Lender profile · HMDA 2023–2025
Utah First mortgage approval rates & lending data
Utah First decided 1,877 mortgage applications and funded 1,223 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Arizona | 78% | $205K | 9 | 6 |
| Nevada | 50% | $105K | 8 | 4 |
| California | 0% | — | 2 | 0 |
| Colorado | 100% | — | 1 | 0 |
| Florida | 0% | — | 1 | 0 |
| Indiana | 100% | $265K | 1 | 1 |
| Missouri | 100% | $155K | 1 | 1 |
| Tennessee | 100% | $675K | 1 | 1 |
| Texas | 0% | — | 1 | 0 |
| Washington | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.