Utah Power Credit Union reported 264 applications for homes in Utah in the HMDA data of 2025.
It originated 246 loans in the state in 2025, for $46.0 million in total.
The median interest rate of these loans in 2025 was 5.875%, and the median of all lenders in Utah was 6.250%.
The median total loan costs in 2025 were $5,693, and the state median was $7,593.
It denied 2.0% of the applications that it decided in the state in 2025, and the state denial rate was 19.2%.
Filed figures of Utah Power Credit Union in Utah, 2025
Figure
In UT
Lender, all states
UT, all lenders
Applications
264
331
151,726
Loans originated
246
298
95,957
Median interest rate
5.875%
5.925%
6.250%
Median total loan costs
$5,693
$5,726
$7,593
Denial rate
2.0%
2.3%
19.2%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Utah Power Credit Union in Utah, 2025Each value has the median of all lenders in Utah under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in UT
104
5.875%UT 6.250%
$5,693UT $7,593
$2,850UT $3,725
n/aUT $3,905
n/aUT $972
−0.484UT 0.072
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.484 percentage points below the average prime offer rate. On a loan of $300,000, that is about $1,452 less a year, or $121 less a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Utah. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Utah Power Credit Union were in Utah in 2025?
246 of its loans originated, out of 298 in all states. That is 82.6%.
In which counties of Utah did Utah Power Credit Union originate the most loans in 2025?
The three with the most loans were Carbon County (88), Emery County (50) and Salt Lake County (44).
Which loan types did Utah Power Credit Union originate in Utah in 2025?
All its loans in the state were of one type: 246 conventional.
How did the applications of Utah Power Credit Union in Utah change from 2022 to 2025?
It reported 321 applications in 2022 and 264 in 2025.