Mortgage lending in Weber County
9,067 mortgages were originated in Weber 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
- 9,067
- Median rate
- 6.625%
- Median lender fees
- $5,701
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
- $275,000
- Above the going rate (spread over APOR)
- 0.231
- Paid discount points
- 36.7%
- Received lender credits
- 18.2%
- Purchases / refinances
- 43.3% / 34%
- Conventional / FHA / VA
- 75.7% / 14.9% / 9.4%
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 69.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $744,050
- Median home price
- $520,000
- That home, 20% down
- $416,000
A median-priced home with 20% down leaves $416,750 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 Weber County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 1,894 | — | 6.990% |
| Goldenwest | 847 | $4,272 | 7.500% |
| United Shore Financial Services, LLC | 729 | $7,849 | 6.125% |
| Guild Mortgage Company | 545 | $9,182 | 6.490% |
| Rocket Mortgage, LLC | 447 | $4,747 | 6.750% |
| Intercap Lending Inc. | 355 | $7,973 | 6.500% |
| Mountain America Federal Credit Union | 300 | — | 7.500% |
| Kind Lending, LLC | 219 | $9,738 | 6.375% |
| Plains Commerce Bank | 138 | — | 6.625% |
| The Loan Store, Inc. | 132 | $6,582 | 6.490% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Weber County — not a rule of thumb.
From 6,280 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