University Bank in Utah vs the state
10.0%Denial rate-5.96 pts vs state
10.5%Decision denial rate-8.65 pts vs state
85.0%Origination rate+21.76 pts vs state
—Median rate
—Rate spread (pts)
$256kMedian applicant income
17Loans originated
2Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 11 | 0.0% | — | #233 |
| 2024 | 13 | 10 | 7.7% | — | #256 |
| 2025 | 20 | 17 | 10.0% | — | #240 |
What University Bank lends in Utah
By loan purpose
By loan type
Where in Utah
Counties with the most University Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 7 | 6 | 0 | 0.0% |
| Davis County | 4 | 4 | 0 | 0.0% |
| Salt Lake County | 3 | 3 | 0 | 0.0% |
| Cache County | 2 | 2 | 0 | 0.0% |
| Washington County | 2 | 1 | 1 | 50.0% |
| Daggett County | 1 | 0 | 1 | 100.0% |
| Weber 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: 20 applications in 2025, of which 17 were originated and 2 denied.
10.0% of all applications, or 10.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are University 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