# UTAH FIRST

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


> **📋 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


UTAH FIRST is a credit union, headquartered in Salt Lake City, UT, serving borrowers across 6 states, with 64 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300DEVPMBR765WH45
- **Headquarters:** Salt Lake City, UT
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AZ, ID, NV, TN, UT, WY
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 64
- **Dollar Volume:** $30 million
- **Applications Received:** 77
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $470,625
- **Average Borrower Income:** $312,391
- **Average Property Value:** $740,625

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 57 | -0.833% | $0 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 27 loans, Score: 27/100 (Acceptable)
- Refinance: 30 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 30/100 | 33 | $18M | -0.833% | Acceptable 🙂 |
| Refinance | 41/100 | 31 | $12M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 57 | 0.13% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Salt Lake City | UT | 18 | 56/100 |
| St. George, UT | UT | 13 | 55/100 |
| Ogden, UT | UT | 11 | 50/100 |
| Provo | UT | 10 | 48/100 |

## Where This Lender Ranks

UTAH FIRST appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** 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)

## Frequently Asked Questions

### What loan types does UTAH FIRST offer?

UTAH FIRST offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UTAH FIRST offer mortgages?

UTAH FIRST offers mortgages in 6 states: AZ, ID, NV, TN, UT, WY.

### What type of lender is UTAH FIRST?

UTAH FIRST is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Salt Lake City, UT.

### What is UTAH FIRST's loan approval success rate?

UTAH FIRST has a pull-through score of 47/100 (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/utah-first

### How to Cite

> "UTAH FIRST Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/utah-first

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**[View Interactive Profile →](https://saferate.com/lenders/utah-first)**