Mortgage lending in Utah County
20,129 mortgages were originated in Utah 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
- 20,129
- Median rate
- 6.500%
- Median lender fees
- $6,849
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
- $365,000
- Above the going rate (spread over APOR)
- 0.174
- Paid discount points
- 38.7%
- Received lender credits
- 21.1%
- Purchases / refinances
- 53.5% / 27.9%
- Conventional / FHA / VA
- 81.1% / 15.1% / 3.7%
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 68.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $601,450
- Median home price
- $523,000
- That home, 20% down
- $418,400
A median-priced home with 20% down leaves $414,350 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 Utah County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 2,020 | $8,002 | 6.250% |
| AMERICA FIRST Federal Credit Union | 1,733 | — | 7.240% |
| First Colony Mortgage Corporation | 1,424 | $10,222 | 6.250% |
| Mountain America Federal Credit Union | 1,324 | $52 | 7.500% |
| Utah Community Federal Credit Union | 1,113 | $5,446 | 6.990% |
| Rocket Mortgage, LLC | 912 | $5,120 | 6.500% |
| Intercap Lending Inc. | 768 | $7,055 | 6.625% |
| DHI Mortgage Company, Ltd. | 680 | $2,350 | 5.875% |
| Guild Mortgage Company | 615 | $9,611 | 6.500% |
| Securitynational Mortgage Company | 461 | $11,087 | 6.625% |
What lenders charged here
Lender fees on a $365,000 loan, based on what was actually charged in Utah County — not a rule of thumb.
From 13,824 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