First National Bank of America in Utah vs the state
24.1%Denial rate+8.18 pts vs state
28.0%Decision denial rate+8.82 pts vs state
62.1%Origination rate-1.17 pts vs state
8.81%Median rate+2.19 pts vs state
2.82Rate spread (pts)+2.58 pts vs state
$107kMedian applicant income
18Loans originated
7Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 16 | 21.9% | 9.88% | #177 |
| 2024 | 43 | 23 | 18.6% | 9.13% | #170 |
| 2025 | 29 | 18 | 24.1% | 8.81% | #211 |
What First National Bank of America lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 10 | 8 | 1 | 10.0% |
| Utah County | 8 | 3 | 2 | 25.0% |
| Washington County | 5 | 4 | 1 | 20.0% |
| Weber County | 2 | 1 | 1 | 50.0% |
| Millard County | 2 | 0 | 2 | 100.0% |
| Box Elder County | 1 | 1 | 0 | 0.0% |
| Davis 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: 29 applications in 2025, of which 18 were originated and 7 denied.
24.1% of all applications, or 28.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans First National Bank of America originated in Utah in 2025 was 8.81%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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