The Federal Savings Bank in Utah vs the state
10.3%Denial rate-5.67 pts vs state
20.7%Decision denial rate+1.48 pts vs state
37.0%Origination rate-26.20 pts vs state
6.25%Median rate-0.38 pts vs state
0.27Rate spread (pts)+0.03 pts vs state
$99kMedian applicant income
90Loans originated
25Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 249 | 84 | 12.1% | 6.44% | #81 |
| 2024 | 248 | 93 | 8.9% | 6.00% | #82 |
| 2025 | 243 | 90 | 10.3% | 6.25% | #90 |
What The Federal Savings Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 77 | 27 | 6 | 7.8% |
| Davis County | 35 | 15 | 5 | 14.3% |
| Weber County | 32 | 15 | 1 | 3.1% |
| Utah County | 27 | 3 | 5 | 18.5% |
| Washington County | 17 | 5 | 2 | 11.8% |
| Tooele County | 15 | 5 | 3 | 20.0% |
| Iron County | 6 | 3 | 1 | 16.7% |
| Sevier County | 5 | 3 | 0 | 0.0% |
| Cache County | 5 | 0 | 0 | 0.0% |
| Box Elder County | 4 | 2 | 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: 243 applications in 2025, of which 90 were originated and 25 denied.
10.3% of all applications, or 20.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans The Federal Savings Bank originated in Utah in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings 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