Citibank in Utah vs the state
9.4%Denial rate-6.56 pts vs state
14.1%Decision denial rate-5.08 pts vs state
53.9%Origination rate-9.39 pts vs state
5.75%Median rate-0.88 pts vs state
-0.27Rate spread (pts)-0.51 pts vs state
$509kMedian applicant income
63Loans originated
11Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 95 | 5.9% | 5.38% | #107 |
| 2024 | 104 | 62 | 12.5% | 6.25% | #128 |
| 2025 | 117 | 63 | 9.4% | 5.75% | #126 |
What Citibank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 42 | 19 | 4 | 9.5% |
| Summit County | 28 | 21 | 3 | 10.7% |
| Wasatch County | 18 | 12 | 0 | 0.0% |
| Utah County | 16 | 6 | 2 | 12.5% |
| Weber County | 5 | 2 | 2 | 40.0% |
| Iron County | 2 | 0 | 0 | 0.0% |
| Washington County | 2 | 0 | 0 | 0.0% |
| Davis County | 2 | 2 | 0 | 0.0% |
| Tooele County | 1 | 0 | 0 | 0.0% |
| Kane 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: 117 applications in 2025, of which 63 were originated and 11 denied.
9.4% of all applications, or 14.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Citibank originated in Utah in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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