NBH Bank in Utah vs the state
11.4%Denial rate-4.57 pts vs state
20.0%Decision denial rate+0.82 pts vs state
44.3%Origination rate-18.94 pts vs state
6.99%Median rate+0.37 pts vs state
0.67Rate spread (pts)+0.43 pts vs state
$316kMedian applicant income
35Loans originated
9Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 205 | 89 | 14.6% | 7.69% | #91 |
| 2024 | 124 | 53 | 19.4% | 8.48% | #113 |
| 2025 | 79 | 35 | 11.4% | 6.99% | #143 |
What NBH Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most NBH Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 27 | 8 | 7 | 25.9% |
| Wasatch County | 18 | 13 | 1 | 5.6% |
| Salt Lake County | 16 | 10 | 1 | 6.3% |
| Millard County | 5 | 1 | 0 | 0.0% |
| Uintah County | 4 | 0 | 0 | 0.0% |
| Summit County | 4 | 2 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Cache County | 1 | 0 | 0 | 0.0% |
| Duchesne County | 1 | 0 | 0 | 0.0% |
| Iron County | 1 | 0 | 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: 79 applications in 2025, of which 35 were originated and 9 denied.
11.4% 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 NBH Bank originated in Utah in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are NBH 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