Deseret First Credit Union
Deseret First Credit Union received 1,045 applications in 2025 and made 839 mortgages, in 85 counties across 26 states. The median rate its borrowers got was 7.500% on a median loan of $135,000. Of 981 decisions, 132 were denials — 13.5%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900FFZUXK3B729T97 |
|---|---|
| Applications received | 1,045 |
| Mortgages made | 839 |
| Denied | 132 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 64 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.119 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 | 122 | 6.375% | $400,000 | 7.5% |
| Refinancing | 57 | 7.250% | $215,000 | 7.4% |
| Cash-out refinancing | 53 | 6.500% | $265,000 | 11.1% |
| Other purposes | 607 | 7.500% | $105,000 | 15.3% |
Where Deseret First Credit Union lends most
The 50 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 | 280 | 7.500% | 14.1% |
| Utah County, UT | 171 | 7.500% | 12.2% |
| Davis County, UT | 144 | 7.500% | 13.5% |
| Washington County, UT | 47 | 7.500% | 11.3% |
| Cache County, UT | 37 | 7.500% | 15.9% |
| Weber County, UT | 29 | 7.500% | 18.9% |
| Tooele County, UT | 19 | 7.500% | 4.8% |
| Box Elder County, UT | 8 | Under 10 loans | 11.1% |
| Sanpete County, UT | 7 | Under 10 loans | 12.5% |
| Pinal County, AZ | 5 | Under 10 loans | 0.0% |
| Wasatch County, UT | 5 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 4 | Under 10 loans | 0.0% |
| Rich County, UT | 4 | Under 10 loans | 0.0% |
| Summit County, UT | 4 | Under 10 loans | 20.0% |
| Duchesne County, UT | 3 | Under 10 loans | 25.0% |
| Iron County, UT | 3 | Under 10 loans | 0.0% |
| Juab County, UT | 3 | Under 10 loans | 25.0% |
| Kern County, CA | 2 | Under 10 loans | 0.0% |
| Douglas County, CO | 2 | Under 10 loans | 0.0% |
| Ada County, ID | 2 | Under 10 loans | 0.0% |
| Bonneville County, ID | 2 | Under 10 loans | 0.0% |
| Franklin County, ID | 2 | Under 10 loans | 0.0% |
| Madison County, ID | 2 | Under 10 loans | 0.0% |
| Carbon County, UT | 2 | Under 10 loans | 0.0% |
| Millard County, UT | 2 | Under 10 loans | 0.0% |
| Morgan County, UT | 2 | Under 10 loans | 0.0% |
| Sevier County, UT | 2 | Under 10 loans | 33.3% |
| Uintah County, UT | 2 | Under 10 loans | 33.3% |
| Coconino County, AZ | 1 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Navajo County, AZ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 50.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Bear Lake County, ID | 1 | Under 10 loans | 0.0% |
| Bingham County, ID | 1 | Under 10 loans | 0.0% |
| Fremont County, ID | 1 | Under 10 loans | 0.0% |
| Gooding County, ID | 1 | Under 10 loans | 0.0% |
| Jefferson County, ID | 1 | Under 10 loans | 0.0% |
| Oneida County, ID | 1 | Under 10 loans | 0.0% |
| Porter County, IN | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Lenawee County, MI | 1 | Under 10 loans | 0.0% |
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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.