Mortgage lending in Utah County
20,129 mortgages were originated in Utah 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
- 20,129
- Median rate
- 6.500%
- Median lender fees
- $6,849
- Median loan amount
- $365,000
- Median 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
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 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, escrow and taxes are extra and are not in these figures. Compare two offers