Citadel Servicing in Utah vs the state
2.1%Denial rate-13.88 pts vs state
2.3%Decision denial rate-16.89 pts vs state
62.0%Origination rate-1.26 pts vs state
7.00%Median rate+0.38 pts vs state
0.82Rate spread (pts)+0.58 pts vs state
$274kMedian applicant income
119Loans originated
4Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 69 | 1.6% | 8.88% | #109 |
| 2024 | 181 | 109 | 4.4% | 8.13% | #97 |
| 2025 | 192 | 119 | 2.1% | 7.00% | #101 |
What Citadel Servicing lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 45 | 23 | 2 | 4.4% |
| Utah County | 39 | 29 | 0 | 0.0% |
| Washington County | 33 | 23 | 0 | 0.0% |
| Summit County | 15 | 10 | 0 | 0.0% |
| Weber County | 13 | 9 | 0 | 0.0% |
| Wasatch County | 12 | 7 | 0 | 0.0% |
| Grand County | 8 | 1 | 0 | 0.0% |
| Davis County | 8 | 4 | 0 | 0.0% |
| San Juan County | 3 | 2 | 1 | 33.3% |
| Tooele County | 3 | 3 | 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: 192 applications in 2025, of which 119 were originated and 4 denied.
2.1% of all applications, or 2.3% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Citadel Servicing originated in Utah in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Citadel Servicing'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