UBS Bank USA in Utah vs the state
3.2%Denial rate-12.73 pts vs state
3.7%Decision denial rate-15.48 pts vs state
83.9%Origination rate+20.63 pts vs state
5.81%Median rate-0.81 pts vs state
-0.11Rate spread (pts)-0.35 pts vs state
$745kMedian applicant income
52Loans originated
2Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 33 | 8.9% | 5.88% | #157 |
| 2024 | 44 | 32 | 6.8% | 6.13% | #169 |
| 2025 | 62 | 52 | 3.2% | 5.81% | #157 |
What UBS Bank USA lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 20 | 16 | 0 | 0.0% |
| Salt Lake County | 15 | 12 | 1 | 6.7% |
| Wasatch County | 11 | 10 | 0 | 0.0% |
| Utah County | 8 | 6 | 1 | 12.5% |
| Weber County | 3 | 3 | 0 | 0.0% |
| Kane County | 3 | 3 | 0 | 0.0% |
| Davis County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 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: 62 applications in 2025, of which 52 were originated and 2 denied.
3.2% of all applications, or 3.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans UBS Bank USA originated in Utah in 2025 was 5.81%, against a statewide median of 6.63%.
About this data. Figures are UBS Bank USA'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