NBKC Bank in Utah vs the state
11.2%Denial rate-4.75 pts vs state
16.0%Decision denial rate-3.18 pts vs state
57.9%Origination rate-5.30 pts vs state
6.19%Median rate-0.44 pts vs state
-0.17Rate spread (pts)-0.41 pts vs state
$163kMedian applicant income
62Loans originated
12Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 123 | 70 | 6.5% | 6.38% | #116 |
| 2024 | 136 | 78 | 6.6% | 6.13% | #109 |
| 2025 | 107 | 62 | 11.2% | 6.19% | #130 |
What NBKC Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 41 | 23 | 2 | 4.9% |
| Utah County | 20 | 12 | 2 | 10.0% |
| Davis County | 10 | 5 | 1 | 10.0% |
| Washington County | 7 | 5 | 0 | 0.0% |
| Weber County | 5 | 4 | 0 | 0.0% |
| Wasatch County | 5 | 4 | 1 | 20.0% |
| Cache County | 4 | 1 | 2 | 50.0% |
| Tooele County | 3 | 3 | 0 | 0.0% |
| Box Elder County | 2 | 2 | 0 | 0.0% |
| Grand County | 2 | 0 | 2 | 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: 107 applications in 2025, of which 62 were originated and 12 denied.
11.2% of all applications, or 16.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans NBKC Bank originated in Utah in 2025 was 6.19%, against a statewide median of 6.63%.
About this data. Figures are NBKC 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