Applications / Mortgage Analytics / Lenders / Utah / Cyprus Federal Credit Union
West Jordan, UT · Credit union · NCUA · $1.9 billion assets · 1,104 loans in 2025
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1,104
loans originated, 2025
1,801
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cyprus Federal Credit Union is a Utah credit union whose lending leans to refinance, home-improvement and other-purpose loans, and its 1,104 originations rose 4%, slower than the 9% at similar lenders.
Home purchases were 14.5% of its originations; other-purpose loans were 35.3%, refinances 34.9% and home improvement 15.3%. Its typical loan was $115,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans).
Its typical rate was 4.99%, down from 6.49% the year before and against 7.00% at similar lenders, among the lowest tenth. Its higher-priced share (a rate well above the average for similar loans) was 2.4%, near the middle of its peers at 1.5%.
It ranked 18 of 363 lenders in Salt Lake City-Murray, where it has lent since before 1990, with a 1.2% share, unchanged; United Wholesale Mortgage and Rocket Mortgage led. In St. George its share rose 0.2 points to 0.3%, ranking 58 of 261.
LMI (low- and moderate-income) borrowers took 29.8% of its loans, against 27.3% at similar lenders. LMI areas took 13.9%, against 15.1%, and majority-minority areas 7.2%, against 10.0%, both lower than about three in five peers. One possible reason is its markets: all its lending is in Utah, across 21 counties. Jumbo loans (larger than the conforming limit) were 5.4%, against 1.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cyprus Federal Credit Union took 1,801 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 35.3% · Refinance 34.9% · Home improvement 15.3% · Purchase 14.5%
Conventional 97.6% · FHA 2.1% · VA 0.4% · of 1,104 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 | 1,104 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salt Lake City-Murray | 797 |
| Provo-Orem-Lehi | 151 |
| Ogden | 73 |
| St. George | 30 |
| Logan | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HS714PZ0BMPN11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 347590 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524688 | 2004–2017 |
Established 1 January 1935. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Cyprus Federal Credit Union's data.
Cyprus Federal Credit Union's data
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Cyprus 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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