Lender in Utah · HMDA 2025
Bank of Utah mortgages in Utah
Bank of Utah's 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Bank of Utah originated 403 owner-occupied single-family loans in Utah from 416 completed applications.
Its median conventional purchase loan costs were $5,150 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.50% (Utah: 6.50%).
Loans in UT
403
of 416 applications
Denial rate
1.5%
Purchase · UT 6.5%
Rate spread
−0.00 pts
Conv. · UT +0.05 pts
Loan amount
$405,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 345 | 337 | 1.5% | 6.500% | −0.00 pts | $5,150 | $405,000 |
| Refinance | 44 | 42 | 0.0% | — | −0.05 pts | $7,000 | $345,000 |
| Cash-out refinance | 27 | 24 | 11.1% | — | — | — | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Bank of Utah ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Uintah County | 4 | 31 | 6.0% |
| Emery County | 4 | 9 | 8.6% |
| Cache County | 6 | 92 | 4.9% |
| Carbon County | 7 | 18 | 5.4% |
| Duchesne County | 7 | 7 | 3.1% |
| Weber County | 9 | 92 | 1.9% |
| Box Elder County | 12 | 20 | 1.7% |
| Garfield County | 14 | 1 | 1.5% |
| Wasatch County | 20 | 9 | 1.3% |
| Morgan County | 20 | 3 | 1.3% |
| San Juan County | 21 | 1 | 1.4% |
| Grand County | 24 | 1 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology