Mortgage lending in Iron County
2,096 mortgages were originated in Iron 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
- 2,096
- Median rate
- 6.625%
- Median lender fees
- $6,377
- Median loan amount
- $285,000
- Median spread over APOR
- 0.277
- Paid discount points
- 40.2%
- Received lender credits
- 27.8%
- Purchases / refinances
- 53.3% / 28.9%
- Conventional / FHA / VA
- 76.2% / 14.2% / 9.3%
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 72.7% 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 Iron County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mountain America Federal Credit Union | 269 | $125 | 7.240% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 238 | $8,469 | 6.375% |
| State Bank of Southern Utah | 222 | $3,977 | 7.500% |
| GUILD MORTGAGE COMPANY | 139 | $11,344 | 6.625% |
| AMERICAN FINANCIAL NETWORK, INC. | 114 | $7,733 | 6.250% |
| Rocket Mortgage, LLC | 99 | $4,320 | 6.625% |
| INTERCAP LENDING INC. | 94 | $6,786 | 6.500% |
| AMERICA FIRST Federal Credit Union | 77 | — | 7.240% |
| DHI MORTGAGE COMPANY, LTD. | 50 | — | 5.875% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Iron County — not a rule of thumb.
From 1,523 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