Mostly refinancing
Refinances made up 76.6% of its loans and purchases 23.4%. With so much of its lending in refinancing, its volume may rise and fall with borrowers' demand to refinance.
Applications / Mortgage Analytics / Lenders / Utah / Jordan Credit Union
Jordan Credit Union
South Jordan, UT · Credit union · NCUA · $414 million assets · 47 loans in 2025
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47
loans originated, 2025
54
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jordan Credit Union, a Utah lender that mostly refinances, made 74% more loans in 2025 after three thin years.
A rebound from a low base
It made 47 loans in 2025, up from 27, while similar lenders (credit unions making between half and twice as many loans) grew 4% and the whole market 10%. Its growth was higher than at about nine in ten of them. It made 30 or fewer in each of the three years before. Five years before, when its typical rate was 2.88%, it made 142.
Bigger loans, fewer modest borrowers
Its typical loan was $295,000, against $95,000 at similar lenders, but it was $65,000 the year before, so one year's mix moves it a lot. Low- and moderate-income borrowers took 12.8% of its loans, against 31.0%, lower than at about nine in ten. Larger loans are one possible reason; how lasting the shift is, only later years will tell.
A lower rate
Its typical rate was 6.12%, against 6.75% at similar lenders, lower than at more than four in five. In Salt Lake City-Murray, its largest market, it ranks 122 of 363 lenders.
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
47 loans in 2025, against a peak of 142 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jordan Credit Union took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
76.6% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 76.6% · Purchase 23.4%
Conventional 100.0% · of 47 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, 5 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Utah | 47 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Salt Lake City-Murray | 37 |
| Provo-Orem-Lehi | 4 |
| St. George | 2 |
| Logan | 1 |
| Ogden | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DBE56TS8LE1K36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 308498 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524698 | 2004–2017 |
Established 1 January 1950. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Jordan Credit Union's data.
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