# Mountain America Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/mountain-america-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


Mountain America Federal Credit Union is a credit union, headquartered in Sandy, UT, serving borrowers across 10 states, with 1,854 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 54% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493006S869XKIESMV41
- **Headquarters:** Sandy, UT
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AZ, CO, ID, MT, NM, NV, OR, UT, WA, WY
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.119%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,374
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,854
- **Dollar Volume:** $684 million
- **Applications Received:** 3,814
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $368,943
- **Average Borrower Income:** $132,715
- **Average Property Value:** $553,786

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 1,554 | -0.039% | $3,229 | Strong 😀 |
| FHA | 71/100 | 186 | -0.400% | $3,892 | Strong 😀 |
| VA | 66/100 | 47 | -0.932% | $4,005 | Strong 😀 |
| Jumbo | 76/100 | 63 | +0.508% | $5,253 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,033 loans, Score: 72/100 (Strong)
- Refinance: 521 loans, Score: 80/100 (Exceptional)

**FHA:**
- Purchase: 141 loans, Score: 66/100 (Strong)
- Refinance: 45 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 35 loans, Score: 64/100 (Strong)

**Jumbo:**
- Purchase: 57 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 1,270 | $543M | -0.218% | Strong 😀 |
| Refinance | 80/100 | 584 | $141M | +0.013% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 1,236 | 2.75% | 92/100 |
| ID | 247 | 0.92% | 73/100 |
| AZ | 152 | 0.15% | 66/100 |
| NV | 91 | 0.23% | 65/100 |
| NM | 37 | 0.18% | 55/100 |
| MT | 22 | 0.21% | 49/100 |
| CO | 19 | 0.02% | 43/100 |
| WA | 14 | 0.02% | 40/100 |
| OR | 11 | 0.03% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 455 | 71/100 |
| Salt Lake City | UT | 443 | 89/100 |
| Provo | UT | 171 | 78/100 |
| Ogden, UT | UT | 148 | 79/100 |
| Phoenix | AZ | 114 | 64/100 |
| St. George, UT | UT | 110 | 82/100 |
| Boise City, ID | ID | 105 | 68/100 |
| Las Vegas | NV | 72 | 64/100 |
| Idaho Falls, ID | ID | 46 | 68/100 |
| Logan, UT | UT-ID | 38 | 67/100 |
| Pocatello, ID | ID | 20 | 53/100 |
| Albuquerque, NM | NM | 19 | 48/100 |
| Reno, NV | NV | 15 | 46/100 |
| Twin Falls, ID | ID | 13 | 46/100 |
| Lake Havasu City | AZ | 11 | 43/100 |

## Where This Lender Ranks

Mountain America Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Utah for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Utah for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Salt Lake City for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Salt Lake City for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Provo for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Provo for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Ogden, UT for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** 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)
- 🥇 **#1** in St. George, UT for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Logan, UT for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Utah Credit Unions
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Utah for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Utah for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Salt Lake City Credit Unions
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions)
- 🥈 **#2** 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)
- 🥈 **#2** in Idaho for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Provo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Las Vegas for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/las-vegas/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Idaho Falls, ID Credit Unions
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Idaho Falls, ID for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/credit-unions/fha-loans)

## Frequently Asked Questions

### What loan types does Mountain America Federal Credit Union offer?

Mountain America Federal Credit Union offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Mountain America Federal Credit Union offer mortgages?

Mountain America Federal Credit Union offers mortgages in 10 states: AZ, CO, ID, MT, NM, NV, OR, UT, WA, WY.

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

Mountain America Federal Credit Union has a pricing score of 46/100 (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 Mountain America Federal Credit Union?

Mountain America Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Sandy, UT.

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

Mountain America Federal Credit Union has a pull-through score of 53/100 (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/mountain-america-federal-credit-union

### How to Cite

> "Mountain America Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mountain-america-federal-credit-union

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