UTAH COMMUNITY FEDERAL CREDIT UNION
UTAH COMMUNITY FEDERAL CREDIT UNION received 2,584 applications in 2025 and made 1,549 mortgages, in 36 counties across 7 states. The median rate its borrowers got was 6.990% on a median loan of $155,000. Of 2,306 decisions, 422 were denials — 18.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300BOLK89ZL7BNX85 |
|---|---|
| Applications received | 2,584 |
| Mortgages made | 1,549 |
| Denied | 422 |
| Approved, not taken up | 335 |
| Withdrawn or incomplete | 278 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.01 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 | 197 | 6.500% | $395,000 | 15.6% |
| Refinancing | 700 | 6.990% | $155,000 | 15.2% |
| Cash-out refinancing | 43 | 6.625% | $325,000 | 18.0% |
| Other purposes | 609 | 6.990% | $95,000 | 21.7% |
Where UTAH COMMUNITY FEDERAL CREDIT UNION lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Utah County, UT | 1,113 | 6.990% | 17.2% |
| Salt Lake County, UT | 200 | 6.990% | 24.7% |
| Wasatch County, UT | 62 | 6.750% | 19.4% |
| Juab County, UT | 45 | 6.990% | 16.4% |
| Davis County, UT | 23 | 6.990% | 15.0% |
| Washington County, UT | 20 | 6.933% | 8.0% |
| Summit County, UT | 18 | 6.990% | 13.0% |
| Tooele County, UT | 13 | 7.000% | 11.1% |
| Sanpete County, UT | 12 | 6.865% | 6.3% |
| Weber County, UT | 9 | Under 10 loans | 40.0% |
| Cache County, UT | 7 | Under 10 loans | 22.2% |
| Box Elder County, UT | 5 | Under 10 loans | 0.0% |
| Iron County, UT | 5 | Under 10 loans | 16.7% |
| Carbon County, UT | 4 | Under 10 loans | 0.0% |
| Duchesne County, UT | 2 | Under 10 loans | 0.0% |
| Millard County, UT | 2 | Under 10 loans | 50.0% |
| Sevier County, UT | 2 | Under 10 loans | 0.0% |
| Uintah County, UT | 2 | Under 10 loans | 0.0% |
| Daggett County, UT | 1 | Under 10 loans | 0.0% |
| Garfield County, UT | 1 | Under 10 loans | 0.0% |
| Morgan County, UT | 1 | Under 10 loans | 50.0% |
| Rich County, UT | 1 | Under 10 loans | 0.0% |
| Wayne County, UT | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| Pinal County, AZ | 0 | Under 10 loans | 100.0% |
| Alameda County, CA | 0 | Under 10 loans | Not published |
| San Bernardino County, CA | 0 | Under 10 loans | 0.0% |
| Sherburne County, MN | 0 | Under 10 loans | 100.0% |
| Daviess County, MO | 0 | Under 10 loans | 100.0% |
| Jasper County, MO | 0 | Under 10 loans | Not published |
| Cuyahoga County, OH | 0 | Under 10 loans | Not published |
| Fort Bend County, TX | 0 | Under 10 loans | 100.0% |
| Harris County, TX | 0 | Under 10 loans | 100.0% |
| Beaver County, UT | 0 | Under 10 loans | Not published |
| Grand County, UT | 0 | Under 10 loans | Not published |
| Kane County, UT | 0 | Under 10 loans | Not published |
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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.