Chartway Federal Credit Union in Utah vs the state
27.3%Denial rate+11.29 pts vs state
30.8%Decision denial rate+11.64 pts vs state
57.8%Origination rate-5.41 pts vs state
2.99%Median rate-3.64 pts vs state
-4.17Rate spread (pts)-4.41 pts vs state
$116kMedian applicant income
469Loans originated
221Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 597 | 322 | 30.2% | 5.75% | #45 |
| 2024 | 713 | 395 | 30.7% | 4.99% | #43 |
| 2025 | 811 | 469 | 27.3% | 2.99% | #41 |
What Chartway Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Chartway Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 273 | 156 | 64 | 23.4% |
| Washington County | 244 | 144 | 72 | 29.5% |
| Tooele County | 126 | 81 | 25 | 19.8% |
| Utah County | 49 | 26 | 17 | 34.7% |
| Iron County | 38 | 25 | 10 | 26.3% |
| Davis County | 30 | 12 | 15 | 50.0% |
| Weber County | 14 | 9 | 4 | 28.6% |
| Wasatch County | 8 | 5 | 1 | 12.5% |
| Cache County | 7 | 2 | 3 | 42.9% |
| Beaver County | 4 | 3 | 1 | 25.0% |
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: 811 applications in 2025, of which 469 were originated and 221 denied.
27.3% of all applications, or 30.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Chartway Federal Credit Union originated in Utah in 2025 was 2.99%, against a statewide median of 6.63%.
About this data. Figures are Chartway 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