Granite Bank in Utah vs the state
14.3%Denial rate-1.67 pts vs state
20.0%Decision denial rate+0.82 pts vs state
57.1%Origination rate-6.10 pts vs state
6.63%Median rate0.00 pts vs state
0.61Rate spread (pts)+0.37 pts vs state
$82kMedian applicant income
4Loans originated
1Denied
What Granite Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Granite Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davis County | 2 | 2 | 0 | 0.0% |
| Weber County | 2 | 1 | 0 | 0.0% |
| Utah County | 1 | 0 | 0 | 0.0% |
| Wasatch County | 1 | 0 | 1 | 100.0% |
| 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 4 were originated and 1 denied.
14.3% of all applications, or 20.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Granite Bank originated in Utah in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Granite 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