HMDA records
21,713
2025
Public institution profile · Credit union · Not a recommendation
MOUNTAIN AMERICA
Credit unionSandy, UTActive
NCUA charter 24692
Data observedAugust 6, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- NCUA charter / CU number
- 24692
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- Not published — no verified match
- Not published — no verified match
Identity verified through NCUA; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Credit union
- Status
- Active
- Main office
- Sandy, UT
- HMDA activity
- Published activity year 2025
- Complaint records
- CFPB search status is not currently available.
- NCUA call report
- March 31, 2026
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Credit union
- Status
- Active
- Main office
- Sandy, UT
- activity
- Published activity year 2025
- Complaint records
- CFPB search status is not currently available.
- NCUA call report
- March 31, 2026
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
21,713reported records
9,837reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
9,837
2025
Denials
8,190
2025
Withdrawals
2,525
2025
Denial rate among decisioned applications
45.0%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 21,713 | 9,837 | 158 | 8,190 | 2,525 | 45.0% |
| 2024 | 21,793 | 9,806 | 170 | 7,197 | 3,117 | 41.9% |
| 2023 | 23,591 | 11,479 | 259 | 6,660 | 3,602 | 36.2% |
| 2022 | 37,101 | 21,746 | 681 | 9,123 | 3,885 | 28.9% |
| 2021 | 37,596 | 22,067 | 485 | 7,100 | 4,680 | 23.9% |
| 2020 | 36,790 | 19,813 | 339 | 6,272 | 6,256 | 23.7% |
| 2019 | 25,008 | 13,759 | 277 | 5,544 | 3,995 | 28.3% |
| 2018 | 21,713 | 11,802 | 272 | 4,689 | 3,585 | 28.0% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 21,107 |
| FHA | 504 |
| VA | 94 |
| RHS / FSA | 8 |
| Home purchase | 3,161 |
| Home improvement | 5,432 |
| Refinancing | 7,014 |
| Cash-out refinancing | 1,663 |
State reporting
19 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Total CFPB mortgage complaint records
50
Coverage start
December 1, 2012
Data through
August 20, 2026
Annual activity
| Year | Complaint records |
|---|---|
| 2021 | 6 |
| 2022 | 5 |
| 2023 | 6 |
| 2024 | 8 |
| 2025 | 14 |
| 2026 | 11 |
Leading issues
Trouble during payment process
None
7
Trouble during payment process
Trying to communicate with the company to fix an issue while managing or servicing your loan
6
Incorrect information on your report
Account status incorrect
3
Struggling to pay mortgage
An existing modification, forbearance plan, short sale, or other loss mitigation relief
3
Trouble during payment process
Fees charged
3
View all issues (22)
Trouble during payment process
Paying off the loan
3
Applying for a mortgage or refinancing an existing mortgage
Application denials
2
Applying for a mortgage or refinancing an existing mortgage
Changes in loan terms during the application process
2
Applying for a mortgage or refinancing an existing mortgage
None
2
Closing on a mortgage
None
2
Incorrect information on your report
Account information incorrect
2
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
2
Struggling to pay mortgage
None
2
Struggling to pay mortgage
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
2
Trouble during payment process
Interest rate
2
Applying for a mortgage or refinancing an existing mortgage
Delays in the application process
1
Applying for a mortgage or refinancing an existing mortgage
Trying to communicate with the company to fix an issue with the application process
1
Closing on a mortgage
Fees or costs after closing
1
Credit monitoring or identity theft protection services
Problem canceling credit monitoring or identify theft protection service
1
Struggling to pay mortgage
Foreclosure
1
Trouble during payment process
Payment process
1
Trouble during payment process
Private mortgage insurance (PMI)
1
States
Utah
32
Idaho
6
Arizona
5
Nevada
2
New Mexico
2
View all states (8)
Florida
1
Texas
1
UNITED STATES MINOR OUTLYING ISLANDS
1
Company response
Closed with explanation
39
Closed with non-monetary relief
6
Closed with monetary relief
3
In progress
2
Timely response
Timely-response figures are a count distribution as reported to CFPB, not a score.
Yes
50
How to read these figures
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only the regulator that applies to this institution is shown. Identifiers stay as published.
Institution identity
NCUAMarch 31, 2026Call-report date when published. It is not the profile observed date.
NCUA identity
- NCUA charter number
- 24692
- Credit union type
- Federal credit union
- Federal insurance
- Federally insured through the NCUA / National Credit Union Share Insurance Fund
- Low-income designation
- Yes
NCUA-reported main office
Main office is the location classification reported in the NCUA source and is not presented here as a legal-headquarters determination.
- Address line 1
- 9800 S Monroe St
- City
- Sandy
- State
- UT
- ZIP
- 84070
- County
- Salt Lake
- Country
- United States
- Phone
- 8013256220
- Hours
- Monday-Friday 8:00-5:00
NCUA quarterly financial summary
Data period: March 31, 2026
- Members
- 1,433,256
- Total assets
- $22,659,231,635
- Total loans — all reported loan categories
- $18,439,836,531
- Shares and deposits
- $20,129,481,023
- Return on average assets
- 0.89%
- Net worth ratio
- 9.41%
- Loan-to-share ratio
- 91.61%
NCUA total-loan balances are institution-wide and are not presented as mortgage volume.
Four-quarter growth metrics
- Shares/deposits four-quarter growth
- 6.28%
- Loans four-quarter growth
- 8.08%
- Assets four-quarter growth
- 6.71%
- Members four-quarter growth
- 5.79%
- Net-worth four-quarter growth
- 9.7%
Location characteristics
Source-reported location characteristics. These fields are not recommendations or quality indicators.
- Member services
- No
- ATM
- No
- Drive-thru
- No
- Shared service-center network
- No
NCUA source dates
- NCUA call-report date
- March 31, 2026
- NCUA locations data date
- March 31, 2026
- NCUA locations observed
- August 7, 2026
No published branch result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryEvent dates come from the source row. The observed date is when USMI reviewed the file.
No published institution history result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
NCUA institution baseline
Source reviewed2026-03-31
Limitation
NCUA figures are from the published call-report period shown with the record, not a current financial quote.
NCUA location / main office
Source reviewed2026-08-07
Limitation
Location fields are the NCUA-reported office record, not a complete branch network.
CFPB Consumer Complaint Database search
Source reviewed2026-08-06
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-06
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.