State Bank of Southern Utah mortgage approval rate & lending review
State Bank of Southern Utah decided 290 mortgage applications and funded 224 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions State Bank of Southern Utah reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
State Bank of Southern Utah at a glance
Approval is 5.0 points above the 76.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 82% | 60 / 73 | 83% | $365K | 50 |
| Home improvement loans | 79% | 55 / 70 | 98% | $125K | 54 |
| Refinance | 90% | 73 / 81 | 100% | $185K | 73 |
| Investment property purchase | 82% | 28 / 34 | 96% | $295K | 27 |
State Bank of Southern Utah lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 82% | $185K | 271 | 209 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where State Bank of Southern Utah lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Washington County, UT | Refinance | 91% | 76 | 69 |
| Washington County, UT | Home improvement loans | 79% | 70 | 54 |
| Washington County, UT | Mortgage lenders | 81% | 63 | 41 |
| Washington County, UT | Investment property purchase | 82% | 28 | 22 |
The county markets where State Bank of Southern Utah made the most loans. Each link opens that market with every lender ranked.
Questions about State Bank of Southern Utah
What is State Bank of Southern Utah's mortgage approval rate?
State Bank of Southern Utah approved 81.4% of the 290 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.0 points above the 76.3% national rate for the same mix of loan types.
How often do borrowers take the loan State Bank of Southern Utah offers?
Borrowers accepted 95% of the loans State Bank of Southern Utah approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does State Bank of Southern Utah make?
The typical mortgage refinance loan State Bank of Southern Utah made was $185K; across all loan types its typical loan ran from $125K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does State Bank of Southern Utah lend?
State Bank of Southern Utah decided applications in 3 of the states Fat Boy Data covers, most of them in Utah, Arizona and Nevada.
Can I apply to State Bank of Southern Utah directly?
Yes. State Bank of Southern Utah is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show State Bank of Southern Utah's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how State Bank of Southern Utah treats applications, then get a rate quote from the lender.