# Utah Mortgage Loan Corporation

> **Canonical URL:** https://saferate.com/lenders/utah-mortgage-loan

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Utah Mortgage Loan Corporation is a independent mortgage company, headquartered in Salt Lake City, UT, serving borrowers across 5 states, with 77 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 25490000OGVJZR74L509
- **Headquarters:** Salt Lake City, UT
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CA, ID, NV, UT, WY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.307%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,091
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 77
- **Dollar Volume:** $31 million
- **Applications Received:** 90
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $407,987
- **Average Borrower Income:** $162,247

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 58 | +0.319% | $2,839 | Acceptable 🙂 |
| FHA | 51/100 | 14 | +0.338% | $4,294 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 49 loans, Score: 28/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 66 | $27M | +0.356% | Acceptable 🙂 |
| Refinance | 21/100 | 11 | $5M | +0.139% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 67 | 0.15% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Provo | UT | 24 | 60/100 |
| Salt Lake City | UT | 21 | 57/100 |
| Non |  | 12 | 29/100 |

## Frequently Asked Questions

### What loan types does Utah Mortgage Loan Corporation offer?

Utah Mortgage Loan Corporation offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Utah Mortgage Loan Corporation offer mortgages?

Utah Mortgage Loan Corporation offers mortgages in 5 states: CA, ID, NV, UT, WY.

### How competitive are Utah Mortgage Loan Corporation's mortgage rates?

Utah Mortgage Loan Corporation has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.307% above market average.

### What type of lender is Utah Mortgage Loan Corporation?

Utah Mortgage Loan Corporation is a non-depository lender that specializes in mortgage origination, headquartered in Salt Lake City, UT.

### What is Utah Mortgage Loan Corporation's loan approval success rate?

Utah Mortgage Loan Corporation has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/utah-mortgage-loan

### How to Cite

> "Utah Mortgage Loan Corporation Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/utah-mortgage-loan

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