Axos Bank in Utah vs the state
23.1%Denial rate+7.12 pts vs state
40.0%Decision denial rate+20.82 pts vs state
30.8%Origination rate-32.47 pts vs state
6.75%Median rate+0.13 pts vs state
0.21Rate spread (pts)-0.03 pts vs state
$173kMedian applicant income
8Loans originated
6Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 6 | 27.8% | 6.38% | #220 |
| 2024 | 13 | 4 | 7.7% | 8.31% | #255 |
| 2025 | 26 | 8 | 23.1% | 6.75% | #222 |
What Axos Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Axos Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 9 | 2 | 4 | 44.4% |
| Utah County | 5 | 3 | 0 | 0.0% |
| Salt Lake County | 4 | 1 | 0 | 0.0% |
| Weber County | 3 | 0 | 1 | 33.3% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Tooele County | 1 | 0 | 0 | 0.0% |
| Cache County | 1 | 0 | 0 | 0.0% |
| Grand County | 1 | 0 | 1 | 100.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 26 applications in 2025, of which 8 were originated and 6 denied.
23.1% of all applications, or 40.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Axos Bank originated in Utah in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Axos Bank's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology