Security Service Federal Credit Union in Utah vs the state
21.4%Denial rate+5.42 pts vs state
26.6%Decision denial rate+7.39 pts vs state
58.3%Origination rate-4.96 pts vs state
6.99%Median rate+0.37 pts vs state
-0.20Rate spread (pts)-0.44 pts vs state
$125kMedian applicant income
507Loans originated
186Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,671 | 1,076 | 14.5% | 6.13% | #16 |
| 2024 | 1,029 | 676 | 13.5% | 7.49% | #30 |
| 2025 | 870 | 507 | 21.4% | 6.99% | #38 |
What Security Service Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Security Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 316 | 180 | 72 | 22.8% |
| Salt Lake County | 300 | 174 | 67 | 22.3% |
| Washington County | 62 | 34 | 12 | 19.4% |
| Davis County | 55 | 33 | 9 | 16.4% |
| Weber County | 41 | 26 | 8 | 19.5% |
| Summit County | 31 | 19 | 2 | 6.5% |
| Wasatch County | 15 | 10 | 3 | 20.0% |
| Tooele County | 13 | 8 | 3 | 23.1% |
| Sanpete County | 6 | 3 | 3 | 50.0% |
| Iron County | 6 | 5 | 1 | 16.7% |
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: 870 applications in 2025, of which 507 were originated and 186 denied.
21.4% of all applications, or 26.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Security Service Federal Credit Union originated in Utah in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Security Service 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