USAA Federal Savings Bank in Utah vs the state
26.2%Denial rate+10.25 pts vs state
37.6%Decision denial rate+18.44 pts vs state
43.5%Origination rate-19.79 pts vs state
6.25%Median rate-0.38 pts vs state
-0.21Rate spread (pts)-0.45 pts vs state
$151kMedian applicant income
63Loans originated
38Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 58 | 20.8% | 6.25% | #105 |
| 2024 | 161 | 77 | 21.7% | 6.38% | #103 |
| 2025 | 145 | 63 | 26.2% | 6.25% | #116 |
What USAA Federal Savings Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 44 | 18 | 11 | 25.0% |
| Utah County | 21 | 8 | 7 | 33.3% |
| Davis County | 18 | 6 | 5 | 27.8% |
| Weber County | 16 | 8 | 6 | 37.5% |
| Washington County | 15 | 8 | 3 | 20.0% |
| Cache County | 7 | 4 | 1 | 14.3% |
| Summit County | 4 | 0 | 2 | 50.0% |
| Box Elder County | 4 | 3 | 0 | 0.0% |
| Iron County | 4 | 3 | 1 | 25.0% |
| Sevier County | 2 | 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: 145 applications in 2025, of which 63 were originated and 38 denied.
26.2% of all applications, or 37.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans USAA Federal Savings Bank originated in Utah in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are USAA 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