OCMBC in Utah vs the state
8.2%Denial rate-7.72 pts vs state
10.1%Decision denial rate-9.11 pts vs state
61.5%Origination rate-1.70 pts vs state
7.00%Median rate+0.37 pts vs state
0.97Rate spread (pts)+0.73 pts vs state
$167kMedian applicant income
112Loans originated
15Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 69 | 31.5% | 8.19% | #110 |
| 2024 | 117 | 54 | 29.9% | 7.56% | #118 |
| 2025 | 182 | 112 | 8.2% | 7.00% | #104 |
What OCMBC lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 69 | 38 | 4 | 5.8% |
| Utah County | 37 | 25 | 3 | 8.1% |
| Weber County | 18 | 12 | 4 | 22.2% |
| Davis County | 14 | 9 | 0 | 0.0% |
| Washington County | 9 | 6 | 1 | 11.1% |
| Uintah County | 6 | 3 | 1 | 16.7% |
| Box Elder County | 5 | 2 | 0 | 0.0% |
| Cache County | 5 | 4 | 0 | 0.0% |
| Kane County | 4 | 3 | 0 | 0.0% |
| Millard County | 3 | 1 | 1 | 33.3% |
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: 182 applications in 2025, of which 112 were originated and 15 denied.
8.2% of all applications, or 10.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans OCMBC originated in Utah in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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