City National Bank in Utah vs the state
6.7%Denial rate-9.29 pts vs state
7.7%Decision denial rate-11.49 pts vs state
80.0%Origination rate+16.76 pts vs state
5.48%Median rate-1.14 pts vs state
-0.25Rate spread (pts)-0.49 pts vs state
$628kMedian applicant income
12Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 14 | 14.3% | 6.15% | #204 |
| 2024 | 13 | 5 | 23.1% | 7.45% | #259 |
| 2025 | 15 | 12 | 6.7% | 5.48% | #256 |
What City National Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most City National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wasatch County | 4 | 3 | 1 | 25.0% |
| Summit County | 3 | 3 | 0 | 0.0% |
| Salt Lake County | 3 | 3 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Iron County | 1 | 0 | 0 | 0.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
| Morgan 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: 15 applications in 2025, of which 12 were originated and 1 denied.
6.7% of all applications, or 7.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans City National Bank originated in Utah in 2025 was 5.48%, against a statewide median of 6.63%.
About this data. Figures are City National 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