Mountain America Mortgage Rates, Fees & Info

Sandy, UT

LEI: 5493006S869XKIESMV41

Tax ID: 87-0172956

5 stars - Updated: 4/18/24 - out of 5 stars, based on 107 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Mountain America is a small mortgage company specializing in Refi and Home Purchase loans. Mountain America has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Salt Lake City, Provo, Phoenix, Ogden, and St. George among others. We have data for 102 markets. (Some data included below & more in-depth data is available with an active subscription.)

Mountain America has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Mountain America is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.48% 4/18/24
30 Year Conventional Purchase 6.74% 4/18/24
30 Year Conventional Refi 6.51% 4/18/24
30 Year Cash-out Refi 6.63% 4/18/24
30 Year FHA Purchase 7.33% 4/18/24
30 Year FHA Refi 6.65% 4/18/24
30 Year VA Purchase 6.17% 4/18/24
30 Year VA Refi 6.27% 4/18/24
30 Year USDA Purchase 6.46% 4/18/24
15 Year Conventional Purchase 6.01% 4/18/24
15 Year Conventional Refi 6.19% 4/18/24
15 Year Cash-out Refi 6.19% 4/18/24
15 Year FHA Purchase 5.68% 4/18/24
15 Year FHA Refi 5.68% 4/18/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Mountain America Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Mountain America. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

11,478

Origination Dollar Volume (All Markets)

$1,890,940,000
Show all (12) awards

Relative Rate

Mountain America's average 30 year fixed mortgage rate was 6.53%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.05%.

Relative Fees (Closing Costs)

