Looking for a different lender?
D
Deseret First Credit Union
Credit Union|West Valley City, UT|Multi-Region
Loans Originated
163
Applications
192
Volume
$63 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.119%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,759
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
84.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
Deseret First Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 6 metro areas · 18 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$391,626
Average Borrower Income
$156,687
Average Property Value
$630,644
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Strong | 156 | 95.7% | -0.122% | $3,711 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Acceptable | Sound | 95 | 58.3% | -0.110% | $4,308 |
Refinance | Strong | Sound | Strong | Strong | 68 | 41.7% | -0.136% | $2,722 |
Geographic Coverage
Metro Areas
5
States Served
18
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARAZCAFLIDILMONCNHNMOHOKORRISCTXUTVA
Top Metro Areas by Place Specialization Score
1
Ogden, UT, UTMSA
Volume: 41Mix: 25.15%
Place Specialization
Strong
2
Salt Lake City, UTMSA
Volume: 34Mix: 20.86%
Place Specialization
Strong
3
Provo, UTMSA
Volume: 21Mix: 12.88%
Place Specialization
Sound
4
St. George, UT, UTMSA
Volume: 16Mix: 9.82%
Place Specialization
Sound
5
Logan, UT, UT-IDMSA
Volume: 10Mix: 6.13%
Place Specialization
Sound
Top States by Place Specialization Score
1
UTState
Volume: 131Mix: 80.37%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare Deseret First Credit Union with other lenders or get personalized recommendations.