Lender in Utah · HMDA 2025
Plains Commerce Bank mortgages in Utah
Plains Commerce Bank's 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Plains Commerce Bank originated 651 owner-occupied single-family loans in Utah from 689 completed applications, making it the state's #16 lender by volume.
Its median conventional purchase loan costs were $7,130 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.50% (Utah: 6.50%).
Loans in UT
651
of 689 applications
Denial rate
4.4%
Purchase · UT 6.5%
Rate spread
+0.12 pts
Conv. · UT +0.05 pts
Loan amount
$435,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 630 | 601 | 4.4% | 6.500% | +0.12 pts | $7,130 | $435,000 |
| Refinance | 37 | 32 | 13.5% | 6.250% | +0.04 pts | $5,860 | $505,000 |
| Cash-out refinance | 22 | 18 | 18.2% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Plains Commerce Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Box Elder County | 9 | 26 | 2.2% |
| Uintah County | 9 | 11 | 2.1% |
| Weber County | 10 | 87 | 1.8% |
| Tooele County | 10 | 52 | 2.8% |
| Utah County | 15 | 158 | 1.3% |
| Cache County | 17 | 20 | 1.1% |
| Davis County | 18 | 68 | 1.3% |
| Morgan County | 18 | 3 | 1.3% |
| Salt Lake County | 19 | 180 | 1.2% |
| Iron County | 19 | 9 | 0.8% |
| San Juan County | 19 | 1 | 1.4% |
| Juab County | 23 | 2 | 1.0% |
| Beaver County | 25 | 1 | 1.0% |
- Plains Commerce Bank nationwide
- Utah mortgage market
- Plains Commerce Bank in Florida
- Plains Commerce Bank in South Dakota
- Plains Commerce Bank in Arizona
- Plains Commerce Bank in Texas
- Plains Commerce Bank in Colorado
- Plains Commerce Bank in Georgia
- Plains Commerce Bank in Minnesota
- Plains Commerce Bank in Nebraska
- Plains Commerce Bank in North Carolina
- Plains Commerce Bank in California
- Plains Commerce Bank in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology