Bell Bank in Utah vs the state
12.5%Denial rate-3.46 pts vs state
14.3%Decision denial rate-4.89 pts vs state
75.0%Origination rate+11.76 pts vs state
6.81%Median rate+0.18 pts vs state
0.45Rate spread (pts)+0.21 pts vs state
$606kMedian applicant income
6Loans originated
1Denied
What Bell Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 3 | 3 | 0 | 0.0% |
| Wasatch County | 2 | 1 | 1 | 50.0% |
| Box Elder County | 1 | 0 | 0 | 0.0% |
| Grand County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
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: 8 applications in 2025, of which 6 were originated and 1 denied.
12.5% of all applications, or 14.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Bell Bank originated in Utah in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Bell 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