Applications / Mortgage Analytics / Lenders / Utah / Members First Credit Union
Brigham City, UT · Credit union · NCUA · $200 million assets · 38 loans in 2025
Members First Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
38
loans originated, 2025
41
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members First Credit Union, of Brigham City, Utah, is a small lender of refinances and home-improvement loans with a slight presence in northern Utah's markets.
Refinances made up 60.5% of its 38 loans in 2025 and home improvement 26.3%; purchases were 7.9%. Its typical loan was $60,000, against $85,000 at similar lenders (credit unions making between half and twice as many loans). Its typical rate, 7.74%, was above the 6.75% of peers, which those smaller, non-purchase loans may explain.
It ranks 273 of 308 lenders in Ogden and 175 of 176 in Logan, with shares that round to 0.0%. United Wholesale Mortgage leads both markets. With 38 loans spread over four counties in two states, it is a small presence wherever it lends.
It made 14 loans in 2020, filed no report for 2021 or 2022, then made 65 in 2023, 52 in 2024 and 38 in 2025. The missing years are gaps in the record, not years without lending. Its loans fell 27% in 2025 while similar lenders grew 1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Members First Credit Union took 41 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.5% · Home improvement 26.3% · Purchase 7.9% · Other 5.3%
Conventional 100.0% · of 38 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 | 37 | 97.4% |
| Idaho | 1 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ogden | 5 |
| Logan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930032YM5T2EF3J715 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 448693 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567153 | 2014–2017 |
Established 1 January 1958. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Members First Credit Union's data.
Members First Credit Union's data
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Members 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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