Utah Community Federal Credit Union mortgage approval rate & lending review
Utah Community Federal Credit Union decided 5,718 mortgage applications and funded 4,036 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Utah Community Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Utah Community Federal Credit Union at a glance
Approval is 13.7 points above the 70.9% 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 | 85% | 591 / 699 | 93% | $405K | 548 |
| Home improvement loans | 83% | 2,355 / 2,844 | 78% | $75K | 1,837 |
| Cash-out refinance | 80% | 132 / 165 | 79% | $255K | 104 |
| Refinance | 87% | 1,644 / 1,881 | 87% | $155K | 1,434 |
| Investment property purchase | 91% | 70 / 77 | 97% | $265K | 68 |
| Investment refinance | 91% | 29 / 32 | 100% | $305K | 29 |
Utah Community Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 85% | $155K | 5,712 | 4,036 |
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 Utah Community Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Utah County, UT | Home improvement loans | 84% | 2,326 | 1,536 |
| Utah County, UT | Refinance | 89% | 1,513 | 1,188 |
| Utah County, UT | Mortgage lenders | 85% | 569 | 448 |
| Salt Lake County, UT | Home improvement loans | 77% | 402 | 236 |
| Salt Lake County, UT | Refinance | 79% | 283 | 189 |
| Utah County, UT | Cash-out refinance | 82% | 143 | 96 |
| Utah County, UT | Investment property purchase | 91% | 54 | 48 |
| Davis County, UT | Refinance | 84% | 45 | 29 |
| Davis County, UT | Home improvement loans | 82% | 49 | 27 |
| Utah County, UT | Investment refinance | 92% | 26 | 24 |
| Washington County, UT | Home improvement loans | 89% | 28 | 22 |
| Washington County, UT | Refinance | 85% | 20 | 15 |
The county markets where Utah Community Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Utah Community Federal Credit Union
What is Utah Community Federal Credit Union's mortgage approval rate?
Utah Community Federal Credit Union approved 84.6% of the 5,718 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.7 points above the 70.9% national rate for the same mix of loan types.
How often do borrowers take the loan Utah Community Federal Credit Union offers?
Borrowers accepted 83% of the loans Utah Community Federal 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 Utah Community Federal Credit Union make?
The typical home improvement loan loan Utah Community Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Utah Community Federal Credit Union lend?
Utah Community Federal Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Utah, Arizona and Texas.
Can I apply to Utah Community Federal Credit Union directly?
Yes. Utah Community Federal Credit Union is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Utah Community Federal 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 Utah Community Federal Credit Union treats applications, then get a rate quote from the lender.