Utilities Employees Credit Union in Connecticut vs the state
33.3%Denial rate+15.93 pts vs state
33.3%Decision denial rate+11.74 pts vs state
66.7%Origination rate+6.29 pts vs state
7.00%Median rate+0.38 pts vs state
1.72Rate spread (pts)+1.48 pts vs state
$104kMedian applicant income
4Loans originated
2Denied
Trend in Connecticut
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 5 | 33.3% | 7.25% | #361 |
| 2024 | 6 | 3 | 16.7% | 8.00% | #415 |
| 2025 | 6 | 4 | 33.3% | 7.00% | #417 |
What Utilities Employees Credit Union lends in Connecticut
By loan purpose
By loan type
Why it denied Connecticut applicants
Other large lenders in Connecticut
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,043 | 16.5% | 6.75% |
| Citizens Bank | C | 4,895 | 26.2% | 7.40% |
| Bank of America | F | 4,591 | 32.1% | 6.00% |
| United Shore Financial Services | B | 4,239 | 13.7% | 6.50% |
| Total Mortgage Services | B | 4,219 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 4,030 | 31.8% | 5.99% |
| Liberty Bank | A | 3,513 | 9.5% | 5.99% |
| Webster Bank | C | 2,762 | 21.9% | 6.74% |
| Newrez | D | 2,556 | 21.8% | 6.88% |
| AMERICAN EAGLE FINANCIAL Credit Union | D | 2,463 | 18.9% | 7.75% |
Frequently asked questions
Connecticut: 6 applications in 2025, of which 4 were originated and 2 denied.
33.3% of all applications, or 33.3% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.
The median rate on loans Utilities Employees Credit Union originated in Connecticut in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Utilities Employees Credit Union's own HMDA filing for properties located in Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology