What loan types does Deseret First Credit Union offer?

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

Where does Deseret First Credit Union offer mortgages?

Deseret First Credit Union offers mortgages in 18 states: AR, AZ, CA, FL, ID, IL, MO, NC, NH, NM, OH, OK, OR, RI, SC, TX, UT, VA.

How competitive are Deseret First Credit Union's mortgage rates?

Deseret First Credit Union has an overall pricing score of 44.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Deseret First Credit Union?

Deseret First Credit Union is a Credit Union headquartered in West Valley City, UT.

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Deseret First Credit Union

Credit Union•West Valley City, UTHQ•Direct•Reviews near you on Google

Deseret First Credit Union has 163 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

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Multi-Region · 5 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Deseret First Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 11.9 bps below market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

156 loans · 0.12% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

95 loans · 0.11% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

68 loans · 0.14% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 6 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Strong	156	95.7%	-0.122%Below	$3,711Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume156

Mix95.7%

Spread

-0.122%Below

Fees

$3,711Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Acceptable	Sound	95	58.3%	-0.110%Below	$4,308Fees
Refinance	Strong	Sound	Strong	Strong	68	41.7%	-0.136%Below	$2,722Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume95

Mix58.3%

Spread

-0.110%Below

Fees

$4,308Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume68

Mix41.7%

Spread

-0.136%Below

Fees

$2,722Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

163

Applications

192

Volume

$63 million

Pricing & Closing

Avg Rate Spread

-0.119%

vs. market APOR

Avg Net Fees

$3,759

Origination − Credits

Pullthrough Rate

84.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$391,626

Avg Borrower Income

$156,687

Avg Property Value

$630,644

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

18Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast2

NHRI

Midwest3

ILMOOH

South7

ARFLNCOKSCTXVA

West6

AZCAIDNMORUT

Top Metro Areas by Place Specialization Score

Ogden, UTMetro

Volume 41Mix 25.15% of portfolio

67/100

Strong

Salt Lake City, UTMetro

Volume 34Mix 20.86% of portfolio

62/100

Strong

Provo, UTMetro

Volume 21Mix 12.88% of portfolio

55/100

Sound

St. George, UTMetro

Volume 16Mix 9.82% of portfolio

55/100

Sound

Logan, UT, UT-IDMetro

Volume 10Mix 6.13% of portfolio

47/100

Sound

Top States by Place Specialization Score

UtahState

Volume 131Mix 80.37% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.