UMB Bank in Utah vs the state
18.2%Denial rate+2.22 pts vs state
19.1%Decision denial rate-0.13 pts vs state
77.3%Origination rate+14.03 pts vs state
6.67%Median rate+0.05 pts vs state
-0.57Rate spread (pts)-0.81 pts vs state
$378kMedian applicant income
17Loans originated
4Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 20.0% | 7.24% | #270 |
| 2024 | 10 | 6 | 10.0% | 7.50% | #270 |
| 2025 | 22 | 17 | 18.2% | 6.67% | #232 |
What UMB Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 12 | 9 | 2 | 16.7% |
| Utah County | 5 | 4 | 1 | 20.0% |
| Davis County | 2 | 2 | 0 | 0.0% |
| Weber County | 1 | 0 | 1 | 100.0% |
| Summit 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: 22 applications in 2025, of which 17 were originated and 4 denied.
18.2% of all applications, or 19.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans UMB Bank originated in Utah in 2025 was 6.67%, against a statewide median of 6.63%.
About this data. Figures are UMB 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