Mountain America Mortgage Rates, Fees & Info
Sandy, UTLEI: 5493006S869XKIESMV41
Tax ID: 87-0172956
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Mortgage Data
Review & Overview
Mountain America is a mid-sized mortgage company specializing in Refi, Cash Out 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, Ogden, St. George, and Phoenix among others. We have data for 103 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 a low 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.71% | 4/17/25 |
| 30 Year Conventional Purchase | 6.64% | 4/17/25 |
| 30 Year Conventional Refi | 6.47% | 4/17/25 |
| 30 Year Cash-out Refi | 6.78% | 4/17/25 |
| 30 Year FHA Purchase | 6.45% | 4/17/25 |
| 30 Year FHA Refi | 6.31% | 4/17/25 |
| 30 Year VA Purchase | 5.79% | 4/17/25 |
| 30 Year USDA Purchase | 6.07% | 4/17/25 |
| 15 Year Conventional Purchase | 7.04% | 4/17/25 |
| 15 Year Conventional Refi | 7.99% | 4/17/25 |
| 15 Year Cash-out Refi | 7.99% | 4/17/25 |
| 15 Year VA Purchase | 5.44% | 4/17/25 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
22,067Origination Dollar Volume (All Markets)
$3,944,215,000Awards
MOUNTAIN AMERICA - 2021
MOUNTAIN AMERICA is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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) | 6,498 | $1,118,010,000 | $172,054 | $3,772 | 3.64% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3,098 | $559,030,000 | $180,449 | $4,347 | 3.74% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2,227 | $380,115,000 | $170,685 | $3,659 | 3.73% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1,512 | $282,660,000 | $186,944 | $4,598 | 3.59% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1,693 | $275,995,000 | $163,021 | $4,416 | 3.79% |
| BOISE CITY, ID (FHA|USDA|VA) | 1,232 | $238,050,000 | $193,222 | $4,987 | 3.63% |
| Outside of Metro Areas | 1,178 | $189,220,000 | $160,628 | $3,892 | 3.44% |
| Heber, UT (FHA|USDA|VA) | 623 | $179,545,000 | $288,194 | $6,177 | 3.48% |
| Vernal, UT (FHA|USDA|VA) | 502 | $83,080,000 | $165,498 | $3,717 | 3.34% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 457 | $76,885,000 | $168,239 | $4,479 | 3.66% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 422 | $76,360,000 | $180,948 | $4,629 | 3.62% |
| LOGAN, UT-ID (FHA|USDA|VA) | 409 | $65,155,000 | $159,303 | $3,508 | 3.59% |
| Cedar City, UT (FHA|USDA|VA) | 433 | $62,035,000 | $143,268 | $3,841 | 3.54% |
| RENO, NV (FHA|USDA|VA) | 234 | $50,020,000 | $213,761 | $4,650 | 3.53% |
| POCATELLO, ID (FHA|USDA|VA) | 227 | $45,075,000 | $198,568 | $4,434 | 3.55% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 217 | $35,425,000 | $163,249 | $3,934 | 3.62% |
| Rexburg, ID (FHA|USDA|VA) | 125 | $21,145,000 | $169,160 | $3,894 | 3.61% |
| Blackfoot, ID (FHA|USDA|VA) | 93 | $17,055,000 | $183,387 | $4,235 | 3.44% |
| Outside of Metro Areas | 57 | $14,225,000 | $249,561 | $6,838 | 3.52% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 39 | $13,755,000 | $352,692 | $11,289 | 3.55% |
| TWIN FALLS, ID (FHA|USDA|VA) | 78 | $11,840,000 | $151,795 | $4,436 | 3.59% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 67 | $11,125,000 | $166,045 | $5,187 | 3.59% |
| Price, UT (FHA|USDA|VA) | 62 | $8,570,000 | $138,226 | $3,301 | 3.54% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 37 | $8,045,000 | $217,432 | $4,698 | 3.67% |
| BILLINGS, MT (FHA|USDA|VA) | 54 | $7,740,000 | $143,333 | $4,638 | 4.08% |
| Show Low, AZ (FHA|USDA|VA) | 21 | $5,095,000 | $242,619 | $6,249 | 3.33% |
| SALEM, OR (FHA|USDA|VA) | 13 | $4,775,000 | $367,308 | $11,165 | 3.66% |
| TUCSON, AZ (FHA|USDA|VA) | 28 | $4,370,000 | $156,071 | $3,884 | 3.54% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 12 | $4,200,000 | $350,000 | $12,236 | 3.61% |
| Jackson, WY-ID (FHA|USDA|VA) | 14 | $4,090,000 | $292,143 | $7,023 | 3.17% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 19 | $3,975,000 | $209,211 | $5,158 | 3.49% |
| FORT COLLINS, CO (FHA|USDA|VA) | 14 | $3,860,000 | $275,714 | $5,616 | 3.79% |
| Burley, ID (FHA|USDA|VA) | 20 | $3,690,000 | $184,500 | $7,582 | 3.70% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 16 | $3,620,000 | $226,250 | $5,647 | 3.44% |
| Evanston, WY (FHA|USDA|VA) | 13 | $3,605,000 | $277,308 | $3,163 | 3.39% |
| Bozeman, MT (FHA|USDA|VA) | 10 | $3,340,000 | $334,000 | $7,039 | 3.70% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $3,275,000 | $363,889 | $9,522 | 3.74% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 10 | $2,830,000 | $283,000 | $7,006 | 3.26% |
| Fernley, NV (FHA|USDA|VA) | 23 | $2,815,000 | $122,391 | $5,066 | 3.83% |
| WALLA WALLA, WA (FHA|USDA|VA) | 5 | $2,735,000 | $547,000 | $24,239 | 3.68% |
| BEND, OR (FHA|USDA|VA) | 6 | $2,710,000 | $451,667 | $13,324 | 3.29% |
| Pahrump, NV (FHA|USDA|VA) | 12 | $2,650,000 | $220,833 | $5,608 | 3.55% |
| Ontario, OR-ID (FHA|USDA|VA) | 18 | $2,620,000 | $145,556 | $4,461 | 3.87% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 13 | $2,495,000 | $191,923 | $8,486 | 3.60% |
| CARSON CITY, NV (FHA|USDA|VA) | 11 | $2,365,000 | $215,000 | $4,697 | 3.08% |
| GREELEY, CO (FHA|USDA|VA) | 11 | $2,315,000 | $210,455 | $6,140 | 3.63% |
| Rock Springs, WY (FHA|USDA|VA) | 7 | $2,305,000 | $329,286 | $5,966 | 3.18% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 11 | $2,245,000 | $204,091 | $6,389 | 3.49% |
| Payson, AZ (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $7,742 | 3.20% |
| Mountain Home, ID (FHA|USDA|VA) | 14 | $1,940,000 | $138,571 | $4,706 | 3.99% |
| MISSOULA, MT (FHA|USDA|VA) | 9 | $1,935,000 | $215,000 | $5,020 | 3.19% |
| Elko, NV (FHA|USDA|VA) | 12 | $1,790,000 | $149,167 | $4,360 | 3.55% |
| Astoria, OR (FHA|USDA|VA) | 3 | $1,605,000 | $535,000 | $14,508 | 3.54% |
| Sandpoint, ID (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $7,706 | 3.48% |
