Central Bank in Utah vs the state
2.2%Denial rate-13.79 pts vs state
2.7%Decision denial rate-16.48 pts vs state
75.0%Origination rate+11.76 pts vs state
—Median rate
—Rate spread (pts)
$193kMedian applicant income
138Loans originated
4Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 380 | 281 | 9.0% | — | #65 |
| 2024 | 122 | 81 | 8.2% | — | #115 |
| 2025 | 184 | 138 | 2.2% | — | #103 |
What Central Bank lends in Utah
By loan purpose
By loan type
Where in Utah
Counties with the most Central Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 139 | 104 | 3 | 2.2% |
| Salt Lake County | 14 | 11 | 0 | 0.0% |
| Washington County | 7 | 6 | 0 | 0.0% |
| Sanpete County | 7 | 3 | 1 | 14.3% |
| Juab County | 5 | 4 | 0 | 0.0% |
| Carbon County | 4 | 3 | 0 | 0.0% |
| Wasatch County | 2 | 2 | 0 | 0.0% |
| Davis County | 2 | 1 | 0 | 0.0% |
| Iron County | 1 | 1 | 0 | 0.0% |
| Summit County | 1 | 1 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 184 applications in 2025, of which 138 were originated and 4 denied.
2.2% of all applications, or 2.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Central Bank's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology