What loan types does Utah Power Federally Insured State-Chartered Credit Union offer?

Utah Power Federally Insured State-Chartered Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

What type of lender is Utah Power Federally Insured State-Chartered Credit Union?

Utah Power Federally Insured State-Chartered Credit Union is a Credit Union headquartered in Salt Lake City, UT.

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Utah Power Federally Insured State-Chartered Credit Union

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

Utah Power Federally Insured State-Chartered Credit Union has 56 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

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 1 mkts

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Utah Power Federally Insured State-Chartered Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 44.4 bps below market avg

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

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 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	Sound	54	96.4%	-0.441%Below	$3,097Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume54

Mix96.4%

Spread

-0.441%Below

Fees

$3,097Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Acceptable	28	50.0%	-0.356%Below	$3,493Fees
Refinance	Sound	Acceptable	Sound	Strong	28	50.0%	-0.500%Below	$2,839Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume28

Mix50.0%

Spread

-0.356%Below

Fees

$3,493Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Strong

Volume28

Mix50.0%

Spread

-0.500%Below

Fees

$2,839Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$19 million

Pricing & Closing

Avg Rate Spread

-0.444%

vs. market APOR

Avg Net Fees

$3,095

Origination − Credits

Pullthrough Rate

82.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$339,464

Avg Borrower Income

$153,232

Avg Property Value

$510,179

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

Midwest2

NDOH

South2

NCTX

West6

COIDORUTWAWY

Top Metro Areas by Place Specialization Score

Salt Lake City, UTMetro

Volume 12Mix 21.43% of portfolio

51/100

Sound

Top States by Place Specialization Score

UtahState

Volume 41Mix 73.21% of portfolio

63/100

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.

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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.