Mountain America's average total fees/closing costs for a 30 year fixed rate mortgage were $8,153.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
SALT LAKE CITY, UT (FHA|USDA|VA) 3,275 $491,715,000 $150,142 $2,648 8.07%
PROVO-OREM, UT (FHA|USDA|VA) 1,605 $275,825,000 $171,854 $3,348 8.05%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1,011 $171,995,000 $170,124 $3,653 8.15%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1,113 $157,725,000 $141,712 $2,707 8.11%
ST. GEORGE, UT (FHA|USDA|VA) 738 $125,200,000 $169,648 $3,682 8.00%
Outside of Metro Areas 646 $100,350,000 $155,341 $3,420 7.83%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 305 $80,085,000 $262,574 $4,507 8.11%
BOISE CITY, ID (FHA|USDA|VA) 455 $68,175,000 $149,835 $2,870 7.93%
Heber, UT (FHA|USDA|VA) 236 $56,900,000 $241,102 $3,864 8.07%
Cedar City, UT (FHA|USDA|VA) 271 $37,485,000 $138,321 $2,330 7.87%
Vernal, UT (FHA|USDA|VA) 254 $33,050,000 $130,118 $2,890 7.79%
LOGAN, UT-ID (FHA|USDA|VA) 207 $28,835,000 $139,300 $2,958 7.98%
IDAHO FALLS, ID (FHA|USDA|VA) 213 $28,535,000 $133,967 $2,599 8.10%
ALBUQUERQUE, NM (FHA|USDA|VA) 113 $19,985,000 $176,858 $3,550 7.68%
POCATELLO, ID (FHA|USDA|VA) 126 $19,870,000 $157,698 $3,432 7.73%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 42 $18,790,000 $447,381 $13,629 6.55%
RENO, NV (FHA|USDA|VA) 122 $17,600,000 $144,262 $1,852 8.03%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 31 $15,335,000 $494,677 $14,287 6.67%
Rexburg, ID (FHA|USDA|VA) 66 $12,690,000 $192,273 $3,538 7.77%
Blackfoot, ID (FHA|USDA|VA) 46 $7,380,000 $160,435 $2,862 7.94%
Price, UT (FHA|USDA|VA) 58 $6,960,000 $120,000 $2,179 7.72%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 16 $6,940,000 $433,750 $12,763 6.83%
TUCSON, AZ (FHA|USDA|VA) 28 $6,800,000 $242,857 $4,746 7.79%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 41 $6,775,000 $165,244 $4,346 7.87%
FLAGSTAFF, AZ (FHA|USDA|VA) 19 $6,025,000 $317,105 $10,531 8.02%
TWIN FALLS, ID (FHA|USDA|VA) 60 $5,760,000 $96,000 $1,581 8.12%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 12 $5,500,000 $458,333 $12,882 7.04%
GRAND JUNCTION, CO (FHA|USDA|VA) 14 $4,890,000 $349,286 $9,148 8.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 21 $4,515,000 $215,000 $7,388 7.80%
Show Low, AZ (FHA|USDA|VA) 20 $4,130,000 $206,500 $7,670 7.64%
Outside of Metro Areas 14 $3,530,000 $252,143 $4,305 8.09%
BILLINGS, MT (FHA|USDA|VA) 31 $3,085,000 $99,516 $2,264 7.81%
SALEM, OR (FHA|USDA|VA) 7 $2,795,000 $399,286 $11,229 7.05%
Centralia, WA (FHA|USDA|VA) 6 $2,640,000 $440,000 $12,446 6.42%
Bozeman, MT (FHA|USDA|VA) 6 $2,430,000 $405,000 $22,427 7.67%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $2,365,000 $337,857 $7,768 7.14%
Burley, ID (FHA|USDA|VA) 11 $2,295,000 $208,636 $7,426 7.69%
Jackson, WY-ID (FHA|USDA|VA) 10 $2,180,000 $218,000 $7,772 7.87%
Pahrump, NV (FHA|USDA|VA) 10 $2,090,000 $209,000 $5,875 8.09%
FORT COLLINS, CO (FHA|USDA|VA) 6 $2,060,000 $343,333 $9,019 7.40%
Ontario, OR-ID (FHA|USDA|VA) 9 $2,045,000 $227,222 $7,650 7.23%
MISSOULA, MT (FHA|USDA|VA) 15 $1,865,000 $124,333 $1,305 7.63%
GREELEY, CO (FHA|USDA|VA) 6 $1,850,000 $308,333 $9,405 7.06%
Aberdeen, WA (FHA|USDA|VA) 5 $1,765,000 $353,000 $9,840 7.23%
Fernley, NV (FHA|USDA|VA) 7 $1,535,000 $219,286 $4,411 7.76%
Elko, NV (FHA|USDA|VA) 13 $1,535,000 $118,077 $3,879 8.43%
YAKIMA, WA (FHA|USDA|VA) 5 $1,485,000 $297,000 $8,915 7.35%
Ellensburg, WA (FHA|USDA|VA) 4 $1,400,000 $350,000 $4,845 7.94%
Payson, AZ (FHA|USDA|VA) 8 $1,370,000 $171,250 $5,421 8.01%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $1,175,000 $391,667 $11,573 7.13%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 7 $1,145,000 $163,571 $3,509 8.20%
Shelton, WA (FHA|USDA|VA) 3 $1,035,000 $345,000 $10,941 6.96%
Evanston, WY (FHA|USDA|VA) 9 $1,035,000 $115,000 $1,907 7.65%
Gardnerville Ranchos, NV (FHA|USDA|VA) 4 $1,030,000 $257,500 $3,893 7.59%
Española, NM (FHA|USDA|VA) 2 $1,010,000 $505,000 $10,606 6.44%
CORVALLIS, OR (FHA|USDA|VA) 3 $965,000 $321,667 $10,300 7.29%
Kalispell, MT (FHA|USDA|VA) 5 $955,000 $191,000 $2,888 7.72%
SANTA FE, NM (FHA|USDA|VA) 4 $940,000 $235,000 $8,913 7.66%
Sandpoint, ID (FHA|USDA|VA) 5 $875,000 $175,000 $3,546 7.85%
PUEBLO, CO (FHA|USDA|VA) 3 $875,000 $291,667 $8,050 6.46%
Taos, NM (FHA|USDA|VA) 2 $750,000 $375,000 $9,103 7.93%
Port Angeles, WA (FHA|USDA|VA) 2 $740,000 $370,000 $10,650 7.38%
Rock Springs, WY (FHA|USDA|VA) 8 $710,000 $88,750 $2,444 8.76%
Roseburg, OR (FHA|USDA|VA) 3 $705,000 $235,000 $7,970 7.63%
Glenwood Springs, CO (FHA|USDA|VA) 2 $610,000 $305,000 $0 9.13%
LAS CRUCES, NM (FHA|USDA|VA) 3 $565,000 $188,333 $4,407 8.00%
Los Alamos, NM (FHA|USDA|VA) 1 $515,000 $515,000 $0 8.88%
Mountain Home, ID (FHA|USDA|VA) 5 $475,000 $95,000 $2,536 7.28%
LONGVIEW, WA (FHA|USDA|VA) 1 $465,000 $465,000 $12,623 7.50%
Astoria, OR (FHA|USDA|VA) 1 $455,000 $455,000 $10,158 8.38%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $455,000 $455,000 $0 7.50%
Prineville, OR (FHA|USDA|VA) 1 $435,000 $435,000 $11,033 7.00%
YUMA, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $5,803 7.25%
Safford, AZ (FHA|USDA|VA) 4 $420,000 $105,000 $1,799 8.00%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $390,000 $195,000 $0 8.56%
Gillette, WY (FHA|USDA|VA) 1 $365,000 $365,000 $7,907 7.88%
La Grande, OR (FHA|USDA|VA) 3 $355,000 $118,333 $4,246 8.29%
Newport, OR (FHA|USDA|VA) 2 $350,000 $175,000 $0 8.06%
BEND, OR (FHA|USDA|VA) 1 $345,000 $345,000 $7,058 7.13%
Coos Bay, OR (FHA|USDA|VA) 1 $335,000 $335,000 $11,232 6.50%
CASPER, WY (FHA|USDA|VA) 2 $330,000 $165,000 $3,080 7.56%
CHEYENNE, WY (FHA|USDA|VA) 2 $290,000 $145,000 $3,432 8.06%
Durango, CO (FHA|USDA|VA) 1 $285,000 $285,000 $8,020 7.50%
Fallon, NV (FHA|USDA|VA) 2 $280,000 $140,000 $5,452 7.73%
CARSON CITY, NV (FHA|USDA|VA) 5 $275,000 $55,000 $1,129 9.02%
Grants, NM (FHA|USDA|VA) 2 $270,000 $135,000 $6,586 8.13%
Silver City, NM (FHA|USDA|VA) 3 $255,000 $85,000 $2,499 5.75%
Hailey, ID (FHA|USDA|VA) 2 $230,000 $115,000 $0 7.75%
Klamath Falls, OR (FHA|USDA|VA) 1 $195,000 $195,000 $5,510 6.88%
Alamogordo, NM (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.25%
Gallup, NM (FHA|USDA|VA) 1 $165,000 $165,000 $3,978 5.25%
Montrose, CO (FHA|USDA|VA) 3 $155,000 $51,667 $0 8.33%
Deming, NM (FHA|USDA|VA) 1 $135,000 $135,000 $5,755 7.00%
Helena, MT (FHA|USDA|VA) 3 $135,000 $45,000 $0 9.08%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $130,000 $65,000 $0 8.38%
FARMINGTON, NM (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.87%
Clovis, NM (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.75%
Winnemucca, NV (FHA|USDA|VA) 1 $115,000 $115,000 $945 8.24%
BOULDER, CO (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
Nogales, AZ (FHA|USDA|VA) 2 $70,000 $35,000 $0 9.12%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.24%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $15,000 $15,000 $0 9.50%
Mountain America's top markets include Salt Lake City, Provo, Phoenix, Ogden, and St. George among others.

