# Utah Power Federally Insured State-Chartered Credit Union

> **Canonical URL:** https://saferate.com/lenders/utah-power-federally-insured-state-chartered-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


Utah Power Federally Insured State-Chartered Credit Union is a credit union, headquartered in Salt Lake City, UT, serving borrowers across 10 states, with 56 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 44% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TTK5T7CZ3UJ084
- **Headquarters:** Salt Lake City, UT
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** CO, ID, NC, ND, OH, OR, TX, UT, WA, WY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

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

### Pricing Details
- **Average Rate Spread:** -0.444%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,095
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 56
- **Dollar Volume:** $19 million
- **Applications Received:** 68
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $339,464
- **Average Borrower Income:** $153,232
- **Average Property Value:** $510,179

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 24/100 | 54 | -0.441% | $3,097 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 27 loans, Score: 20/100 (Mediocre)
- Refinance: 27 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 21/100 | 28 | $10M | -0.356% | Acceptable 🙂 |
| Refinance | 37/100 | 28 | $9M | -0.500% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 41 | 0.09% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 31 | 46/100 |
| Salt Lake City | UT | 12 | 51/100 |

## Frequently Asked Questions

### What loan types does Utah Power Federally Insured State-Chartered Credit Union offer?

Utah Power Federally Insured State-Chartered 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 Utah Power Federally Insured State-Chartered Credit Union offer mortgages?

Utah Power Federally Insured State-Chartered Credit Union offers mortgages in 10 states: CO, ID, NC, ND, OH, OR, TX, UT, WA, WY.

### How competitive are Utah Power Federally Insured State-Chartered Credit Union's mortgage rates?

Utah Power Federally Insured State-Chartered Credit Union has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.444% below market average.

### What type of lender is Utah Power Federally Insured State-Chartered Credit Union?

Utah Power Federally Insured State-Chartered Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Salt Lake City, UT.

### What is Utah Power Federally Insured State-Chartered Credit Union's loan approval success rate?

Utah Power Federally Insured State-Chartered Credit Union has a pull-through score of 46/100 (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-power-federally-insured-state-chartered-credit-union

### How to Cite

> "Utah Power Federally Insured State-Chartered Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/utah-power-federally-insured-state-chartered-credit-union

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