In Utah, the highest FHA denial rates among major lenders in 2025 belonged to Lakeview Loan Servicing, LLC (48.1%), Rocket Mortgage (31.4%), Kind Lending, LLC (26.2%).Utah’s FHA denial rate in 2025 was 15.0% across 15,505 decisioned applications — ranking #51 of 52 states. Among high-volume lenders, the lowest observed denial rate was Intercap Lending Inc at 1.6%; the highest was Lakeview Loan Servicing, LLC at 48.1%. The institutional spread inside Utah is 30.1×: the same FHA application faces a 1.6% observed denial rate at one high-volume door and 48.1% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Utah FHA apps | Denial rate |
|---|---|---|
| Intercap Lending Inc | 920 | 1.6% |
| Ranlife, Inc. | 337 | 2.1% |
| Guild Mortgage Company | 1,068 | 2.6% |
| First Colony Mortgage Corporat | 710 | 3.4% |
| Securitynational Mortgage Compan | 649 | 6.6% |
| Plains Commerce Bank | 388 | 7.2% |
| The Loan Store, Inc | 265 | 7.2% |
| Freedom Mortgage Corporation | 406 | 15.5% |
| United Wholesale Mortgage | 1,830 | 16.0% |
| Dhi Mortgage Company, Ltd. | 431 | 17.2% |
| Pennymac Loan Services LLC | 294 | 19.4% |
| Mountain America Federal Credit | 242 | 24.0% |
| Kind Lending, LLC | 705 | 26.2% |
| Rocket Mortgage | 738 | 31.4% |
| Lakeview Loan Servicing, LLC | 314 | 48.1% |
Applications under $150K were denied 37.5% of the time versus 13.8% for loans of $250K+ — a 2.7× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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Reading note: lender-level denial rates describe tendencies in the observed record, not rules — individual outcomes vary with each file. Rankings can also shift with denominator choices (which application outcomes are counted); FRC's rule is published in full in the methodology, so every figure here is reproducible from the raw federal file.