# CYPRUS Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/cyprus-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CYPRUS Federal Credit Union is a credit union, headquartered in West Jordan, UT, with 161 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300HS714PZ0BMPN11
- **Headquarters:** West Jordan, UT
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** UT
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.040%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,333
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 161
- **Dollar Volume:** $66 million
- **Applications Received:** 291
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $412,143
- **Average Borrower Income:** $138,317
- **Average Property Value:** $575,994

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 144 | +0.038% | $3,282 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 99 loans, Score: 39/100 (Acceptable)
- Refinance: 45 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 111 | $48M | -0.003% | Acceptable 🙂 |
| Refinance | 52/100 | 50 | $18M | +0.121% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 161 | 0.36% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Salt Lake City | UT | 89 | 75/100 |
| Provo | UT | 40 | 65/100 |
| Ogden, UT | UT | 19 | 55/100 |
| Non |  | 11 | 25/100 |

## Where This Lender Ranks

CYPRUS Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Utah for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#5** in Provo Credit Unions
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Provo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Utah Credit Unions
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Utah for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#6** in Salt Lake City Credit Unions
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Ogden, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Utah for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Salt Lake City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does CYPRUS Federal Credit Union offer?

CYPRUS Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CYPRUS Federal Credit Union offer mortgages?

CYPRUS Federal Credit Union offers mortgages in 1 states: UT.

### How competitive are CYPRUS Federal Credit Union's mortgage rates?

CYPRUS Federal Credit Union has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.040% above market average.

### What type of lender is CYPRUS Federal Credit Union?

CYPRUS Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in West Jordan, UT.

### What is CYPRUS Federal Credit Union's loan approval success rate?

CYPRUS Federal Credit Union has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cyprus-federal-credit-union

### How to Cite

> "CYPRUS Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cyprus-federal-credit-union

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