University First Federal Credit Union
University First Federal Credit Union received 1,652 applications in 2025 and made 979 mortgages, in 38 counties across 14 states. The median rate its borrowers got was 4.990% on a median loan of $125,000. Of 1,391 decisions, 347 were denials — 25.0%, most often for debt-to-income ratio. 73 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493000KQ2PZ8G6VNI80 |
|---|---|
| Applications received | 1,652 |
| Mortgages made | 979 |
| Denied | 347 |
| Approved, not taken up | 65 |
| Withdrawn or incomplete | 261 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.29 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 | 108 | 6.000% | $310,000 | 12.1% |
| Refinancing | 145 | 4.990% | $165,000 | 19.9% |
| Cash-out refinancing | 158 | 7.740% | $105,000 | 13.2% |
| Other purposes | 568 | 4.990% | $105,000 | 30.4% |
Where University First Federal Credit Union lends most
The 38 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 | 696 | 4.990% | 21.8% |
| Utah County, UT | 103 | 4.990% | 31.3% |
| Davis County, UT | 69 | 4.990% | 27.6% |
| Washington County, UT | 39 | 4.990% | 25.9% |
| Summit County, UT | 22 | 4.990% | 11.5% |
| Weber County, UT | 17 | 4.990% | 33.3% |
| Tooele County, UT | 9 | Under 10 loans | 40.0% |
| Iron County, UT | 5 | Under 10 loans | 16.7% |
| Wasatch County, UT | 5 | Under 10 loans | 28.6% |
| Cache County, UT | 2 | Under 10 loans | 40.0% |
| Morgan County, UT | 2 | Under 10 loans | 33.3% |
| Rich County, UT | 2 | Under 10 loans | 0.0% |
| Box Elder County, UT | 1 | Under 10 loans | 66.7% |
| Carbon County, UT | 1 | Under 10 loans | 0.0% |
| Kane County, UT | 1 | Under 10 loans | 0.0% |
| Millard County, UT | 1 | Under 10 loans | 0.0% |
| Piute County, UT | 1 | Under 10 loans | 0.0% |
| Sanpete County, UT | 1 | Under 10 loans | 0.0% |
| Uintah County, UT | 1 | Under 10 loans | 50.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| Orange County, CA | 0 | Under 10 loans | 100.0% |
| Santa Clara County, CA | 0 | Under 10 loans | 100.0% |
| Tuolumne County, CA | 0 | Under 10 loans | 100.0% |
| Hillsborough County, FL | 0 | Under 10 loans | 100.0% |
| Cobb County, GA | 0 | Under 10 loans | 100.0% |
| Gwinnett County, GA | 0 | Under 10 loans | 100.0% |
| Fremont County, ID | 0 | Under 10 loans | 100.0% |
| Madison County, ID | 0 | Under 10 loans | 100.0% |
| Montgomery County, MD | 0 | Under 10 loans | 100.0% |
| Barnstable County, MA | 0 | Under 10 loans | 100.0% |
| St. Louis County, MO | 0 | Under 10 loans | 100.0% |
| Clark County, NV | 0 | Under 10 loans | 100.0% |
| Johnston County, NC | 0 | Under 10 loans | 100.0% |
| Delaware County, OH | 0 | Under 10 loans | 100.0% |
| Jasper County, TX | 0 | Under 10 loans | 100.0% |
| Duchesne County, UT | 0 | Under 10 loans | Not published |
| San Juan County, UT | 0 | Under 10 loans | 100.0% |
| Monongalia County, WV | 0 | Under 10 loans | 100.0% |
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When University First 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.