St. George FHA Loan Rates, Closing Costs & Stats

ST. GEORGE, UT

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    St. George's 73 lenders originated 826 FHA loans during 2024. The total origination value was $307,750,000, with an average FHA loan value of $372,579.

    St. George FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in St. George averaged 0.17% for the week of 2025-07-04, compared to the national average (all FHA variants) of 0% for the same period.

    St. George's average FHA mortgage closing costs are $10,568.

    The average rate for the prior week (2025-06-27) was 6.55% and one month ago for the week of 2025-05-30, the average rate was 6.83%.

    The average rate one year ago was 6.85%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.04%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    St. George FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the St. George level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 147 6.02% $18,451
    DHI MORTGAGE COMPANY, LTD. 74 5.49% $9,666
    UNITED WHOLESALE MORTGAGE, LLC 64 5.95% $14,525
    SUN AMERICAN MORTGAGE COMPANY 52 5.99% $15,578
    BELEM SERVICING LLC 38 6.32% $14,158
    FIRST COLONY MORTGAGE CORPORATION 34 6.15% $15,627
    QUICKEN LOANS, LLC 30 6.13% $14,785
    The Loan Store, Inc. 20 5.82% $14,055
    INTERCAP LENDING INC. 18 6.24% $16,082
    MY MOVE MORTGAGE, LLC 17 6.24% $13,920
    PENNYMAC LOAN SERVICES, LLC 13 6.06% $11,694
    MOUNTAIN AMERICA 12 5.76% $12,523
    SECURITYNATIONAL MORTGAGE COMPANY 9 6.32% $18,104
    Century Mortgage Company DBA Century Lending Company 8 5.84% $15,116
    FREEDOM MORTGAGE CORPORATION 8 5.84% $18,644
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 6.45% $14,860
    Plains Commerce Bank 8 6.64% $15,309
    VILLAGE CAPITAL MORTGAGE 7 6.14% $9,371
    VERITAS FUNDING, LLC 7 6.07% $17,821
    HOMEAMERICAN MORTGAGE CORPORATION 7 4.57% $12,705
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.90% $10,514
    Mr. Cooper ( Nationstar Mortgage ) 6 6.23% $14,656
    CROSSCOUNTRY MORTGAGE, LLC 6 6.30% $14,854
    BROKER SOLUTIONS, INC. 6 6.29% $15,141
    CANOPY MORTGAGE, LLC 5 6.20% $14,603
    LOANDEPOT.COM, LLC 4 5.81% $16,822
    BAY EQUITY LLC 4 6.40% $13,722
    AMERICAN FINANCING CORPORATION 4 5.75% $15,368
    Paramount Residential Mortgage Group, Inc. 3 6.33% $13,729
    CMG MORTGAGE, INC. 3 5.88% $13,392
    SUN WEST MORTGAGE COMPANY, INC. 3 5.79% $22,566
    SECURITY HOME MORTGAGE, LLC. 3 6.71% $13,497
    PLANET HOME LENDING, LLC 3 5.91% $9,756
    LAKEVIEW LOAN SERVICING, LLC 3 6.04% $8,922
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.38% $17,584
    SWBC MORTGAGE CORPORATION 2 6.19% $8,186
    Flagstar Bank, FSB 2 6.06% $15,880
    AMERICAN FINANCIAL NETWORK, INC. 2 7.13% $22,119
    Encompass Lending Group, LP 2 7.06% $17,319
    Bank of Utah 2 6.69% $10,126
    DIRECT MORTGAGE, CORP. 2 5.69% $18,307
    JMAC LENDING, INC. 2 6.44% $10,661
    NEWREZ LLC 2 6.25% $10,971
    Mortgage Research Center, LLC 1 5.99% $4,053
    AMERICA FIRST 1 6.13% $9,758
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $9,028
    American Mortgage & Equity Consultants, Inc. 1 6.75% $21,026
    AMERISAVE MORTGAGE CORPORATION 1 5.13% $26,164
    Barrington Bank & Trust Company, N.A. 1 5.50% $10,926
    Carrington Mortgage Services, LLC 1 5.63% $12,742
    Cornerstone First Mortgage, Inc 1 6.50% $12,964
    CORNERSTONE HOME LENDING, INC. 1 6.25% $25,658
    Equity Prime Mortgage LLC 1 7.75% $14,547
    FirstBank 1 6.75% $14,713
    Franklin Loan Corporation 1 5.99% $16,336
    GOLDENWEST 1 6.50% $12,471
    GUARANTEED RATE, INC. 1 6.25% $17,354
    HOMESIDE FINANCIAL, LLC 1 5.99% $17,622
    Hometown Equity Mortgage, LLC 1 5.75% $19,493
    INTELLILOAN, INC. 1 6.00% $13,949
    LADERA LENDING, INC. 1 6.13% $18,667
    LOANPAL, LLC 1 4.88% $18,659
    MID AMERICA MORTGAGE, INC. 1 6.75% $6,287
    ALAMEDA MORTGAGE CORPORATION 1 6.50% $13,057
    ON Q FINANCIAL, INC. 1 6.63% $11,752
    PLAZA HOME MORTGAGE, INC. 1 6.63% $13,415
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.50% $19,187
    RANLIFE, INC. 1 5.88% $25,188
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 5.99% $24,914
    Sierra Pacific Mortgage Company, Inc. 1 5.75% $20,794
    The Federal Savings Bank 1 6.50% $18,055
    UNION HOME MORTGAGE CORP. 1 6.63% $14,237
    Utah Mortgage Loan Corporation 1 6.75% $9,028