| Fallon, NV (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $3,953 | 3.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $5,767 | 3.68% |
| SANTA FE, NM (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $6,245 | 3.83% |
| LAS CRUCES, NM (FHA|USDA|VA) | 8 | $1,340,000 | $167,500 | $3,314 | 3.59% |
| Glenwood Springs, CO (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $5,271 | 3.35% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $7,647 | 3.87% |
| Newport, OR (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $11,885 | 3.31% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $4,228 | 3.65% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $2,650 | 3.69% |
| Aberdeen, WA (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $8,192 | 3.21% |
| FARMINGTON, NM (FHA|USDA|VA) | 6 | $820,000 | $136,667 | $2,872 | 3.12% |
| Helena, MT (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $4,120 | 4.28% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,966 | 3.19% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $6,704 | 3.29% |
| Montrose, CO (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $4,569 | 2.83% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $23,957 | 3.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 3.25% |
| Kalispell, MT (FHA|USDA|VA) | 5 | $645,000 | $129,000 | $5,073 | 3.55% |
| Laramie, WY (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $11,802 | 3.50% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $10,513 | 3.38% |
| Las Vegas, NM (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,556 | 3.46% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 3.50% |
| GREAT FALLS, MT (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $6,212 | 3.79% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,040 | 4.33% |
| Durango, CO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,958 | 3.19% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $13,841 | 2.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $13,534 | 3.88% |
| Española, NM (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,377 | 2.94% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 3.00% |
| Hailey, ID (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $3,205 | 3.41% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,206 | 3.25% |
| CASPER, WY (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,895 | 2.55% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 3.99% |
| Deming, NM (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,374 | 2.31% |
| Roswell, NM (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $2,507 | 3.21% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,411 | 3.38% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,958 | 2.75% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,518 | 3.13% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,327 | 2.75% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,795 | 2.38% |
| Safford, AZ (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,120 | 3.12% |
| Portales, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,673 | 3.13% |
| Shelton, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.38% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 4.25% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,954 | 3.88% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 3.25% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $444 | 3.79% |
| Grants, NM (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.10% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.50% |
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Product Mix
For 2021, Mountain America's most frequently originated type of loan was HELOC, with 12,241 originations. Their 2nd most popular type was Conventional, with 9,574 originations.
Loan Reason
For 2021, Mountain America's most frequently cited loan purpose was Home Improvement, with 6,546 originations. The 2nd most popular reason was Refi, with 6,453 originations.
Loan Duration/Length
For 2021, Mountain America's most frequently cited loan duration was 20 Year, with 12,708 originations. The 2nd most popular length was 30 Year, with 4,540 originations.
Origination Fees/Closing Costs
Mountain America's average total fees were $5,725, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,587 originations.
Interest Rates
During 2021, Mountain America's average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 3-4%, with 10,741 originations.
Loan Sizing
2021 saw Mountain America place emphasis on $100,000 or less loans with 8,411 originations, totaling $461,345,000 in origination value.
Applicant Income
Mountain America lent most frequently to those with incomes in the $100k-150k range, with 5,527 originations. The second most popular income band? $50k-75k, with 4,935 originations.
Applicant Debt to Income Ratio
Mountain America lent most frequently to those with DTI ratios of 20-30%, with 5,285 originations. The next most common DTI ratio? 30-36%, with 4,609 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.12%
Mountain America has a below average approval rate.
Pick Rate
Approvals leading to origination76.59%
Mountain America has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 22,067 | $3,944,215,000 | $178,738 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 22,067 | $3,944,215,000 | $178,738 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 16.7% |
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | Conventional home mortgage | Struggling to pay mortgage | 1 | 16.7% |
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | Conventional home mortgage | Trouble during payment process | 3 | 50.0% |
| MOUNTAIN AMERICA FEDERAL CREDIT UNION | Home equity loan or line of credit (HELOC) | Problem with a credit reporting company's investigation into an existing problem | 1 | 16.7% |