Firefighters First Federal Credit Union in Utah vs the state
23.5%Denial rate+7.57 pts vs state
30.8%Decision denial rate+11.59 pts vs state
52.9%Origination rate-10.30 pts vs state
6.00%Median rate-0.63 pts vs state
-0.38Rate spread (pts)-0.62 pts vs state
$203kMedian applicant income
9Loans originated
4Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 10 | 0.0% | 8.19% | #253 |
| 2024 | 13 | 9 | 7.7% | 6.50% | #258 |
| 2025 | 17 | 9 | 23.5% | 6.00% | #250 |
What Firefighters First Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Firefighters First Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wasatch County | 4 | 1 | 1 | 25.0% |
| Washington County | 3 | 2 | 1 | 33.3% |
| Salt Lake County | 2 | 2 | 0 | 0.0% |
| Davis County | 2 | 1 | 1 | 50.0% |
| Iron County | 2 | 1 | 1 | 50.0% |
| Utah County | 2 | 1 | 0 | 0.0% |
| Weber County | 1 | 1 | 0 | 0.0% |
| Summit County | 1 | 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: 17 applications in 2025, of which 9 were originated and 4 denied.
23.5% 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 Firefighters First Federal Credit Union originated in Utah in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Firefighters First 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