State Bank of Southern Utah in Utah vs the state
9.5%Denial rate-6.42 pts vs state
10.6%Decision denial rate-8.57 pts vs state
74.7%Origination rate+11.41 pts vs state
7.50%Median rate+0.88 pts vs state
0.22Rate spread (pts)-0.02 pts vs state
$119kMedian applicant income
595Loans originated
76Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 718 | 527 | 13.4% | 8.00% | #34 |
| 2024 | 828 | 593 | 12.2% | 8.25% | #36 |
| 2025 | 797 | 595 | 9.5% | 7.50% | #42 |
What State Bank of Southern Utah lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most State Bank of Southern Utah applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Iron County | 291 | 222 | 19 | 6.5% |
| Washington County | 143 | 105 | 19 | 13.3% |
| Millard County | 96 | 80 | 4 | 4.2% |
| Kane County | 77 | 54 | 13 | 16.9% |
| Sevier County | 60 | 37 | 9 | 15.0% |
| Garfield County | 42 | 29 | 6 | 14.3% |
| Sanpete County | 32 | 23 | 1 | 3.1% |
| Piute County | 15 | 11 | 3 | 20.0% |
| Wayne County | 15 | 8 | 2 | 13.3% |
| Beaver County | 14 | 14 | 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: 797 applications in 2025, of which 595 were originated and 76 denied.
9.5% of all applications, or 10.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans State Bank of Southern Utah originated in Utah in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are State Bank of Southern Utah'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