Citizens Bank in Utah vs the state
17.1%Denial rate+1.18 pts vs state
22.2%Decision denial rate+3.04 pts vs state
57.1%Origination rate-6.10 pts vs state
5.63%Median rate-1.00 pts vs state
-0.31Rate spread (pts)-0.55 pts vs state
$850kMedian applicant income
20Loans originated
6Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 14 | 24.0% | 6.50% | #189 |
| 2024 | 19 | 12 | 15.8% | 6.25% | #227 |
| 2025 | 35 | 20 | 17.1% | 5.63% | #206 |
What Citizens Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 12 | 9 | 0 | 0.0% |
| Wasatch County | 10 | 8 | 1 | 10.0% |
| Salt Lake County | 6 | 0 | 3 | 50.0% |
| Utah County | 3 | 2 | 0 | 0.0% |
| Weber County | 2 | 1 | 0 | 0.0% |
| Davis County | 1 | 0 | 1 | 100.0% |
| Box Elder County | 1 | 0 | 1 | 100.0% |
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: 35 applications in 2025, of which 20 were originated and 6 denied.
17.1% of all applications, or 22.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Citizens Bank originated in Utah in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are Citizens 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