JPMorgan Chase Bank in Utah vs the state
10.9%Denial rate-5.08 pts vs state
15.2%Decision denial rate-3.97 pts vs state
59.1%Origination rate-4.19 pts vs state
6.38%Median rate-0.25 pts vs state
0.00Rate spread (pts)-0.24 pts vs state
$172kMedian applicant income
483Loans originated
89Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 515 | 321 | 9.9% | 6.50% | #51 |
| 2024 | 560 | 320 | 13.0% | 6.63% | #51 |
| 2025 | 818 | 483 | 10.9% | 6.38% | #40 |
What JPMorgan Chase Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 296 | 170 | 33 | 11.1% |
| Utah County | 151 | 77 | 26 | 17.2% |
| Summit County | 84 | 61 | 5 | 6.0% |
| Davis County | 75 | 40 | 5 | 6.7% |
| Washington County | 59 | 42 | 4 | 6.8% |
| Wasatch County | 52 | 36 | 5 | 9.6% |
| Weber County | 43 | 19 | 5 | 11.6% |
| Iron County | 17 | 9 | 2 | 11.8% |
| Cache County | 14 | 9 | 1 | 7.1% |
| Tooele County | 6 | 5 | 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: 818 applications in 2025, of which 483 were originated and 89 denied.
10.9% of all applications, or 15.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans JPMorgan Chase Bank originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are JPMorgan Chase 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