Applications / Mortgage Analytics / Lenders / Utah / Central Bank / Competition
Central Bank
Provo, UT · State non-member bank · FDIC · $2.1 billion assets · 141 loans in 2025
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141
loans originated, 2025
189
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Who Central Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — PROVO-OREM-LEHI, UT, 2025
Central Bank ranks 25th of 319 lenders in Provo-Orem-Lehi, UT, with $59.4M lent: 0.8% of a $7.84B market.
Provo-Orem-Lehi, UT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ST. GEORGE, UT, 2025
Central Bank ranks 46th of 261 lenders in St. George, UT, with $10.3M lent: 0.4% of a $2.88B market.
St. George, UT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — SALT LAKE CITY-MURRAY, UT, 2025
Central Bank ranks 150th of 363 lenders in Salt Lake City-Murray, UT, with $7.6M lent: 0.1% of a $12.49B market.
Salt Lake City-Murray, UT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO UTAH, 2025
Central Bank ranks 135th of 349 lenders in non-metro Utah, with $5.7M lent: 0.1% of a $6.01B market.
non-metro Utah is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — OGDEN, UT, 2025
Central Bank ranks 258th of 308 lenders in Ogden, UT, with $565K lent: 0.0% of a $6.38B market.
Ogden, UT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NON-METRO NORTH CAROLINA, 2025
Central Bank ranks 614th of 762 lenders in non-metro North Carolina, with $405K lent: 0.0% of a $12.96B market.
non-metro North Carolina is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — ST. LOUIS, IL-MO, 2025
Central Bank ranks 611th of 637 lenders in St. Louis, IL-MO, with $85K lent: 0.0% of a $16.74B market.
St. Louis, IL-MO is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — LAS VEGAS-HENDERSON-NORTH LAS VEGAS, NV, 2025
Central Bank ranks 413th of 489 lenders in Las Vegas-Henderson-North Las Vegas, NV, with $505K lent: 0.0% of a $19.26B market.
Las Vegas-Henderson-North Las Vegas, NV is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Central Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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