City Lending in Utah vs the state
38.5%Denial rate+22.50 pts vs state
55.6%Decision denial rate+36.38 pts vs state
30.8%Origination rate-32.47 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$97kMedian applicant income
4Loans originated
5Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 8 | 0.0% | 7.75% | #287 |
| 2025 | 13 | 4 | 38.5% | 7.50% | #268 |
What City Lending lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most City Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 4 | 2 | 0 | 0.0% |
| Millard County | 3 | 2 | 0 | 0.0% |
| Davis County | 2 | 0 | 2 | 100.0% |
| Washington County | 2 | 0 | 2 | 100.0% |
| Tooele County | 1 | 0 | 1 | 100.0% |
| Summit County | 1 | 0 | 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: 13 applications in 2025, of which 4 were originated and 5 denied.
38.5% of all applications, or 55.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans City Lending originated in Utah in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are City Lending'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