Applications / Mortgage Analytics / Lenders / Utah / State Bank of Southern Utah
Cedar City, UT · State non-member bank · FDIC · $2.6 billion assets · 603 loans in 2025
State Bank of Southern Utah's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
603
loans originated, 2025
814
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
State Bank of Southern Utah ranks 12 of 349 lenders in non-metro Utah and makes mostly other-purpose, refinance and home-improvement loans, with flat volume in 2025.
It ranked 12 of 349 lenders in non-metro Utah and 23 of 261 in St. George, where its share fell to 1.1% from 1.6%. It lends in 3 states and 7 metros. Flat originations while the whole market rose 10% is a possible reason for the fall.
It made 603 loans, against 602 in 2024, while similar lenders (state non-member banks making between half and twice as many loans) rose 9%. It has made between 536 and 865 loans a year since 2021.
Other-purpose loans were 33.3% of its lending, refinances 27.0%, purchase loans 20.7% and home improvement 18.9%. Manufactured homes were 8.0% of its loans, against 1.7% at similar lenders.
Its typical rate, 7.50%, was higher than at more than eight in ten similar lenders, whose typical rate was 6.75%; its manufactured-home and other-purpose lending are possible reasons. Only 0.7% of its loans were higher-priced (a rate well above the average for similar loans), against 1.6%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. State Bank of Southern Utah took 814 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 33.3% · Refinance 27.0% · Purchase 20.7% · Home improvement 18.9%
Conventional 100.0% · of 603 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Utah | 595 | 98.7% |
| Arizona | 5 | 0.8% |
| Nevada | 3 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. George | 105 |
| Provo-Orem-Lehi | 5 |
| Salt Lake City-Murray | 4 |
| Flagstaff | 3 |
| Lake Havasu City-Kingman | 2 |
| Las Vegas-Henderson-North Las Vegas | 2 |
| Ogden | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IQGEUYRQBJC007 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 656470 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317964 | 1996–2017 |
Established 25 November 1957. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: State Bank of Southern Utah's data.
State Bank of Southern Utah's data
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State Bank of Southern Utah and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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