American United Federal Credit Union in Utah vs the state
37.6%Denial rate+21.60 pts vs state
43.5%Decision denial rate+24.32 pts vs state
48.3%Origination rate-14.95 pts vs state
7.50%Median rate+0.88 pts vs state
1.02Rate spread (pts)+0.78 pts vs state
$128kMedian applicant income
99Loans originated
77Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 131 | 31.4% | 8.25% | #86 |
| 2024 | 234 | 142 | 26.5% | 8.50% | #86 |
| 2025 | 205 | 99 | 37.6% | 7.50% | #98 |
What American United Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most American United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 112 | 56 | 39 | 34.8% |
| Tooele County | 30 | 15 | 12 | 40.0% |
| Utah County | 21 | 9 | 9 | 42.9% |
| Davis County | 14 | 7 | 4 | 28.6% |
| Summit County | 6 | 3 | 2 | 33.3% |
| Weber County | 6 | 0 | 5 | 83.3% |
| Carbon County | 5 | 3 | 2 | 40.0% |
| Wasatch County | 2 | 1 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Morgan 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: 205 applications in 2025, of which 99 were originated and 77 denied.
37.6% of all applications, or 43.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans American United Federal Credit Union originated in Utah in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are American United 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