First Technology Federal Credit Union in Utah vs the state
15.4%Denial rate-0.58 pts vs state
18.2%Decision denial rate-1.00 pts vs state
53.9%Origination rate-9.39 pts vs state
7.88%Median rate+1.25 pts vs state
0.73Rate spread (pts)+0.49 pts vs state
$162kMedian applicant income
28Loans originated
8Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 7 | 30.8% | 9.50% | #242 |
| 2024 | 22 | 10 | 22.7% | 8.31% | #216 |
| 2025 | 52 | 28 | 15.4% | 7.88% | #168 |
What First Technology Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most First Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 19 | 12 | 1 | 5.3% |
| Utah County | 16 | 7 | 3 | 18.8% |
| Davis County | 5 | 4 | 0 | 0.0% |
| Summit County | 4 | 1 | 2 | 50.0% |
| Wasatch County | 3 | 1 | 2 | 66.7% |
| Rich County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Millard County | 1 | 0 | 0 | 0.0% |
| Iron County | 1 | 1 | 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: 52 applications in 2025, of which 28 were originated and 8 denied.
15.4% of all applications, or 18.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans First Technology Federal Credit Union originated in Utah in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are First Technology 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