Utah Community Federal Credit Union in Utah vs the state
16.1%Denial rate+0.17 pts vs state
18.1%Decision denial rate-1.12 pts vs state
60.2%Origination rate-3.04 pts vs state
6.99%Median rate+0.37 pts vs state
-0.01Rate spread (pts)-0.25 pts vs state
$141kMedian applicant income
1,549Loans originated
415Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,704 | 1,567 | 11.9% | 7.24% | #9 |
| 2024 | 2,612 | 1,535 | 9.3% | 6.99% | #10 |
| 2025 | 2,573 | 1,549 | 16.1% | 6.99% | #11 |
What Utah Community Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Utah Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 1,812 | 1,113 | 280 | 15.5% |
| Salt Lake County | 368 | 200 | 80 | 21.7% |
| Wasatch County | 104 | 62 | 19 | 18.3% |
| Juab County | 68 | 45 | 10 | 14.7% |
| Davis County | 49 | 23 | 6 | 12.2% |
| Washington County | 32 | 20 | 2 | 6.3% |
| Summit County | 25 | 18 | 3 | 12.0% |
| Weber County | 20 | 9 | 6 | 30.0% |
| Sanpete County | 19 | 12 | 1 | 5.3% |
| Tooele County | 18 | 13 | 2 | 11.1% |
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: 2,573 applications in 2025, of which 1,549 were originated and 415 denied.
16.1% of all applications, or 18.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Utah Community Federal Credit Union originated in Utah in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Utah Community 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