Bank of Utah
Bank of Utah received 945 applications in 2025 and made 734 mortgages, in 52 counties across 10 states. The median rate its borrowers got was 6.375% on a median loan of $315,000. Of 756 decisions, 14 were denials — 1.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300NNL9H573MWO110 |
|---|---|
| Applications received | 945 |
| Mortgages made | 734 |
| Denied | 14 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 189 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0585 points |
| FDIC-insured bank | Yes: Bank of Utah, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 482 | 6.500% | $375,000 | 1.4% |
| Refinancing | 90 | 5.875% | $260,000 | 0.0% |
| Cash-out refinancing | 29 | 6.625% | $265,000 | 9.4% |
| Other purposes | 133 | 6.125% | $155,000 | 2.9% |
Where Bank of Utah lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cache County, UT | 140 | 6.375% | 1.4% |
| Weber County, UT | 122 | 6.125% | 0.0% |
| Salt Lake County, UT | 64 | 6.125% | 4.5% |
| Uintah County, UT | 55 | 6.500% | 1.8% |
| Davis County, UT | 54 | 6.125% | 0.0% |
| Utah County, UT | 52 | 6.500% | 3.6% |
| Washington County, UT | 48 | 6.875% | 5.8% |
| Box Elder County, UT | 34 | 6.375% | 2.8% |
| Carbon County, UT | 28 | 6.375% | 0.0% |
| Duchesne County, UT | 15 | 6.875% | 6.3% |
| Wasatch County, UT | 15 | 6.875% | 0.0% |
| Emery County, UT | 14 | 6.188% | 0.0% |
| Summit County, UT | 13 | 6.750% | 0.0% |
| Tooele County, UT | 12 | 6.250% | 0.0% |
| Franklin County, ID | 11 | 6.250% | 0.0% |
| Iron County, UT | 7 | Under 10 loans | 0.0% |
| Clark County, NV | 5 | Under 10 loans | 0.0% |
| Morgan County, UT | 5 | Under 10 loans | 0.0% |
| Beaver County, UT | 3 | Under 10 loans | 0.0% |
| Grand County, UT | 3 | Under 10 loans | 0.0% |
| Rich County, UT | 3 | Under 10 loans | 0.0% |
| Bannock County, ID | 2 | Under 10 loans | 0.0% |
| Bear Lake County, ID | 2 | Under 10 loans | 0.0% |
| Oneida County, ID | 2 | Under 10 loans | 0.0% |
| Minnehaha County, SD | 2 | Under 10 loans | 0.0% |
| Kane County, UT | 2 | Under 10 loans | 0.0% |
| Sanpete County, UT | 2 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Clear Creek County, CO | 1 | Under 10 loans | 0.0% |
| Jefferson County, CO | 1 | Under 10 loans | 0.0% |
| Bonner County, ID | 1 | Under 10 loans | 0.0% |
| Bonneville County, ID | 1 | Under 10 loans | 0.0% |
| Fremont County, ID | 1 | Under 10 loans | 0.0% |
| Kootenai County, ID | 1 | Under 10 loans | 0.0% |
| Teton County, ID | 1 | Under 10 loans | 0.0% |
| Elko County, NV | 1 | Under 10 loans | 0.0% |
| Love County, OK | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Garfield County, UT | 1 | Under 10 loans | 0.0% |
| Juab County, UT | 1 | Under 10 loans | 0.0% |
| Millard County, UT | 1 | Under 10 loans | 0.0% |
| San Juan County, UT | 1 | Under 10 loans | 0.0% |
| Wayne County, UT | 1 | Under 10 loans | 0.0% |
| Lincoln County, WY | 1 | Under 10 loans | 50.0% |
| Riverside County, CA | 0 | Under 10 loans | Not published |
| Tulare County, CA | 0 | Under 10 loans | Not published |
| Elmore County, ID | 0 | Under 10 loans | Not published |
| Allen Parish, LA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.