Mortgage lending in Box Elder County
2,061 mortgages were originated in Box Elder County, Utah, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,061
- Median rate
- 6.625%
- Median lender fees
- $6,536
- Median loan amount
- $275,000
- Median spread over APOR
- 0.274
- Paid discount points
- 41.7%
- Received lender credits
- 16.1%
- Purchases / refinances
- 46.7% / 32%
- Conventional / FHA / VA
- 71.4% / 19.7% / 7.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Box Elder County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 360 | — | 7.240% |
| GUILD MORTGAGE COMPANY | 201 | $10,327 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 172 | $8,191 | 6.125% |
| INTERCAP LENDING INC. | 146 | $7,784 | 6.500% |
| GOLDENWEST | 124 | — | 7.500% |
| Rocket Mortgage, LLC | 103 | $5,347 | 6.750% |
| FIRST COLONY MORTGAGE CORPORATION | 76 | $8,685 | 6.125% |
| KIND LENDING, LLC | 54 | $9,265 | 6.375% |
| Mountain America Federal Credit Union | 53 | — | 7.000% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Box Elder County — not a rule of thumb.
From 1,516 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers