State Bank of Southern Utah
State Bank of Southern Utah received 812 applications in 2025 and made 603 mortgages, in 20 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $155,000. Of 728 decisions, 80 were denials — 11.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300IQGEUYRQBJC007 |
|---|---|
| Applications received | 812 |
| Mortgages made | 603 |
| Denied | 80 |
| Approved, not taken up | 45 |
| Withdrawn or incomplete | 84 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.22 points |
| FDIC-insured bank | Yes: State Bank of Southern Utah, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 125 | 6.875% | $305,000 | 8.9% |
| Refinancing | 148 | 7.500% | $150,000 | 3.9% |
| Cash-out refinancing | 15 | 6.625% | $155,000 | 43.3% |
| Other purposes | 315 | 7.500% | $105,000 | 12.4% |
Where State Bank of Southern Utah lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Iron County, UT | 222 | 7.500% | 7.3% |
| Washington County, UT | 105 | 7.500% | 15.0% |
| Millard County, UT | 80 | 7.500% | 4.5% |
| Kane County, UT | 54 | 7.500% | 18.6% |
| Sevier County, UT | 37 | 7.500% | 17.0% |
| Garfield County, UT | 29 | 7.500% | 16.2% |
| Sanpete County, UT | 23 | 7.500% | 3.6% |
| Beaver County, UT | 14 | 7.438% | 0.0% |
| Piute County, UT | 11 | 7.500% | 21.4% |
| Wayne County, UT | 8 | Under 10 loans | 16.7% |
| Salt Lake County, UT | 4 | Under 10 loans | 0.0% |
| Utah County, UT | 4 | Under 10 loans | 0.0% |
| Coconino County, AZ | 3 | Under 10 loans | 25.0% |
| Mohave County, AZ | 2 | Under 10 loans | 50.0% |
| Clark County, NV | 2 | Under 10 loans | 0.0% |
| Lincoln County, NV | 1 | Under 10 loans | 50.0% |
| Davis County, UT | 1 | Under 10 loans | 0.0% |
| Emery County, UT | 1 | Under 10 loans | 0.0% |
| Grand County, UT | 1 | Under 10 loans | 0.0% |
| Juab County, UT | 1 | Under 10 loans | 0.0% |
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When State Bank of Southern Utah’s figures are published for the next year, or restated.
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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.