Mortgage lending in Salt Lake County
28,617 mortgages were originated in Salt Lake County, Utah, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 28,617
- Median rate
- 6.625%
- Median lender fees
- $5,688
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $325,000
- Above the going rate (spread over APOR)
- 0.267
- Paid discount points
- 33.7%
- Received lender credits
- 19%
- Purchases / refinances
- 42.3% / 34.1%
- Conventional / FHA / VA
- 84.9% / 11.6% / 3.5%
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 66% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $637,100
- Median home price
- $554,000
- That home, 20% down
- $443,200
A median-priced home with 20% down leaves $389,550 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Salt Lake County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 3,636 | — | 6.990% |
| United Shore Financial Services, LLC | 2,980 | $7,363 | 6.375% |
| Mountain America Federal Credit Union | 2,412 | $5 | 7.250% |
| Rocket Mortgage, LLC | 1,569 | $4,458 | 6.750% |
| Intercap Lending Inc. | 1,185 | $6,600 | 6.500% |
| Kind Lending, LLC | 741 | $7,974 | 6.375% |
| CYPRUS Federal Credit Union | 738 | $2,883 | 4.990% |
| Securitynational Mortgage Company | 701 | $11,243 | 6.750% |
| University First Federal Credit Union | 696 | — | 4.990% |
| First Colony Mortgage Corporation | 660 | $9,695 | 6.250% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Salt Lake County — not a rule of thumb.
From 18,876 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers