MidFirst Bank in Utah vs the state
2.0%Denial rate-13.92 pts vs state
2.3%Decision denial rate-16.91 pts vs state
85.7%Origination rate+22.47 pts vs state
6.06%Median rate-0.56 pts vs state
-0.08Rate spread (pts)-0.32 pts vs state
$515kMedian applicant income
42Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 25 | 0.0% | 6.13% | #179 |
| 2024 | 30 | 21 | 16.7% | 6.88% | #189 |
| 2025 | 49 | 42 | 2.0% | 6.06% | #173 |
What MidFirst Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most MidFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 12 | 9 | 1 | 8.3% |
| Salt Lake County | 11 | 8 | 0 | 0.0% |
| Utah County | 8 | 7 | 0 | 0.0% |
| Wasatch County | 4 | 4 | 0 | 0.0% |
| Washington County | 4 | 4 | 0 | 0.0% |
| Davis County | 3 | 3 | 0 | 0.0% |
| Weber County | 2 | 2 | 0 | 0.0% |
| Morgan County | 2 | 2 | 0 | 0.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
| Iron 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: 49 applications in 2025, of which 42 were originated and 1 denied.
2.0% of all applications, or 2.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans MidFirst Bank originated in Utah in 2025 was 6.06%, against a statewide median of 6.63%.
About this data. Figures are MidFirst 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