GRANITE FEDERAL CREDIT UNION
GRANITE FEDERAL CREDIT UNION received 460 applications in 2025 and made 252 mortgages, in 22 counties across 6 states. The median rate its borrowers got was 6.183% on a median loan of $175,000. Of 356 decisions, 75 were denials — 21.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300JAEP0DFO79JO70 |
|---|---|
| Applications received | 460 |
| Mortgages made | 252 |
| Denied | 75 |
| Approved, not taken up | 29 |
| Withdrawn or incomplete | 104 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.96 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 | 52 | 6.500% | $375,000 | 16.4% |
| Refinancing | 19 | 6.750% | $405,000 | 11.5% |
| Cash-out refinancing | 110 | 5.500% | $120,000 | 17.5% |
| Other purposes | 71 | 5.500% | $65,000 | 30.0% |
Where GRANITE FEDERAL CREDIT UNION lends most
The 22 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 | 186 | 6.063% | 21.5% |
| Utah County, UT | 23 | 5.990% | 20.0% |
| Davis County, UT | 12 | 4.995% | 10.5% |
| Tooele County, UT | 9 | Under 10 loans | 10.0% |
| Cache County, UT | 3 | Under 10 loans | 40.0% |
| Wasatch County, UT | 3 | Under 10 loans | 0.0% |
| Washington County, UT | 3 | Under 10 loans | 33.3% |
| Millard County, UT | 2 | Under 10 loans | 0.0% |
| Summit County, UT | 2 | Under 10 loans | 0.0% |
| Weber County, UT | 2 | Under 10 loans | 50.0% |
| Cochise County, AZ | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Ada County, ID | 1 | Under 10 loans | 0.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| Sanpete County, UT | 1 | Under 10 loans | 0.0% |
| Uintah County, UT | 1 | Under 10 loans | 0.0% |
| Bear Lake County, ID | 0 | Under 10 loans | Not published |
| Box Elder County, UT | 0 | Under 10 loans | 100.0% |
| Iron County, UT | 0 | Under 10 loans | Not published |
| Kane County, UT | 0 | Under 10 loans | Not published |
| Morgan County, UT | 0 | Under 10 loans | 100.0% |
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When GRANITE FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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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.