Lender in Utah · HMDA 2025
America First Federal Credit Union mortgages in Utah
America First Federal Credit Union's 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
America First Federal Credit Union originated 837 owner-occupied single-family loans in Utah from 1,422 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $5,080 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.50% (Utah: 6.50%).
Loans in UT
837
of 1,422 applications
Denial rate
19.8%
Purchase · UT 6.5%
Rate spread
−0.01 pts
Conv. · UT +0.05 pts
Loan amount
$365,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 606 | 306 | 19.8% | 6.500% | −0.01 pts | $5,080 | $365,000 |
| Refinance | 543 | 386 | 18.6% | 6.125% | −0.08 pts | $0 | $125,000 |
| Cash-out refinance | 273 | 145 | 33.3% | 6.625% | +0.20 pts | $5,020 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where America First Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Weber County | 5 | 205 | 4.3% |
| Davis County | 6 | 161 | 3.1% |
| Rich County | 6 | 2 | 4.4% |
| Wayne County | 6 | 1 | 4.2% |
| Box Elder County | 8 | 32 | 2.7% |
| Sanpete County | 8 | 7 | 1.7% |
| Juab County | 8 | 6 | 3.0% |
| Morgan County | 8 | 5 | 2.1% |
| Beaver County | 9 | 3 | 3.1% |
| Emery County | 9 | 3 | 2.9% |
| Cache County | 10 | 53 | 2.8% |
| Sevier County | 11 | 4 | 1.3% |
| Millard County | 13 | 2 | 1.3% |
| Duchesne County | 15 | 2 | 0.9% |
| Kane County | 16 | 2 | 1.8% |
| Salt Lake County | 17 | 212 | 1.4% |
| Washington County | 19 | 34 | 0.9% |
| Summit County | 19 | 7 | 1.1% |
| Carbon County | 20 | 3 | 0.9% |
| Wasatch County | 22 | 8 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology