CYPRUS Federal Credit Union
CYPRUS Federal Credit Union received 1,801 applications in 2025 and made 1,104 mortgages, in 27 counties across 3 states. The median rate its borrowers got was 4.990% on a median loan of $115,000. Of 1,583 decisions, 479 were denials — 30.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300HS714PZ0BMPN11 |
|---|---|
| Applications received | 1,801 |
| Mortgages made | 1,104 |
| Denied | 479 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 218 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.31 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 160 | 6.490% | $415,000 | 13.0% |
| Refinancing | 22 | 6.464% | $450,000 | 29.0% |
| Cash-out refinancing | 363 | 4.990% | $125,000 | 22.1% |
| Other purposes | 559 | 4.990% | $85,000 | 38.0% |
Where CYPRUS Federal Credit Union lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Salt Lake County, UT | 738 | 4.990% | 27.2% |
| Utah County, UT | 148 | 4.990% | 39.8% |
| Tooele County, UT | 59 | 4.990% | 43.8% |
| Davis County, UT | 54 | 5.058% | 21.7% |
| Washington County, UT | 30 | 5.620% | 18.9% |
| Weber County, UT | 15 | 6.375% | 37.5% |
| Wasatch County, UT | 12 | 5.620% | 14.3% |
| Sanpete County, UT | 8 | Under 10 loans | 0.0% |
| Summit County, UT | 7 | Under 10 loans | 36.4% |
| Box Elder County, UT | 6 | Under 10 loans | 40.0% |
| Cache County, UT | 5 | Under 10 loans | 37.5% |
| Morgan County, UT | 4 | Under 10 loans | 33.3% |
| Sevier County, UT | 4 | Under 10 loans | 33.3% |
| Iron County, UT | 3 | Under 10 loans | 25.0% |
| Juab County, UT | 3 | Under 10 loans | 40.0% |
| Duchesne County, UT | 2 | Under 10 loans | 33.3% |
| Kane County, UT | 2 | Under 10 loans | 33.3% |
| Carbon County, UT | 1 | Under 10 loans | 0.0% |
| Millard County, UT | 1 | Under 10 loans | 0.0% |
| San Juan County, UT | 1 | Under 10 loans | 0.0% |
| Uintah County, UT | 1 | Under 10 loans | 66.7% |
| Volusia County, FL | 0 | Under 10 loans | 100.0% |
| Teton County, ID | 0 | Under 10 loans | 100.0% |
| Emery County, UT | 0 | Under 10 loans | 100.0% |
| Garfield County, UT | 0 | Under 10 loans | Not published |
| Grand County, UT | 0 | Under 10 loans | 100.0% |
| Rich County, UT | 0 | Under 10 loans | Not published |
Get told when this changes
When CYPRUS Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.