# University First Federal Credit Union

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

University First Federal Credit Union is a credit union, headquartered in Salt Lake City, UT, with 132 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493000KQ2PZ8G6VNI80
- **Headquarters:** Salt Lake City, UT
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** UT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.100%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,096
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 132
- **Dollar Volume:** $49 million
- **Applications Received:** 252
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $368,712
- **Average Borrower Income:** $160,765

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 126 | +0.097% | $3,066 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 72 loans, Score: 36/100 (Acceptable)
- Refinance: 54 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 75 | $33M | +0.021% | Acceptable 🙂 |
| Refinance | 55/100 | 57 | $16M | +0.220% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 132 | 0.29% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Salt Lake City | UT | 92 | 76/100 |
| Ogden, UT | UT | 16 | 53/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.100% above market average.

### What type of lender is University First Federal Credit Union?

University First Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Salt Lake City, UT.

### What is University First Federal Credit Union's loan approval success rate?

University First Federal Credit Union has a pull-through score of 41/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/university-first-federal-credit-union

### How to Cite

> "University First Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/university-first-federal-credit-union

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