Members First Credit Union in Utah vs the state
7.5%Denial rate-8.46 pts vs state
7.5%Decision denial rate-11.68 pts vs state
92.5%Origination rate+29.26 pts vs state
7.74%Median rate+1.12 pts vs state
1.85Rate spread (pts)+1.61 pts vs state
$97kMedian applicant income
37Loans originated
3Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 63 | 9.3% | 6.99% | #135 |
| 2024 | 64 | 52 | 12.5% | 7.74% | #152 |
| 2025 | 40 | 37 | 7.5% | 7.74% | #190 |
What Members First Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Members First Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Box Elder County | 34 | 31 | 3 | 8.8% |
| Weber County | 5 | 5 | 0 | 0.0% |
| Cache 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: 40 applications in 2025, of which 37 were originated and 3 denied.
7.5% of all applications, or 7.5% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Members First Credit Union originated in Utah in 2025 was 7.74%, against a statewide median of 6.63%.
About this data. Figures are Members 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