What loan types does Utah Community Federal Credit Union offer?

Utah Community Federal Credit Union offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Utah Community Federal Credit Union offer mortgages?

Utah Community Federal Credit Union offers mortgages in 1 states: UT.

How competitive are Utah Community Federal Credit Union's mortgage rates?

Utah Community Federal Credit Union has an overall pricing score of 57.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Utah Community Federal Credit Union?

Utah Community Federal Credit Union is a Credit Union headquartered in Provo, UT.

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Utah Community Federal Credit Union

Credit Union•Provo, UTHQ•Direct•Reviews near you on Google

Utah Community Federal Credit Union has 311 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

Strong

4/5

FHA · Conventional · Jumbo

Place

Strong

4/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Utah Community Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 3.0 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

277 loans · 0.02% below market

Strong

Top 40% of lenders

4/5

FHA

18 loans · 0.10% below market

Sound

Top 60% of lenders

3/5

Jumbo

14 loans

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

247 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

Refinance

64 loans · 0.16% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 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	Strong	Sound	Sound	277	89.1%	-0.021%Below	$2,518Fees
FHA Loans	Sound	Sound	—	Sound	18	5.8%	-0.097%Below	$3,647Fees
Jumbo Loans	Sound	Strong	—	Acceptable	14	4.5%	—	—

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume277

Mix89.1%

Spread

-0.021%Below

Fees

$2,518Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume18

Mix5.8%

Spread

-0.097%Below

Fees

$3,647Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Acceptable

Volume14

Mix4.5%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	247	79.4%	+0.014%Above	$2,855Fees
Refinance	Strong	Strong	Strong	Sound	64	20.6%	-0.161%Below	$1,883Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume247

Mix79.4%

Spread

+0.014%Above

Fees

$2,855Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume64

Mix20.6%

Spread

-0.161%Below

Fees

$1,883Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

311

Applications

654

Volume

$139 million

Pricing & Closing

Avg Rate Spread

-0.030%

vs. market APOR

Avg Net Fees

$2,613

Origination − Credits

Pullthrough Rate

47.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$450,016

Avg Borrower Income

$162,450

Avg Property Value

$725,129

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Provo, UTMetro

Volume 232Mix 74.60% of portfolio

88/100

Exceptional

Salt Lake City, UTMetro

Volume 22Mix 7.07% of portfolio

54/100

Sound

Ogden, UTMetro

Volume 11Mix 3.54% of portfolio

45/100

Sound

Top States by Place Specialization Score

UtahState

Volume 311Mix 100.00% of portfolio

82/100

Exceptional

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.