Texana Bank in Utah vs the state
9.6%Denial rate-6.32 pts vs state
30.8%Decision denial rate+11.59 pts vs state
16.9%Origination rate-46.37 pts vs state
6.44%Median rate-0.19 pts vs state
0.23Rate spread (pts)-0.01 pts vs state
$82kMedian applicant income
14Loans originated
8Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 0 | 40.0% | — | #210 |
| 2024 | 40 | 12 | 15.0% | 6.25% | #173 |
| 2025 | 83 | 14 | 9.6% | 6.44% | #141 |
What Texana Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Texana Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 24 | 3 | 1 | 4.2% |
| Utah County | 19 | 7 | 0 | 0.0% |
| Weber County | 9 | 1 | 2 | 22.2% |
| Davis County | 9 | 0 | 2 | 22.2% |
| Washington County | 5 | 1 | 2 | 40.0% |
| Tooele County | 4 | 0 | 0 | 0.0% |
| Uintah County | 3 | 1 | 1 | 33.3% |
| Iron County | 2 | 0 | 0 | 0.0% |
| Carbon County | 2 | 0 | 0 | 0.0% |
| Box Elder County | 2 | 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: 83 applications in 2025, of which 14 were originated and 8 denied.
9.6% of all applications, or 30.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Texana Bank originated in Utah in 2025 was 6.44%, against a statewide median of 6.63%.
About this data. Figures are Texana 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