LEI 254900ZC0S8OJM5CYU13 · Spanish Fork, UT
Nebo Credit Union
Originated-loan volume lands in the lower fleet tercile (2 funded) - a thin book relative to the 17 applications disclosed.
Originated-volume tercile vs fleet
Nebo Credit Union funded 2 mortgages, lower fleet tercile (below ~78 originations), ranking #4,869 of 4,908 by originated-loan volume and sits below the 1,000-application origination-share board (17 applications).
- n/a
- Below 1,000-app share board
- 11.8%
- Origination share
- 2
- Originated
- 64.7%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
17 reported applications
Where Nebo Credit Union sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
2 1st percentile higher than 1% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Nebo Credit Union
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Nebo Credit Union
Lender-reported HMDA denial-reason counts (top reasons shown).
Thin originated book. Nebo Credit Union funded 2 mortgages, below the fleet lower tercile (~78) - so rates swing on small counts; read denial and purpose shares with that denominator in mind. Most-cited denial codes: Debt-to-income ratio, Credit history, Credit application incomplete. Program weight concentrates in Conventional (17 applications).
How to read Nebo Credit Union. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Nebo Credit Union
Nebo Credit Union filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 17 | 2 | 11 | $326,765 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Nebo Credit Union (LEI: 254900ZC0S8OJM5CYU13) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 13 | 2 | $360,385 |
| Refinancing | 4 | 0 | $217,500 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White * | 17 | 11.8% | 64.7% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Hispanic or Latino * | 11 | 9.1% | 72.7% |
| Not Hispanic or Latino * | 6 | 16.7% | 50.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in UT
Other HMDA-reporting lenders in UT with similar activity. Compare any two side-by-side.
One of 46 other HMDA-reporting lenders in UT, 5 are shown here.
America First Federal Credit Union
ROY, UT
Mountain America Federal Credit Union
SANDY, UT
Sofi Bank, National Association
COTTONWOOD HEIGHTS, UT
Primary Residential Mortgage, INC.
Salt Lake City, UT
Canopy Mortgage, LLC
LINDON, UT
Read with Nebo Credit Union
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Nebo Credit Union (LEI 254900ZC0S8OJM5CYU13), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.