Utah Power Federally Insured State-Chartered Credit Union
Utah Power Federally Insured State-Chartered Credit Union received 327 applications in 2025 and made 298 mortgages, in 51 counties across 15 states. The median rate its borrowers got was 6.500% on a median loan of $125,000. Of 304 decisions, 6 were denials — 2.0%, most often for credit history.
| Legal Entity Identifier | 549300TTK5T7CZ3UJ084 |
|---|---|
| Applications received | 327 |
| Mortgages made | 298 |
| Denied | 6 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.355 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 | 72 | 6.000% | $305,000 | 4.0% |
| Refinancing | 36 | 5.688% | $280,000 | 5.3% |
| Cash-out refinancing | 19 | 6.000% | $235,000 | 0.0% |
| Other purposes | 171 | 7.000% | $65,000 | 0.6% |
Where Utah Power Federally Insured State-Chartered 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 |
|---|---|---|---|
| Carbon County, UT | 88 | 6.500% | 3.3% |
| Emery County, UT | 50 | 6.500% | 2.0% |
| Salt Lake County, UT | 44 | 6.500% | 2.2% |
| Sweetwater County, WY | 16 | 6.495% | 0.0% |
| Utah County, UT | 13 | 7.000% | 0.0% |
| Uintah County, UT | 11 | 6.625% | 0.0% |
| Washington County, UT | 7 | Under 10 loans | 0.0% |
| Weber County, UT | 7 | Under 10 loans | 0.0% |
| Davis County, UT | 5 | Under 10 loans | 0.0% |
| Sanpete County, UT | 5 | Under 10 loans | 0.0% |
| Lincoln County, WY | 5 | Under 10 loans | 0.0% |
| Iron County, UT | 3 | Under 10 loans | 0.0% |
| Morgan County, UT | 3 | Under 10 loans | 0.0% |
| Natrona County, WY | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Mesa County, CO | 2 | Under 10 loans | 0.0% |
| Beaver County, UT | 2 | Under 10 loans | 0.0% |
| Box Elder County, UT | 2 | Under 10 loans | 0.0% |
| Cache County, UT | 2 | Under 10 loans | 0.0% |
| Uinta County, WY | 2 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Tulare County, CA | 1 | Under 10 loans | 0.0% |
| Rio Blanco County, CO | 1 | Under 10 loans | 0.0% |
| Bear Lake County, ID | 1 | Under 10 loans | 0.0% |
| Franklin County, ID | 1 | Under 10 loans | 0.0% |
| Fremont County, ID | 1 | Under 10 loans | 0.0% |
| Gem County, ID | 1 | Under 10 loans | 0.0% |
| Cumberland County, ME | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Lander County, NV | 1 | Under 10 loans | 0.0% |
| Clatsop County, OR | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Yamhill County, OR | 1 | Under 10 loans | 0.0% |
| Lancaster County, SC | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Duchesne County, UT | 1 | Under 10 loans | 0.0% |
| Sevier County, UT | 1 | Under 10 loans | 0.0% |
| Summit County, UT | 1 | Under 10 loans | 0.0% |
| Tooele County, UT | 1 | Under 10 loans | 0.0% |
| Spokane County, WA | 1 | Under 10 loans | 0.0% |
| Campbell County, WY | 1 | Under 10 loans | 0.0% |
| Converse County, WY | 1 | Under 10 loans | 0.0% |
| Laramie County, WY | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 0 | Under 10 loans | Not published |
| Daviess County, MO | 0 | Under 10 loans | Not published |
| Eddy County, NM | 0 | Under 10 loans | Not published |
| Lubbock County, TX | 0 | Under 10 loans | 100.0% |
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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.