First Federal Bank in Utah vs the state
10.8%Denial rate-5.19 pts vs state
17.1%Decision denial rate-2.11 pts vs state
52.3%Origination rate-10.93 pts vs state
6.06%Median rate-0.56 pts vs state
-0.38Rate spread (pts)-0.61 pts vs state
$158kMedian applicant income
34Loans originated
7Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 12 | 8.3% | 6.75% | #193 |
| 2024 | 45 | 26 | 4.4% | 5.94% | #166 |
| 2025 | 65 | 34 | 10.8% | 6.06% | #152 |
What First Federal Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 24 | 14 | 0 | 0.0% |
| Utah County | 13 | 8 | 3 | 23.1% |
| Weber County | 5 | 2 | 0 | 0.0% |
| Cache County | 5 | 3 | 0 | 0.0% |
| Davis County | 5 | 3 | 1 | 20.0% |
| Washington County | 4 | 2 | 1 | 25.0% |
| Box Elder County | 3 | 0 | 0 | 0.0% |
| Wasatch County | 3 | 1 | 1 | 33.3% |
| Tooele County | 2 | 1 | 0 | 0.0% |
| Morgan 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: 65 applications in 2025, of which 34 were originated and 7 denied.
10.8% of all applications, or 17.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans First Federal Bank originated in Utah in 2025 was 6.06%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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