Utah First mortgage approval rate & lending review
Utah First decided 1,877 mortgage applications and funded 1,223 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Utah First reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Utah First at a glance
Approval is 1.9 points above the 69.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 76% | 179 / 234 | 89% | $255K | 159 |
| Home improvement loans | 72% | 868 / 1,210 | 93% | $105K | 809 |
| Refinance | 64% | 244 / 381 | 88% | $175K | 215 |
| Investment property purchase | 88% | 22 / 25 | 100% | $375K | 22 |
Utah First lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 71% | $105K | 1,851 | 1,210 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Utah First lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Salt Lake County, UT | Home improvement loans | 71% | 602 | 396 |
| Utah County, UT | Home improvement loans | 70% | 287 | 189 |
| Davis County, UT | Home improvement loans | 76% | 215 | 151 |
| Salt Lake County, UT | Refinance | 60% | 168 | 89 |
| Utah County, UT | Refinance | 67% | 102 | 64 |
| Davis County, UT | Refinance | 73% | 63 | 39 |
| Washington County, UT | Mortgage lenders | 83% | 47 | 38 |
| Washington County, UT | Home improvement loans | 74% | 54 | 38 |
| Davis County, UT | Mortgage lenders | 87% | 38 | 31 |
| Weber County, UT | Home improvement loans | 74% | 27 | 20 |
| Washington County, UT | Refinance | 71% | 24 | 12 |
The county markets where Utah First made the most loans. Each link opens that market with every lender ranked.
Questions about Utah First
What is Utah First's mortgage approval rate?
Utah First approved 71.0% of the 1,877 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.9 points above the 69.1% national rate for the same mix of loan types.
How often do borrowers take the loan Utah First offers?
Borrowers accepted 92% of the loans Utah First approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Utah First make?
The typical home improvement loan loan Utah First made was $105K; across all loan types its typical loan ran from $105K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Utah First lend?
Utah First decided applications in 11 of the states Fat Boy Data covers, most of them in Utah, Arizona and Nevada.
Can I apply to Utah First directly?
Yes. Utah First is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Utah First's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Utah First treats applications, then get a rate quote from the lender.