MEMBERS FIRST CREDIT UNION
MEMBERS FIRST CREDIT UNION received 41 applications in 2025 and made 38 mortgages, in 4 counties across 2 states. The median rate its borrowers got was 7.740% on a median loan of $60,000. Of 41 decisions, 3 were denials — 7.3%, most often for credit history.
| Legal Entity Identifier | 54930032YM5T2EF3J715 |
|---|---|
| Applications received | 41 |
| Mortgages made | 38 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.81 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 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 10 | 8.365% | $70,000 | 9.1% |
| Cash-out refinancing | 13 | 7.490% | $55,000 | 7.1% |
| Other purposes | 12 | 7.615% | $55,000 | 7.7% |
Where MEMBERS FIRST CREDIT UNION lends most
The 4 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Box Elder County, UT | 31 | 7.740% | 8.8% |
| Weber County, UT | 5 | Under 10 loans | 0.0% |
| Fremont County, ID | 1 | Under 10 loans | 0.0% |
| Cache County, UT | 1 | Under 10 loans | 0.0% |
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When MEMBERS FIRST 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.