Applications / Mortgage Analytics / Lenders / Utah / Utah First Credit Union
Salt Lake City, UT · Credit union · NCUA · $1.1 billion assets · 1,001 loans in 2025
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1,001
loans originated, 2025
1,615
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Utah First Credit Union lends mostly other-purpose and home-improvement loans in Utah, and its 1,001 originations in 2025 rose 29%, faster than most similar credit unions.
Its originations rose 29% from 776, against 8% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, faster than more than four in five of them. Five years before it made 559 loans; dollar volume rose to $177.2 million from $67.3 million over that time.
Other purposes were 45.4% of its loans and home improvement 36.2%; refinance was 11.1% and home purchase 7.4%. All of its loans were conventional, and its typical loan of $105,000 matches similar lenders'.
Its share rose to 0.6% from 0.5% in Salt Lake City-Murray (37 of 363 lenders) and in St. George (32 of 261), and held at 0.5% in Provo-Orem-Lehi and Ogden.
Low- and moderate-income (LMI) borrowers took 17.4% of its loans, against 27.8%, lower than nearly nine in ten similar lenders, and LMI areas 9.3%, against 15.0%, lower than more than nine in ten. Its mix of home-improvement and other-purpose loans, and the markets it serves, are possible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 First Credit Union took 1,615 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 45.4% · Home improvement 36.2% · Refinance 11.1% · Purchase 7.4%
Conventional 100.0% · of 1,001 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 | 994 | 99.3% |
| Nevada | 3 | 0.3% |
| Arizona | 1 | 0.1% |
| Colorado | 1 | 0.1% |
| Missouri | 1 | 0.1% |
| Wyoming | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salt Lake City-Murray | 452 |
| Provo-Orem-Lehi | 229 |
| Ogden | 181 |
| St. George | 87 |
| Logan | 9 |
| Las Vegas-Henderson-North Las Vegas | 3 |
| Denver-Aurora-Centennial | 1 |
| Kansas City | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DEVPMBR765WH45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 734976 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5528 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Utah First Credit Union's data.
Utah First Credit Union's data
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Utah First 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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