Applications / Mortgage Analytics / Lenders / Utah / Deseret First Credit Union
West Valley City, UT · Credit union · NCUA · $1.2 billion assets · 839 loans in 2025
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839
loans originated, 2025
1,058
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Deseret First Credit Union is a Utah credit union whose lending is mostly home-improvement and other-purpose loans, and its originations rose 21% in 2025, faster than similar lenders and the whole market.
Originations rose 21% to 839, against 8% for the typical similar lender (credit unions making between half and twice as many loans) and 10% for the whole market, faster than about three-quarters of them. The rise follows a drop from 1,386 loans in 2022 to 606 in 2023, so 2025 is still below the 972 of five years earlier.
Home improvement accounts for 39.7% of its loans and other purposes for 32.7%, with purchases at 14.5% and refinances at 13.1%, all conventional. Its typical loan, $135,000, is larger than the $105,000 of similar lenders.
It ranks 38 of 308 in Ogden, 46 of 319 in Provo-Orem-Lehi and 54 of 363 in Salt Lake City-Murray, with shares of 0.5% or less. In St. George its share fell to 0.4% from 0.6%, which could reflect a quieter year for its lending there or faster growth by other lenders. United Wholesale Mortgage leads three of these four markets.
Of its loans, 8.7% were in low- and moderate-income (LMI) tracts, against 15.1% at similar lenders, among the lowest tenth; LMI borrowers took 20.2%, against 27.7%. One possible explanation is the mix of neighbourhoods in the Utah markets where most of its lending is.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Deseret First Credit Union took 1,058 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.7% · Other 32.7% · Purchase 14.5% · Refinance 13.1%
Conventional 100.0% · of 839 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 | 775 | 92.4% |
| Idaho | 14 | 1.7% |
| Arizona | 13 | 1.5% |
| California | 8 | 1.0% |
| Missouri | 4 | 0.5% |
| Colorado | 3 | 0.4% |
| Texas | 3 | 0.4% |
| Virginia | 3 | 0.4% |
| Florida | 2 | 0.2% |
| New Mexico | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salt Lake City-Murray | 299 |
| Ogden | 175 |
| Provo-Orem-Lehi | 174 |
| St. George | 47 |
| Logan | 39 |
| Phoenix-Mesa-Chandler | 9 |
| Arlington-Alexandria-Reston | 3 |
| Houston-Pasadena-The Woodlands | 3 |
| Idaho Falls | 3 |
| Bakersfield-Delano | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FFZUXK3B729T97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 467890 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524708 | 2004–2017 |
Established 1 January 1955. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Deseret First Credit Union's data.
Deseret First Credit Union's data
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