Applications / Mortgage Analytics / Lenders / Utah / Utah Community Federal Credit Union
Provo, UT · Credit union · NCUA · $3.7 billion assets · 1,549 loans in 2025
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1,549
loans originated, 2025
2,584
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Utah Community Federal Credit Union is a Utah-only lender that mostly refinances and lends for home improvement, with purchase loans just 12.7% of its originations, and it ranked 9 of 319 lenders in Provo-Orem-Lehi.
Refinance made up 48.0% of its originations and home improvement 38.9%, against 12.7% purchase. Its typical loan was $155,000, against $115,000 at similar lenders (credit unions making between half and twice as many loans), and jumbo loans (larger than the conforming limit) were 4.7%, higher than at about three in four peers (1.2%).
Originations were 1,549, against 1,535 the year before; they were 4,337 in 2020. All its lending was in Utah: 5 metros and 23 counties. It ranked 9 of 319 in Provo-Orem-Lehi, where it has lent since before 1990, and 39 of 363 in Salt Lake City-Murray.
LMI (low- and moderate-income) borrowers took 19.3% of its loans, lower than at four in five peers (27.0%). LMI areas took 8.6% and majority-minority areas 0.6%, both among the lowest of its peers (15.3% and 11.0%). One possible reason is the makeup of the Utah areas it serves, led by Provo-Orem-Lehi and Salt Lake City-Murray.
None of its loans were higher-priced (a rate well above the average for similar loans), against 1.5% at peers, and its typical rate, 6.99%, was near the middle (7.00%).
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Utah Community Federal Credit Union took 2,584 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.0% · Home improvement 38.9% · Purchase 12.7% · Other 0.4%
Conventional 99.7% · FHA 0.3% · of 1,549 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Utah | 1,549 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Provo-Orem-Lehi | 1,158 |
| Salt Lake City-Murray | 213 |
| Ogden | 33 |
| St. George | 20 |
| Logan | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BOLK89ZL7BNX85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 186883 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510709 | 1990–2017 |
Established 1 January 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Utah Community Federal Credit Union's data.
Utah Community Federal Credit Union's data
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Utah Community Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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