Manufacturers and Traders Trust in Utah vs the state
10.0%Denial rate-5.96 pts vs state
14.3%Decision denial rate-4.89 pts vs state
60.0%Origination rate-3.24 pts vs state
4.19%Median rate-2.44 pts vs state
0.15Rate spread (pts)-0.09 pts vs state
$145kMedian applicant income
24Loans originated
4Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 20 | 12.1% | 4.25% | #175 |
| 2024 | 26 | 18 | 3.9% | 4.06% | #206 |
| 2025 | 40 | 24 | 10.0% | 4.19% | #191 |
What Manufacturers and Traders Trust lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 10 | 6 | 0 | 0.0% |
| Davis County | 7 | 5 | 0 | 0.0% |
| Weber County | 7 | 5 | 1 | 14.3% |
| Utah County | 5 | 1 | 2 | 40.0% |
| Summit County | 4 | 4 | 0 | 0.0% |
| Wasatch County | 2 | 2 | 0 | 0.0% |
| Uintah County | 1 | 0 | 0 | 0.0% |
| Juab County | 1 | 0 | 0 | 0.0% |
| Box Elder County | 1 | 1 | 0 | 0.0% |
| Cache County | 1 | 0 | 1 | 100.0% |
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: 40 applications in 2025, of which 24 were originated and 4 denied.
10.0% of all applications, or 14.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Manufacturers and Traders Trust originated in Utah in 2025 was 4.19%, against a statewide median of 6.63%.
About this data. Figures are Manufacturers and Traders 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