New to the record
2025 is its first year in the public HMDA record, so there is no earlier year to compare. Its 61 loans and $9.2 million lent put it near the middle of similar lenders (credit unions making between half and twice as many loans).
Applications / Mortgage Analytics / Lenders / Utah / Alpine Credit Union
Alpine Credit Union
Orem, UT · Credit union · NCUA · 61 loans in 2025
Alpine Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
61
loans originated, 2025
66
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alpine Credit Union, a Utah lender that first reported in 2025, lends mostly to people who already own their homes; three in four of its 61 loans were for home improvement or other purposes.
Small loans to owners
Other-purpose loans were 39.3% of its lending and home improvement 36.1%; purchases were only 13.1%. All were conventional. That mix goes with a small typical loan, $65,000, smaller than at about four in five similar lenders, where it was $95,000.
Rooted in Provo
It lent in four Utah counties. In Provo-Orem-Lehi, UT it ranked 104 of 319 lenders, with 0.1%; United Wholesale Mortgage and First Colony Mortgage led. It had only a small presence in Salt Lake City-Murray and St. George.
Borrowers near the middle
Some 29.5% of its loans went to low- and moderate-income (LMI) borrowers, near the middle of similar lenders, and 14.8% were in LMI areas. None were in majority-minority areas, against 9.7% at similar lenders. Its lending is confined to four counties, where such areas may be few.
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, 2025–2025
61 loans in 2025, its most in any year since 2025.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alpine Credit Union took 66 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
39.3% of its 2025 loans were other loans; all were conventional loans.
Other 39.3% · Home improvement 36.1% · Purchase 13.1% · Refinance 11.5%
Conventional 100.0% · of 61 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
1 state, 3 metros, 4 counties
| State | Loans | Share |
|---|---|---|
| Utah | 61 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Provo-Orem-Lehi | 56 |
| Salt Lake City-Murray | 2 |
| St. George | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QGEOVPON4RPMO4 | 2025–2025 |
Established date not on record. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Alpine Credit Union's data.
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