Credit Human Federal Credit Union in Utah vs the state
52.5%Denial rate+36.50 pts vs state
52.5%Decision denial rate+33.28 pts vs state
21.3%Origination rate-41.93 pts vs state
8.40%Median rate+1.78 pts vs state
2.75Rate spread (pts)+2.51 pts vs state
$61kMedian applicant income
13Loans originated
32Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 248 | 48 | 70.6% | 8.75% | #82 |
| 2024 | 140 | 32 | 59.3% | 8.95% | #108 |
| 2025 | 61 | 13 | 52.5% | 8.40% | #159 |
What Credit Human Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Weber County | 16 | 7 | 5 | 31.3% |
| Salt Lake County | 11 | 2 | 6 | 54.5% |
| San Juan County | 6 | 1 | 5 | 83.3% |
| Utah County | 5 | 1 | 3 | 60.0% |
| Tooele County | 5 | 1 | 4 | 80.0% |
| Davis County | 5 | 1 | 1 | 20.0% |
| Washington County | 4 | 0 | 4 | 100.0% |
| Cache County | 2 | 0 | 1 | 50.0% |
| Grand County | 2 | 0 | 2 | 100.0% |
| Uintah County | 2 | 0 | 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: 61 applications in 2025, of which 13 were originated and 32 denied.
52.5% of all applications, or 52.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Credit Human Federal Credit Union originated in Utah in 2025 was 8.40%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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