| Summit County, UT | 9 | Under 10 loans | 29.4% |
| Wasatch County, UT | 9 | Under 10 loans | 14.3% |
| Clark County, NV | 3 | Under 10 loans | 40.0% |
| Box Elder County, UT | 3 | Under 10 loans | 50.0% |
| Iron County, UT | 3 | Under 10 loans | 33.3% |
| Carbon County, UT | 2 | Under 10 loans | 0.0% |
| Morgan County, UT | 2 | Under 10 loans | 0.0% |
| Sanpete County, UT | 2 | Under 10 loans | 33.3% |
| Maricopa County, AZ | 1 | Under 10 loans | 33.3% |
| Jefferson County, CO | 1 | Under 10 loans | 0.0% |
| Cass County, MO | 1 | Under 10 loans | 0.0% |
| Beaver County, UT | 1 | Under 10 loans | 0.0% |
| Duchesne County, UT | 1 | Under 10 loans | 0.0% |
| Emery County, UT | 1 | Under 10 loans | 0.0% |
| Grand County, UT | 1 | Under 10 loans | 0.0% |
| Kane County, UT | 1 | Under 10 loans | 0.0% |
| Millard County, UT | 1 | Under 10 loans | 50.0% |
| Rich County, UT | 1 | Under 10 loans | 50.0% |
| Uintah County, UT | 1 | Under 10 loans | 80.0% |
| Lincoln County, WY | 1 | Under 10 loans | 0.0% |
| Marin County, CA | 0 | Under 10 loans | 100.0% |
| Blaine County, ID | 0 | Under 10 loans | 100.0% |
| Franklin County, ID | 0 | Under 10 loans | Not published |
| Jefferson County, ID | 0 | Under 10 loans | 100.0% |
| Madison County, ID | 0 | Under 10 loans | 0.0% |
| Oneida County, ID | 0 | Under 10 loans | 100.0% |
| Valley County, ID | 0 | Under 10 loans | 100.0% |
| Daggett County, UT | 0 | Under 10 loans | 100.0% |
| Garfield County, UT | 0 | Under 10 loans | 100.0% |
| Juab County, UT | 0 | Under 10 loans | 0.0% |
| San Juan County, UT | 0 | Under 10 loans | 0.0% |
| King County, WA | 0 | Under 10 loans | 100.0% |
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When UTAH FIRST’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.