    The top St. George FHA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 147 FHA loans originated. Their average total fees are $18,451, which is $8,784 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee St. George FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($9,666), PENNYMAC LOAN SERVICES, LLC ($11,694), MOUNTAIN AMERICA ($12,523), MY MOVE MORTGAGE, LLC ($13,920) and The Loan Store, Inc. ($14,055).

    The lowest rate St. George FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.49%), MOUNTAIN AMERICA (5.76%), The Loan Store, Inc. (5.82%), UNITED WHOLESALE MORTGAGE, LLC (5.95%) and SUN AMERICAN MORTGAGE COMPANY (5.99%).

    St. George FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    ST. GEORGE, UT WASHINGTON 2022 $481,850 $616,850 $745,650 $926,650
    ST. GEORGE, UT WASHINGTON 2023 $593,400 $759,650 $918,250 $1,141,150

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - St. George (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $364,950 (6.6%) $468,710 (0.7%) 0.00 1,049
    2018-02-01 $379,450 (8.5%) $538,718 (14.9%) 0.00 1,149
    2018-03-01 $379,900 (8.6%) $537,314 (16.3%) 0.00 1,142
    2018-04-01 $390,875 (11.7%) $561,402 (22.0%) 0.00 1,072
    2018-05-01 $396,250 (6.4%) $556,838 (7.0%) 0.00 1,053
    2018-06-01 $389,000 (4.6%) $541,935 (4.9%) 0.00 1,064
    2018-07-01 $381,942 (6.1%) $541,181 (6.3%) 0.00 1,098
    2018-08-01 $388,900 (6.8%) $478,965 (-6.5%) 0.00 1,119
    2018-09-01 $386,173 (5.8%) $495,232 (-3.5%) 0.00 1,198
    2018-10-01 $379,900 (6.9%) $484,825 (6.1%) 0.00 1,294
    2018-11-01 $377,561 (7.3%) $477,462 (4.6%) 0.00 1,326
    2018-12-01 $379,950 (4.5%) $479,560 (2.8%) 0.00 1,246
    2019-01-01 $379,950 (4.1%) $479,747 (2.4%) 0.00 1,210
    2019-02-01 $397,000 (4.6%) $493,515 (-8.4%) 0.00 1,367
    2019-03-01 $399,900 (5.3%) $499,406 (-7.1%) 0.00 1,410
    2019-04-01 $399,900 (2.3%) $495,590 (-11.7%) 0.00 1,381
    2019-05-01 $399,900 (0.9%) $501,703 (-9.9%) 0.00 1,261
    2019-06-01 $399,900 (2.8%) $502,227 (-7.3%) 0.00 1,236
    2019-07-01 $409,175 (7.1%) $2,166,063 (300.3%) 0.00 1,187
    2019-08-01 $406,664 (4.6%) $1,748,773 (265.1%) 0.00 1,217
