Utah Community Credit Union operates with a member-first mindset, offering a variety of mortgage products with competitive rates. As a not-for-profit credit union, UCCU combines personalized service with modern mortgage tools, making the process approachable for both first-time buyers and those refinancing.
See today’s mortgage interest rates on TrueRate.
How Utah Community Credit Union compares to other lenders
| Headquarters | Provo, Utah |
| Website | uccu.com |
| Rate | 0.16% lower than the median rate |
| Lender fees | $825 (median on Utah Community Credit Union loans) |
| Savings after 1 year, compared to the median interest rate | $898 |
| Savings after 10 years, compared to the median interest rate | $5,640 |
| Added cost after 1 year, compared to Tomo Mortgage | $1,680 |
| Added cost after 10 years compared to Tomo Mortgage | $5,545 |
For a $400,000 mortgage, UCCU’s rates—about 0.16% below the median—and $825 in lender fees result in estimated savings of roughly $898 in the first year and over $5,600 after 10 years compared to the median lender. Compared to lower-cost lenders such as Tomo Mortgage, however, the same loan could cost an additional $1,680 in the first year and $5,545 over 10 years.
What customers are saying
Customer reviews of Utah Community Credit Union (UCCU) mortgage services, as seen on platforms like Yelp and BBB, are predominantly negative with occasional positive feedback.
Some borrowers praised UCCU for competitive mortgage rates and smooth transactions. Long-term members noted satisfaction with their mortgage experience, highlighting helpful staff and efficient processes in certain cases.
Complaints frequently mention poor customer service related to mortgage processing, delays in closing, and operational inefficiencies. Borrowers reported issues such as misapplied mortgage payments, unresponsive representatives, and errors in loan servicing. Yelp reviews highlight frustrations with communication gaps during critical stages of the mortgage process and difficulties resolving disputes related to mortgage terms or payments.
How to compare mortgage lenders
Interest rates. Comparing rates between lenders isn’t always straightforward. Many promote low headline rates that require paying “points” upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.
Lender fees or loan origination fees. Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.
On-time close rate. Most lenders do not publicly share their on-time close rates. However, it’s a critical factor—especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.
Pre-approval and offer letters. Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It’s important to ask whether a lender’s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.
Customer satisfaction. If detailed customer review data isn’t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.
Employee reviews. Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.
To better understand how we compare mortgage rates fairly, see our TrueRate Methodology.
If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today.