Delta Community Credit Union in Utah vs the state
22.0%Denial rate+5.99 pts vs state
28.1%Decision denial rate+8.95 pts vs state
56.1%Origination rate-7.14 pts vs state
7.00%Median rate+0.38 pts vs state
-0.16Rate spread (pts)-0.40 pts vs state
$190kMedian applicant income
23Loans originated
9Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 21 | 23.8% | 7.50% | #162 |
| 2024 | 49 | 27 | 30.6% | 7.63% | #163 |
| 2025 | 41 | 23 | 22.0% | 7.00% | #189 |
What Delta Community Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Delta Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 25 | 16 | 4 | 16.0% |
| Davis County | 5 | 2 | 2 | 40.0% |
| Summit County | 4 | 2 | 2 | 50.0% |
| Morgan County | 2 | 1 | 0 | 0.0% |
| Wasatch County | 2 | 0 | 1 | 50.0% |
| Cache County | 1 | 1 | 0 | 0.0% |
| Utah County | 1 | 0 | 0 | 0.0% |
| Weber 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: 41 applications in 2025, of which 23 were originated and 9 denied.
22.0% of all applications, or 28.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Delta Community Credit Union originated in Utah in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Delta Community 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