Utah Power Federally Insured State-Chartered Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
87th2.3% deniedPricingmedian rate spread over APOR, weight 30%
39th0.36 ptsProcesswithdrawn + incomplete share, weight 15%
68th7.9%Closing coststotal loan costs ÷ loan amount, weight 10%
6th4.58% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 358 | 298 | 5.0% | 5.6% | 6.94% | $44M |
| 2024 | 157 | 136 | 3.2% | 3.6% | 6.49% | $25M |
| 2025 | 331 | 298 | 2.1% | 2.3% | 6.50% | $57M |
What Utah Power Federally Insured State-Chartered Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 26 home-equity lines, 0 reverse mortgages, 13 manufactured homes, 16 investment properties.
Why Utah Power Federally Insured State-Chartered Credit Union denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Utah Power Federally Insured State-Chartered Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 24 | 18 | 18.2% |
| $50k – $100k | 101 | 90 | 2.2% |
| $100k – $150k | 118 | 107 | 0.9% |
| $150k – $250k | 68 | 66 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 70 | 59 | 4.8% |
| 35–44 | 87 | 80 | 2.4% |
| 45–54 | 90 | 84 | 1.2% |
| 55–64 | 30 | 25 | 0.0% |
| 65–74 | 33 | 31 | 0.0% |
Where Utah Power Federally Insured State-Chartered Credit Union lends
16 states and 50 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Utah Power Federally Insured State-Chartered Credit Union denied 2.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 87th percentile of small mortgage lenders.
The most common reason Utah Power Federally Insured State-Chartered Credit Union gave in 2025 was "credit history", cited on 57.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Utah Power Federally Insured State-Chartered Credit Union originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.36 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 27% of its applications were for home purchases, 19% for refinancing (including cash-out), and 54% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.