City First Mortgage Services in Utah vs the state
3.6%Denial rate-12.39 pts vs state
4.8%Decision denial rate-14.42 pts vs state
64.3%Origination rate+1.05 pts vs state
6.50%Median rate-0.13 pts vs state
-0.06Rate spread (pts)-0.30 pts vs state
$126kMedian applicant income
18Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 30 | 2.4% | 6.19% | #163 |
| 2024 | 43 | 27 | 4.7% | 6.75% | #171 |
| 2025 | 28 | 18 | 3.6% | 6.50% | #216 |
What City First Mortgage Services lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 14 | 11 | 0 | 0.0% |
| Box Elder County | 5 | 1 | 1 | 20.0% |
| Davis County | 3 | 0 | 0 | 0.0% |
| Utah County | 2 | 2 | 0 | 0.0% |
| Weber County | 2 | 2 | 0 | 0.0% |
| Iron County | 2 | 2 | 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: 28 applications in 2025, of which 18 were originated and 1 denied.
3.6% of all applications, or 4.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans City First Mortgage Services originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are City First Mortgage Services'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