PNC Bank in Utah vs the state
31.3%Denial rate+15.29 pts vs state
42.4%Decision denial rate+23.19 pts vs state
41.6%Origination rate-21.68 pts vs state
6.38%Median rate-0.25 pts vs state
-0.17Rate spread (pts)-0.41 pts vs state
$137kMedian applicant income
133Loans originated
100Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 266 | 118 | 24.1% | 9.11% | #77 |
| 2024 | 310 | 134 | 25.8% | 9.23% | #71 |
| 2025 | 320 | 133 | 31.3% | 6.38% | #75 |
What PNC Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 121 | 51 | 38 | 31.4% |
| Utah County | 76 | 35 | 23 | 30.3% |
| Summit County | 30 | 10 | 6 | 20.0% |
| Davis County | 17 | 9 | 7 | 41.2% |
| Wasatch County | 14 | 8 | 3 | 21.4% |
| Weber County | 14 | 6 | 3 | 21.4% |
| Washington County | 12 | 2 | 5 | 41.7% |
| Tooele County | 10 | 5 | 4 | 40.0% |
| Iron County | 9 | 0 | 5 | 55.6% |
| Cache County | 6 | 3 | 2 | 33.3% |
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: 320 applications in 2025, of which 133 were originated and 100 denied.
31.3% of all applications, or 42.4% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans PNC Bank originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are PNC 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