First United Bank and Trust in Utah vs the state
14.3%Denial rate-1.67 pts vs state
16.7%Decision denial rate-2.51 pts vs state
71.4%Origination rate+8.19 pts vs state
6.38%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.18 pts vs state
$366kMedian applicant income
5Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 3 | 0.0% | 6.88% | #315 |
| 2025 | 7 | 5 | 14.3% | 6.38% | #315 |
What First United Bank and Trust lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most First United Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wasatch County | 3 | 1 | 1 | 33.3% |
| Utah County | 2 | 2 | 0 | 0.0% |
| Summit 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: 7 applications in 2025, of which 5 were originated and 1 denied.
14.3% of all applications, or 16.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans First United Bank and Trust originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are First United Bank and Trust'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