Mortgage lending in Summit County
1,710 mortgages were originated in Summit 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
- 1,710
- Median rate
- 6.625%
- Median lender fees
- $6,263
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
- $595,000
- Above the going rate (spread over APOR)
- 0.133
- Paid discount points
- 21.6%
- Received lender credits
- 28%
- Purchases / refinances
- 44.8% / 32.9%
- Conventional / FHA / VA
- 95.3% / 2.7% / 2%
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 65.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,150,000
- FHA limit
- $1,163,800
- Median home price
- $1,000,000
- That home, 20% down
- $800,000
A median-priced home with 20% down leaves $350,000 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. 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 Summit County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 116 | $6,261 | 6.625% |
| Mountain America Federal Credit Union | 115 | — | 7.625% |
| U.S. Bank National Association | 94 | $6,661 | 6.125% |
| Zions Bancorporation, N.A. | 90 | — | 6.563% |
| Rocket Mortgage, LLC | 86 | $4,304 | 6.750% |
| AMERICA FIRST Federal Credit Union | 83 | — | 6.740% |
| JPMorgan Chase Bank, National Association | 61 | — | 5.875% |
What lenders charged here
Lender fees on a $595,000 loan, based on what was actually charged in Summit County — not a rule of thumb.
From 1,113 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