First-Citizens Bank & Trust in Utah vs the state
4.2%Denial rate-11.79 pts vs state
6.7%Decision denial rate-12.51 pts vs state
50.0%Origination rate-13.24 pts vs state
5.69%Median rate-0.94 pts vs state
-0.33Rate spread (pts)-0.57 pts vs state
$649kMedian applicant income
12Loans originated
1Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 19 | 6.9% | 5.58% | #180 |
| 2024 | 25 | 14 | 8.0% | 6.19% | #208 |
| 2025 | 24 | 12 | 4.2% | 5.69% | #227 |
What First-Citizens Bank & Trust lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 6 | 1 | 0 | 0.0% |
| Utah County | 5 | 1 | 0 | 0.0% |
| Summit County | 5 | 5 | 0 | 0.0% |
| Wasatch County | 5 | 2 | 1 | 20.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Weber 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: 24 applications in 2025, of which 12 were originated and 1 denied.
4.2% of all applications, or 6.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans First-Citizens Bank & Trust originated in Utah in 2025 was 5.69%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust'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