Deseret First Credit Union mortgage approval rate & lending review
Deseret First Credit Union decided 1,407 mortgage applications and funded 1,236 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Deseret First Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Deseret First Credit Union at a glance
Approval is 20.1 points above the 69.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 248 / 259 | 97% | $405K | 241 |
| Home improvement loans | 88% | 748 / 849 | 100% | $105K | 748 |
| Cash-out refinance | 91% | 119 / 131 | 94% | $245K | 112 |
| Refinance | 88% | 98 / 111 | 96% | $195K | 94 |
Deseret First Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 89% | $105K | 1,307 | 1,148 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Deseret First Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Salt Lake County, UT | Home improvement loans | 88% | 352 | 310 |
| Utah County, UT | Home improvement loans | 87% | 205 | 178 |
| Davis County, UT | Home improvement loans | 91% | 143 | 130 |
| Washington County, UT | Home improvement loans | 85% | 55 | 47 |
| Davis County, UT | Mortgage lenders | 98% | 46 | 44 |
| Cache County, UT | Home improvement loans | 93% | 44 | 41 |
| Salt Lake County, UT | Cash-out refinance | 86% | 50 | 41 |
| Salt Lake County, UT | Refinance | 85% | 34 | 28 |
| Utah County, UT | Refinance | 96% | 25 | 24 |
| Utah County, UT | Cash-out refinance | 89% | 27 | 22 |
| Weber County, UT | Home improvement loans | 91% | 23 | 21 |
| Davis County, UT | Cash-out refinance | 92% | 25 | 20 |
The county markets where Deseret First Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Deseret First Credit Union
What is Deseret First Credit Union's mortgage approval rate?
Deseret First Credit Union approved 89.2% of the 1,407 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 20.1 points above the 69.1% national rate for the same mix of loan types.
How often do borrowers take the loan Deseret First Credit Union offers?
Borrowers accepted 98% of the loans Deseret First Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Deseret First Credit Union make?
The typical home improvement loan loan Deseret First Credit Union made was $105K; across all loan types its typical loan ran from $105K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Deseret First Credit Union lend?
Deseret First Credit Union decided applications in 30 of the states Fat Boy Data covers, most of them in Utah, Arizona and California.
Can I apply to Deseret First Credit Union directly?
Yes. Deseret First Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Deseret First Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Deseret First Credit Union treats applications, then get a rate quote from the lender.