Their top states include:
  • Utah (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against MOUNTAIN AMERICA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 6,070 $715,100,000 $117,809 n/a 8.65%
    Conventional 5,319 $1,147,805,000 $215,793 $3,222 7.31%
    FHA 65 $20,015,000 $307,923 $11,738 6.32%
    VA 21 $7,265,000 $345,952 $8,206 6.30%
    USDA 3 $755,000 $251,667 $8,459 6.33%

    For 2023, Mountain America's most frequently originated type of loan was HELOC, with 6,070 originations. Their 2nd most popular type was Conventional, with 5,319 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 3,756 $358,090,000 $95,338 $57 8.40%
    Other 2,406 $198,680,000 $82,577 $13 8.39%
    Refi 2,366 $390,500,000 $165,046 $530 8.31%
    Home Purchase 1,933 $771,725,000 $399,237 $8,939 6.83%
    Cash Out Refi 1,017 $171,945,000 $169,071 $3,568 7.16%

    For 2023, Mountain America's most frequently cited loan purpose was Home Improvement, with 3,756 originations. The 2nd most popular reason was Other, with 2,406 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 6,339 $752,995,000 $118,788 $2,627 8.59%
    15 Year 1,970 $423,390,000 $214,919 $3,303 7.39%
    10 Year 1,071 $77,915,000 $72,750 $20 7.39%
    30 Year 1,015 $419,415,000 $413,217 $8,153 6.53%
    Other 817 $83,325,000 $101,989 $162 7.95%
    30+ year 176 $130,090,000 $739,148 $13,838 7.00%
    5 Year 90 $3,810,000 $42,333 $7 6.98%

    For 2023, Mountain America's most frequently cited loan duration was 20 Year, with 6,339 originations. The 2nd most popular length was 15 Year, with 1,970 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,780 $227,820,000 $81,950
    $5k+ 936 $470,140,000 $502,286
    $1k-2k 507 $63,395,000 $125,039
    $2k-3k 300 $60,190,000 $200,633
    $3k-4k 263 $72,685,000 $276,369
    $4k-5k 229 $79,355,000 $346,528

    Mountain America's average total fees were $8,153, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,780 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 5,485 $624,125,000 $113,788
    7-8% 3,704 $572,260,000 $154,498
    6-7% 1,510 $453,500,000 $300,331
    5-6% 741 $212,855,000 $287,254
    4-5% 35 $20,465,000 $584,714
    3-4% 3 $7,735,000 $2,578,333

