What loan types does University First Federal Credit Union offer?

University First Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does University First Federal Credit Union offer mortgages?

University First Federal Credit Union offers mortgages in 1 states: UT.

How competitive are University First Federal Credit Union's mortgage rates?

University First Federal Credit Union has an overall pricing score of 47/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is University First Federal Credit Union?

University First Federal Credit Union is a Credit Union headquartered in Salt Lake City, UT.

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University First Federal Credit Union

Credit Union•Salt Lake City, UTHQ•Direct•Reviews near you on Google

University First Federal Credit Union has 132 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Explore another lender or local market

Report Card

University First Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+10.0 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

126 loans · 0.10% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

75 loans · 0.02% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

57 loans · 0.22% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Acceptable	126	95.5%	+0.097%Above	$3,066Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume126

Mix95.5%

Spread

+0.097%Above

Fees

$3,066Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	75	56.8%	+0.021%Above	$4,184Fees
Refinance	Strong	Sound	Strong	Strong	57	43.2%	+0.220%Above	$1,441Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume75

Mix56.8%

Spread

+0.021%Above

Fees

$4,184Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume57

Mix43.2%

Spread

+0.220%Above

Fees

$1,441Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

132

Applications

252

Volume

$48 million

Pricing & Closing

Avg Rate Spread

+0.100%

vs. market APOR

Avg Net Fees

$3,096

Origination − Credits

Pullthrough Rate

52.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$368,712

Avg Borrower Income

$160,765

Avg Property Value

$634,318

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

West1

Top Metro Areas by Place Specialization Score

Salt Lake City, UTMetro

Volume 92Mix 69.70% of portfolio

76/100

Strong

Ogden, UTMetro

Volume 16Mix 12.12% of portfolio

53/100

Sound

Top States by Place Specialization Score

UtahState

Volume 132Mix 100.00% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.