Applications / Mortgage Analytics / Lenders / Utah / Wasatch Peaks Federal Credit Union
Ogden, UT · Credit union · NCUA · $632 million assets · 43 loans in 2025
Wasatch Peaks Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
43
loans originated, 2025
47
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wasatch Peaks Federal Credit Union of Ogden, Utah, is a refinance lender whose home lending fell 39% in 2025, to 43 loans, while similar credit unions grew.
Refinances made up 74.4% of its loans, other purposes 18.6% and home purchases only 7.0%. Its typical loan was $125,000, larger than the $95,000 at similar lenders, credit unions making between half and twice as many loans. Every loan was conventional, with no government backing.
Its loans dropped from 71 to 43, while similar credit unions grew 3% and the whole market 10%. The fall was steeper than at more than nine in ten of its peers. A lender built on refinancing depends on borrowers' appetite to refinance more than on home sales, which may explain much of it.
It has lent in Ogden since 1991 and holds 0.1% of that market, down from 0.2%, ranking 94th of 308. United Wholesale Mortgage and America First Federal Credit Union lead there. Fewer loans would by themselves shrink its share. Borrowers with low or moderate incomes (LMI) took 37.5% of its loans, higher than at about two-thirds of similar credit unions.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wasatch Peaks Federal Credit Union took 47 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 74.4% · Other 18.6% · Purchase 7.0%
Conventional 100.0% · of 43 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 | 42 | 97.7% |
| Idaho | 1 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ogden | 37 |
| Provo-Orem-Lehi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008CBS11KBKU4Z95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 601694 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562453 | 1991–2005 |
| Respondent ID (the HMDA filer code before 2018) | 524780 | 2006–2017 |
Established 1 January 1930. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Wasatch Peaks Federal Credit Union's data.
Wasatch Peaks Federal Credit Union's data
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Wasatch Peaks 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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