    During 2023, Mountain America's average interest rate for loans was 6.53%, while their most frequently originated rate bucket for loans was Over 8%, with 5,485 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 5,799 $318,385,000 $54,903 $326 8.31%
    $100k-200k 2,735 $367,995,000 $134,550 $1,721 8.18%
    $200k-400k 1,947 $558,635,000 $286,921 $6,244 7.46%
    $400k-600k 687 $320,805,000 $466,965 $9,921 6.75%
    $600k-1MM 241 $175,015,000 $726,203 $13,862 7.07%
    $1MM+ 69 $150,105,000 $2,175,435 $22,346 7.19%

    2023 saw Mountain America place emphasis on $100,000 or less loans with 5,799 originations, totaling $318,385,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 3,452 $494,230,000 $143,172 $3,286 8.10%
    $75k-100k 2,317 $291,725,000 $125,906 $3,075 8.04%
    $150k-250k 2,204 $425,500,000 $193,058 $3,910 8.14%
    $50k-75k 1,926 $195,170,000 $101,334 $2,526 7.94%
    $250k+ 716 $296,230,000 $413,729 $9,394 8.01%
    $50k or less 627 $47,035,000 $75,016 $1,574 7.69%

    Mountain America lent most frequently to those with incomes in the $100k-150k range, with 3,452 originations. The second most popular income band? $75k-100k, with 2,317 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,142 $295,850,000 $138,119 $2,594 8.12%
    20-30% 1,777 $249,515,000 $140,414 $2,551 7.94%
    44% 724 $142,680,000 $197,072 $4,160 7.88%
    42% 639 $107,385,000 $168,052 $3,932 7.94%
    40% 623 $87,675,000 $140,730 $2,781 8.15%
    41% 619 $96,555,000 $155,985 $3,680 8.08%
    43% 604 $102,480,000 $169,669 $4,067 7.94%
    38% 596 $78,080,000 $131,007 $2,551 8.36%
    <20% 523 $78,815,000 $150,698 $1,445 7.73%
    39% 523 $78,565,000 $150,220 $3,199 8.03%
    36% 495 $64,865,000 $131,040 $2,304 8.17%
    37% 474 $63,200,000 $133,333 $2,681 8.24%
    45% 464 $81,090,000 $174,763 $4,662 7.90%
    47% 430 $97,110,000 $225,837 $6,394 7.56%
    46% 402 $73,990,000 $184,055 $4,441 8.17%
    49% 148 $45,490,000 $307,365 $6,666 7.52%
    48% 139 $36,985,000 $266,079 $5,900 7.70%
    50-60% 82 $16,850,000 $205,488 $3,196 8.09%
    >60% 36 $5,430,000 $150,833 $2,274 8.01%

    Mountain America lent most frequently to those with DTI ratios of 30-36%, with 2,142 originations. The next most common DTI ratio? 20-30%, with 1,777 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10,248 $1,579,150,000 $154,093 $3,202 8.03%
    Not provided 620 $123,150,000 $198,629 $4,814 7.76%
    Not applicable 37 $87,715,000 $2,370,676 $0 6.48%
    Asian 184 $43,080,000 $234,130 $5,694 7.76%
    Black 132 $22,220,000 $168,333 $3,471 8.07%
    American Indian 108 $15,850,000 $146,759 $4,221 7.94%
    Native Hawaiian or Islander 100 $13,200,000 $132,000 $3,145 8.32%
    Other Pacific Islander 13 $1,395,000 $107,308 $0 8.40%
    Korean 2 $1,120,000 $560,000 $26,300 7.69%
    Asian Indian 4 $820,000 $205,000 $13,739 7.50%
    Other Asian 7 $805,000 $115,000 $0 8.21%
    Filipino 9 $775,000 $86,111 $0 8.25%
    Japanese 2 $510,000 $255,000 $10,845 7.81%
    5 $375,000 $75,000 $0 8.05%
    Chinese 3 $335,000 $111,667 $0 8.33%
    Native Hawaiian 1 $205,000 $205,000 $0 7.24%
    Samoan 2 $170,000 $85,000 $0 9.13%
    Vietnamese 1 $65,000 $65,000 $0 9.49%

    Approval Rates

    Total approvals of all applications
    71.84%

    Mountain America has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    66.37%

    Mountain America has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 11,478 $1,890,940,000 $164,745

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    11,478 $1,890,940,000 $164,745

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2,687 $447,835,000 $166,667 $1,815 8.22%
    40-60% 681 $248,615,000 $365,073 $4,933 7.67%
    60-80% 521 $231,545,000 $444,424 $7,949 6.98%
    80-100% 1,300 $540,150,000 $415,500 $9,316 6.64%
    Over 100% 1 $665,000 $665,000 $23,013 6.49%
    Under 20% 6,288 $422,130,000 $67,133 $328 8.32%