Mortgage lending in Tooele County
3,203 mortgages were originated in Tooele 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
- 3,203
- Median rate
- 6.500%
- Median lender fees
- $6,996
- Median loan amount
- $325,000
- Median spread over APOR
- 0.391
- Paid discount points
- 41.8%
- Received lender credits
- 20.2%
- Purchases / refinances
- 48.2% / 32%
- Conventional / FHA / VA
- 67.4% / 24.6% / 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 75.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $637,100
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 Tooele County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mountain America Federal Credit Union | 338 | — | 7.740% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 282 | $9,568 | 6.125% |
| AMERICA FIRST Federal Credit Union | 278 | — | 7.490% |
| Rocket Mortgage, LLC | 180 | $5,073 | 6.625% |
| INTERCAP LENDING INC. | 143 | $10,126 | 6.500% |
| THE LOAN STORE, INC. | 94 | $9,788 | 6.188% |
| KIND LENDING, LLC | 90 | $9,416 | 6.500% |
| Loandepot.Com, LLC | 89 | $10,339 | 5.625% |
| CHARTWAY FEDERAL CREDIT UNION | 81 | — | 3.690% |
| RANLIFE, INC. | 73 | $14,071 | 6.500% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Tooele County — not a rule of thumb.
From 2,408 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