Mortgage lending in Wasatch County
1,755 mortgages were originated in Wasatch 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
- 1,755
- Median rate
- 6.624%
- Median lender fees
- $6,265
- Median loan amount
- $555,000
- Median spread over APOR
- 0.135
- Paid discount points
- 28.5%
- Received lender credits
- 24.7%
- Purchases / refinances
- 50.4% / 31.7%
- Conventional / FHA / VA
- 92.2% / 5% / 2.8%
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 66.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,150,000
- FHA limit
- $1,163,800
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
Who lent here
Lenders with at least 50 loans in Wasatch County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 139 | — | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 133 | $7,356 | 6.598% |
| Mountain America Federal Credit Union | 105 | — | 7.240% |
| Rocket Mortgage, LLC | 64 | $5,066 | 6.625% |
| Zions Bancorporation, N.A. | 63 | — | 6.490% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 62 | — | 6.750% |
| LENNAR MORTGAGE, LLC | 58 | $3,558 | 4.990% |
| GUILD MORTGAGE COMPANY | 57 | — | 6.625% |
What lenders charged here
Lender fees on a $555,000 loan, based on what was actually charged in Wasatch County — not a rule of thumb.
From 1,165 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