# UTAH COMMUNITY FEDERAL CREDIT UNION

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

UTAH COMMUNITY FEDERAL CREDIT UNION is a credit union, headquartered in Provo, UT, with 311 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BOLK89ZL7BNX85
- **Headquarters:** Provo, UT
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** UT
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

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

### Pricing Details
- **Average Rate Spread:** -0.030%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,613
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 311
- **Dollar Volume:** $140 million
- **Applications Received:** 654
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $450,016
- **Average Borrower Income:** $162,450

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 277 | -0.021% | $2,518 | Strong 😀 |
| FHA | 54/100 | 18 | -0.097% | $3,647 | Sound ☺️ |
| Jumbo | 64/100 | 14 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 215 loans, Score: 57/100 (Sound)
- Refinance: 62 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 247 | $117M | +0.014% | Sound ☺️ |
| Refinance | 62/100 | 64 | $23M | -0.161% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 311 | 0.69% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Provo | UT | 232 | 88/100 |
| Non |  | 41 | 42/100 |
| Salt Lake City | UT | 22 | 54/100 |
| Ogden, UT | UT | 11 | 45/100 |

## Frequently Asked Questions

### What loan types does UTAH COMMUNITY FEDERAL CREDIT UNION offer?

UTAH COMMUNITY FEDERAL CREDIT UNION offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UTAH COMMUNITY FEDERAL CREDIT UNION offer mortgages?

UTAH COMMUNITY FEDERAL CREDIT UNION offers mortgages in 1 states: UT.

### How competitive are UTAH COMMUNITY FEDERAL CREDIT UNION's mortgage rates?

UTAH COMMUNITY FEDERAL CREDIT UNION has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.030% below market average.

### What type of lender is UTAH COMMUNITY FEDERAL CREDIT UNION?

UTAH COMMUNITY FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Provo, UT.

### What is UTAH COMMUNITY FEDERAL CREDIT UNION's loan approval success rate?

UTAH COMMUNITY FEDERAL CREDIT UNION 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/utah-community-federal-credit-union

### How to Cite

> "UTAH COMMUNITY FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/utah-community-federal-credit-union

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