Mortgage lending in Uintah County
1,046 mortgages were originated in Uintah 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
- 1,046
- Median rate
- 6.532%
- Median lender fees
- $6,609
- Median loan amount
- $225,000
- Median spread over APOR
- 0.540
- Paid discount points
- 35.6%
- Received lender credits
- 18.3%
- Purchases / refinances
- 46.1% / 35.6%
- Conventional / FHA / VA
- 67.1% / 26.2% / 5.2%
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 73.5% 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 Uintah County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mountain America Federal Credit Union | 335 | $3,244 | 6.990% |
| GUILD MORTGAGE COMPANY | 164 | $9,201 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 62 | $8,622 | 6.125% |
| Bank of Utah | 55 | $5,701 | 6.500% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Uintah County — not a rule of thumb.
From 769 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