# Deseret First Credit Union

> **Canonical URL:** https://saferate.com/lenders/deseret-first-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


Deseret First Credit Union is a credit union, headquartered in West Valley City, UT, serving borrowers across 18 states, with 163 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900FFZUXK3B729T97
- **Headquarters:** West Valley City, UT
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AR, AZ, CA, FL, ID, IL, MO, NC, NH, NM, OH, OK, OR, RI, SC, TX, UT, VA
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99%
- **Brokered/Wholesale:** 1%

## Safe Rate Ratings

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

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.119%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,759
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 163
- **Dollar Volume:** $64 million
- **Applications Received:** 192
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $391,626
- **Average Borrower Income:** $156,687
- **Average Property Value:** $630,644

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 156 | -0.122% | $3,711 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 91 loans, Score: 38/100 (Acceptable)
- Refinance: 65 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 95 | $39M | -0.110% | Acceptable 🙂 |
| Refinance | 53/100 | 68 | $25M | -0.136% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 131 | 0.29% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Ogden, UT | UT | 41 | 67/100 |
| Salt Lake City | UT | 34 | 62/100 |
| Provo | UT | 21 | 55/100 |
| Non |  | 17 | 31/100 |
| St. George, UT | UT | 16 | 55/100 |
| Logan, UT | UT-ID | 10 | 47/100 |

## Where This Lender Ranks

Deseret First Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Utah Credit Unions
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Ogden, UT Credit Unions
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Salt Lake City Credit Unions
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Provo Credit Unions
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Utah for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Provo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in St. George, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Logan, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Ogden, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** 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)
- 🏆 **#6** in Utah for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#14** in Ogden, UT
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders)
- 🏆 **#16** in Salt Lake City
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders)
- 🏆 **#20** in Utah
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Deseret First Credit Union offer?

Deseret First 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 Deseret First Credit Union offer mortgages?

Deseret First Credit Union offers mortgages in 18 states: AR, AZ, CA, FL, ID, IL, MO, NC, NH, NM, OH, OK, OR, RI, SC, TX, UT, VA.

### How competitive are Deseret First Credit Union's mortgage rates?

Deseret First Credit Union has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.119% below market average.

### What type of lender is Deseret First Credit Union?

Deseret First Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in West Valley City, UT.

### What is Deseret First Credit Union's loan approval success rate?

Deseret First Credit Union has a pull-through score of 63/100 (Strong). 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/deseret-first-credit-union

### How to Cite

> "Deseret First Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/deseret-first-credit-union

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