Utah Power Federally Insured State-Chartered Credit Union in Utah vs the state
1.9%Denial rate-14.07 pts vs state
2.0%Decision denial rate-17.19 pts vs state
93.2%Origination rate+29.94 pts vs state
6.50%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.12 pts vs state
$110kMedian applicant income
246Loans originated
5Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 277 | 229 | 5.8% | 7.00% | #73 |
| 2024 | 119 | 106 | 4.2% | 6.43% | #117 |
| 2025 | 264 | 246 | 1.9% | 6.50% | #87 |
What Utah Power Federally Insured State-Chartered Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Utah Power Federally Insured State-Chartered Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carbon County | 95 | 88 | 3 | 3.2% |
| Emery County | 52 | 50 | 1 | 1.9% |
| Salt Lake County | 47 | 44 | 1 | 2.1% |
| Utah County | 14 | 13 | 0 | 0.0% |
| Uintah County | 11 | 11 | 0 | 0.0% |
| Weber County | 8 | 7 | 0 | 0.0% |
| Washington County | 7 | 7 | 0 | 0.0% |
| Davis County | 6 | 5 | 0 | 0.0% |
| Sanpete County | 5 | 5 | 0 | 0.0% |
| Iron County | 4 | 3 | 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: 264 applications in 2025, of which 246 were originated and 5 denied.
1.9% of all applications, or 2.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Utah Power Federally Insured State-Chartered Credit Union originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Utah Power Federally Insured State-Chartered 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