United Trust Bank in Utah vs the state
14.3%Denial rate-1.67 pts vs state
14.3%Decision denial rate-4.89 pts vs state
78.6%Origination rate+15.33 pts vs state
6.75%Median rate+0.13 pts vs state
0.42Rate spread (pts)+0.18 pts vs state
$85kMedian applicant income
11Loans originated
2Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 5 | 16.7% | 6.50% | #310 |
| 2025 | 14 | 11 | 14.3% | 6.75% | #262 |
What United Trust Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 3 | 1 | 2 | 66.7% |
| Salt Lake County | 3 | 3 | 0 | 0.0% |
| Weber County | 3 | 2 | 0 | 0.0% |
| Tooele County | 2 | 2 | 0 | 0.0% |
| Utah County | 1 | 1 | 0 | 0.0% |
| Davis County | 1 | 1 | 0 | 0.0% |
| Cache 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: 14 applications in 2025, of which 11 were originated and 2 denied.
14.3% of all applications, or 14.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans United Trust Bank originated in Utah in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are United Trust 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