CYPRUS Federal Credit Union in Utah vs the state
26.5%Denial rate+10.55 pts vs state
30.2%Decision denial rate+10.99 pts vs state
61.4%Origination rate-1.87 pts vs state
4.99%Median rate-1.63 pts vs state
0.31Rate spread (pts)+0.07 pts vs state
$121kMedian applicant income
1,104Loans originated
477Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,793 | 1,016 | 30.6% | 8.00% | #15 |
| 2024 | 1,840 | 1,060 | 29.6% | 6.49% | #15 |
| 2025 | 1,799 | 1,104 | 26.5% | 4.99% | #16 |
What CYPRUS Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most CYPRUS Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 1,146 | 738 | 276 | 24.1% |
| Utah County | 283 | 148 | 98 | 34.6% |
| Tooele County | 113 | 59 | 46 | 40.7% |
| Davis County | 85 | 54 | 15 | 17.6% |
| Washington County | 43 | 30 | 7 | 16.3% |
| Weber County | 29 | 15 | 9 | 31.0% |
| Wasatch County | 17 | 12 | 2 | 11.8% |
| Summit County | 14 | 7 | 4 | 28.6% |
| Box Elder County | 12 | 6 | 4 | 33.3% |
| Cache County | 9 | 5 | 3 | 33.3% |
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: 1,799 applications in 2025, of which 1,104 were originated and 477 denied.
26.5% of all applications, or 30.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans CYPRUS Federal Credit Union originated in Utah in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are CYPRUS 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