What loan types does Utah First offer?

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

Where does Utah First offer mortgages?

Utah First offers mortgages in 6 states: AZ, ID, NV, TN, UT, WY.

What type of lender is Utah First?

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

Unclaimed

Utah First

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

Utah First has 64 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

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 4 mkts

Explore another lender or local market

Report Card

Utah First performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	—	Sound	57	89.1%	-0.833%Below	$0Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume57

Mix89.1%

Spread

-0.833%Below

Fees

$0Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	—	Sound	33	51.6%	-0.833%Below	$0Fees
Refinance	Sound	Sound	—	Strong	31	48.4%	—	—

Purchase

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume33

Mix51.6%

Spread

-0.833%Below

Fees

$0Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume31

Mix48.4%

Spread—

Fees—

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$30 million

Pricing & Closing

Pullthrough Rate

83.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$470,625

Avg Borrower Income

$312,391

Avg Property Value

$740,625

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South1

West5

AZIDNVUTWY

Top Metro Areas by Place Specialization Score

Salt Lake City, UTMetro

Volume 18Mix 28.12% of portfolio

56/100

Sound

St. George, UTMetro

Volume 13Mix 20.31% of portfolio

55/100

Sound

Ogden, UTMetro

Volume 11Mix 17.19% of portfolio

50/100

Sound

Provo, UTMetro

Volume 10Mix 15.62% of portfolio

48/100

Sound

Top States by Place Specialization Score

UtahState

Volume 57Mix 89.06% of portfolio

66/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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.

Looking for a different lender?

Are you the owner of Utah First?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.