Lenders › Central Bank › Utah
Central Bank in Utah
HMDA record for properties in Utah, calendar year 2024. National record · Utah overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Utah, Central Bank reported 122 applications and 81 originations for 2024, $44m in all.
Its denial rate in the state was 10.9%, below the Utah rate of 20.5% across all lenders and compared with the lender's national rate of 11.1%.
Applications in the state were down 68% on 2023.
Compared with the state and the lender's national record
| Measure | In Utah | Utah, all lenders | Central Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.9% | 20.5% | 11.1% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 14.2% | — | 15.6% |
| Average originated loan | $542k | $343k | $533k | $329k |
| Home purchase share | 69.1% | 49.0% | 71.3% | 57.0% |
| FHA-insured share | 0.0% | 14.1% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.7% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateUtah, all lenders
Loan purpose and loan type in Utah
By purpose
Home purchase 69% (56)Home improvement 1% (1)Refinancing 15% (12)Cash-out refinancing 12% (10)Other purpose 2% (2)
By type
Conventional 100% (81)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Utah
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Utah County | 91 | 63 | $34m | 5.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Central Bank originate in Utah in 2024?
81 loans totalling $44m, from 122 applications reported for properties in Utah.
What is Central Bank's denial rate in Utah?
10.9% of decided applications in Utah were denied, against 20.5% for all lenders in the state and 11.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Utah counties does Central Bank lend in most?
By originations: Utah County (63).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Utah. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.