Mortgage lending in St. George, UT
7,265 mortgages were originated in the St. George, UT area in 2025, and here is what they cost.
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
- 7,265
- Median rate
- 6.625%
- Median lender fees
- $5,954
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
- $335,000
- Above the going rate (spread over APOR)
- 0.232
- Paid discount points
- 36.7%
- Received lender credits
- 22.8%
- Purchases / refinances
- 53.5% / 27.9%
- Conventional / FHA / VA
- 83.4% / 11.3% / 5.1%
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 68.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the St. George, UT area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 695 | $9,287 | 6.490% |
| Mountain America Federal Credit Union | 601 | $24 | 7.250% |
| AMERICA FIRST Federal Credit Union | 485 | — | 6.990% |
| United Shore Financial Services, LLC | 461 | $7,122 | 6.414% |
| Rocket Mortgage, LLC | 261 | $4,357 | 6.625% |
| The Loan Store, Inc. | 260 | $7,585 | 6.490% |
| Sun American Mortgage Company | 251 | $4,832 | 6.490% |
| Intercap Lending Inc. | 248 | $7,086 | 6.500% |
| DHI Mortgage Company, Ltd. | 244 | $2,361 | 5.625% |
| Belem Servicing LLC | 239 | $4,967 | 6.625% |