Applications / Mortgage Analytics / Lenders / Utah / American United Federal Credit Union
West Jordan, UT · Credit union · NCUA · $381 million assets · 109 loans in 2025
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109
loans originated, 2025
249
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American United Federal Credit Union, a Utah lender, rarely finances a home purchase: most of its loans are for other purposes or refinancing, and it made 29% fewer of them in 2025.
Other purposes made up 61.5% of its loans, refinances 33.9% and home purchases only 4.6%. Every loan was conventional. Its typical loan was $105,000, the same as at similar lenders, credit unions making between half and twice as many loans. Five years before it was $225,000.
Its typical rate was 7.50%, against 6.75% at peers, higher than at about four in five of them. That is down from 8.50% in 2024. Its share of higher-priced loans (a rate well above the average for similar loans) fell to 3.7% from 10.0%, near the middle of its peers. Its mix of other-purpose loans is one possible reason for the higher rate.
Its loans fell 29%, from 154 to 109, while peers grew 8% and the whole market 10%. More than nine in ten peers fared better. Its dollar volume fell to $14.8 million from $24.4 million. It made 215 loans in 2022.
It has lent in Salt Lake City-Murray since 1990, and ranked 138 of 363 there. Its share slipped to 0.1%, which may simply reflect its smaller count. United Wholesale Mortgage led the market. Poorer neighborhoods (low- and moderate-income tracts) took 17.4% of its loans, near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American United Federal Credit Union took 249 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 61.5% · Refinance 33.9% · Purchase 4.6%
Conventional 100.0% · of 109 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 | 99 | 90.8% |
| California | 7 | 6.4% |
| Arizona | 1 | 0.9% |
| Idaho | 1 | 0.9% |
| Nevada | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salt Lake City-Murray | 71 |
| Provo-Orem-Lehi | 10 |
| Ogden | 8 |
| Riverside-San Bernardino-Ontario | 5 |
| St. George | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| Idaho Falls | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| Los Angeles-Long Beach-Glendale | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FJHIE3T5GJRI39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 515287 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58187 | 2005–2017 |
Established 1 January 1952. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: American United Federal Credit Union's data.
American United Federal Credit Union's data
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American United 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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