Glacier Bank in Utah vs the state
19.8%Denial rate+3.82 pts vs state
27.9%Decision denial rate+8.68 pts vs state
49.7%Origination rate-13.52 pts vs state
6.88%Median rate+0.25 pts vs state
0.31Rate spread (pts)+0.07 pts vs state
$163kMedian applicant income
269Loans originated
107Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 489 | 236 | 15.1% | 7.44% | #54 |
| 2024 | 497 | 260 | 18.5% | 7.37% | #54 |
| 2025 | 541 | 269 | 19.8% | 6.88% | #55 |
What Glacier Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Glacier Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 124 | 72 | 18 | 14.5% |
| Salt Lake County | 72 | 37 | 15 | 20.8% |
| Washington County | 68 | 30 | 14 | 20.6% |
| Davis County | 55 | 32 | 9 | 16.4% |
| Cache County | 55 | 21 | 17 | 30.9% |
| Weber County | 31 | 10 | 7 | 22.6% |
| Summit County | 29 | 14 | 6 | 20.7% |
| Box Elder County | 24 | 15 | 4 | 16.7% |
| Wasatch County | 23 | 9 | 6 | 26.1% |
| Iron County | 16 | 7 | 4 | 25.0% |
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: 541 applications in 2025, of which 269 were originated and 107 denied.
19.8% of all applications, or 27.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Glacier Bank originated in Utah in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Glacier 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