Service Federal Credit Union in Utah vs the state
40.0%Denial rate+24.04 pts vs state
40.0%Decision denial rate+20.82 pts vs state
60.0%Origination rate-3.24 pts vs state
6.49%Median rate-0.13 pts vs state
-0.84Rate spread (pts)-1.08 pts vs state
$160kMedian applicant income
3Loans originated
2Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 8 | 10.0% | 3.99% | #267 |
| 2024 | 5 | 1 | 60.0% | 6.49% | #324 |
| 2025 | 5 | 3 | 40.0% | 6.49% | #343 |
What 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 Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 2 | 0 | 2 | 100.0% |
| Davis County | 1 | 1 | 0 | 0.0% |
| Weber County | 1 | 1 | 0 | 0.0% |
| Tooele 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: 5 applications in 2025, of which 3 were originated and 2 denied.
40.0% of all applications, or 40.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Service Federal Credit Union originated in Utah in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are 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