AMERICA FIRST Federal Credit Union in Utah vs the state
18.3%Denial rate+2.34 pts vs state
19.1%Decision denial rate-0.07 pts vs state
72.1%Origination rate+8.89 pts vs state
6.99%Median rate+0.37 pts vs state
0.32Rate spread (pts)+0.08 pts vs state
$120kMedian applicant income
11,759Loans originated
2,984Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17,489 | 13,104 | 15.8% | 7.74% | #1 |
| 2024 | 17,017 | 12,631 | 17.3% | 7.49% | #1 |
| 2025 | 16,303 | 11,759 | 18.3% | 6.99% | #1 |
What AMERICA FIRST Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most AMERICA FIRST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 5,158 | 3,636 | 1,060 | 20.6% |
| Davis County | 3,010 | 2,323 | 396 | 13.2% |
| Weber County | 2,534 | 1,894 | 391 | 15.4% |
| Utah County | 2,426 | 1,733 | 484 | 20.0% |
| Washington County | 736 | 485 | 163 | 22.1% |
| Cache County | 592 | 430 | 105 | 17.7% |
| Box Elder County | 485 | 360 | 78 | 16.1% |
| Tooele County | 410 | 278 | 96 | 23.4% |
| Wasatch County | 196 | 139 | 33 | 16.8% |
| Summit County | 136 | 83 | 36 | 26.5% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Utah Community Federal Credit Union | B | 2,573 | 16.1% | 6.99% |
Frequently asked questions
Utah: 16,303 applications in 2025, of which 11,759 were originated and 2,984 denied.
18.3% of all applications, or 19.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans AMERICA FIRST Federal Credit Union originated in Utah in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are AMERICA FIRST Federal Credit Union'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