Deseret First Credit Union in Utah vs the state
12.7%Denial rate-3.25 pts vs state
13.5%Decision denial rate-5.67 pts vs state
80.7%Origination rate+17.49 pts vs state
7.50%Median rate+0.88 pts vs state
-0.09Rate spread (pts)-0.33 pts vs state
$130kMedian applicant income
775Loans originated
122Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 678 | 557 | 14.3% | 8.00% | #38 |
| 2024 | 797 | 644 | 14.4% | 7.99% | #39 |
| 2025 | 960 | 775 | 12.7% | 7.50% | #35 |
What Deseret First Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Deseret First Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 345 | 280 | 46 | 13.3% |
| Utah County | 212 | 171 | 24 | 11.3% |
| Davis County | 183 | 144 | 23 | 12.6% |
| Washington County | 58 | 47 | 6 | 10.3% |
| Cache County | 45 | 37 | 7 | 15.6% |
| Weber County | 38 | 29 | 7 | 18.4% |
| Tooele County | 21 | 19 | 1 | 4.8% |
| Box Elder County | 9 | 8 | 1 | 11.1% |
| Sanpete County | 8 | 7 | 1 | 12.5% |
| Wasatch County | 5 | 5 | 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: 960 applications in 2025, of which 775 were originated and 122 denied.
12.7% of all applications, or 13.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Deseret First Credit Union originated in Utah in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Deseret First 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