    2019-09-01 $402,634 (4.3%) $1,049,189 (111.9%) 0.00 1,298
    2019-10-01 $400,197 (5.3%) $520,251 (7.3%) 0.00 1,338
    2019-11-01 $418,135 (10.8%) $527,888 (10.6%) 0.00 1,220
    2019-12-01 $427,500 (12.5%) $535,906 (11.8%) 0.00 1,174
    2020-01-01 $429,450 (13.0%) $538,565 (12.3%) 0.00 1,161
    2020-02-01 $429,900 (8.3%) $552,590 (12.0%) 0.00 1,234
    2020-03-01 $439,900 (10.0%) $569,943 (14.1%) 0.00 1,250
    2020-04-01 $444,400 (11.1%) $560,220 (13.0%) 0.00 1,340
    2020-05-01 $439,900 (10.0%) $568,815 (13.4%) 0.00 1,213
    2020-06-01 $444,920 (11.3%) $586,208 (16.7%) 0.00 974
    2020-07-01 $454,000 (11.0%) $603,191 (-72.2%) 0.00 819
    2020-08-01 $456,000 (12.1%) $641,269 (-63.3%) 0.00 667
    2020-09-01 $467,500 (16.1%) $678,244 (-35.4%) 0.00 605
    2020-10-01 $500,000 (24.9%) $758,599 (45.8%) 0.00 513
    2020-11-01 $529,900 (26.7%) $831,809 (57.6%) 0.00 460
    2020-12-01 $538,425 (26.0%) $828,405 (54.6%) 0.00 413
    2021-01-01 $549,250 (27.9%) $839,009 (55.8%) 0.00 312
    2021-02-01 $584,832 (36.0%) $846,219 (53.1%) 0.00 287
    2021-03-01 $612,450 (39.2%) $835,305 (46.6%) 0.00 259
    2021-04-01 $635,086 (42.9%) $840,053 (50.0%) 0.00 254
    2021-05-01 $650,000 (47.8%) $887,800 (56.1%) 0.00 318
    2021-06-01 $649,925 (46.1%) $1,270,947 (116.8%) 0.00 413
    2021-07-01 $645,000 (42.1%) $1,163,608 (92.9%) 0.00 524
    2021-08-01 $625,000 (37.1%) $1,102,629 (71.9%) 0.00 593
    2021-09-01 $630,875 (35.0%) $1,000,068 (47.5%) 0.00 680
    2021-10-01 $620,000 (24.0%) $990,752 (30.6%) 0.00 703
    2021-11-01 $634,500 (19.7%) $1,016,101 (22.2%) 0.00 618
    2021-12-01 $659,950 (22.6%) $1,100,818 (32.9%) 0.00 506
    2022-01-01 $725,000 (32.0%) $1,203,247 (43.4%) 0.00 409
    2022-02-01 $770,000 (31.7%) $1,276,826 (50.9%) 0.00 369
    2022-03-01 $788,000 (28.7%) $1,252,213 (49.9%) 0.00 431
    2022-04-01 $779,500 (22.7%) $986,129 (17.4%) 0.00 473
    2022-05-01 $765,725 (17.8%) $951,086 (7.1%) 0.00 676
    2022-06-01 $739,950 (13.9%) $901,399 (-29.1%) 0.00 866
    2022-07-01 $699,900 (8.5%) $848,270 (-27.1%) 0.00 1,101
    2022-08-01 $665,925 (6.6%) $799,705 (-27.5%) 0.00 1,247
    2022-09-01 $656,475 (4.1%) $788,189 (-21.2%) 0.00 1,293
    2022-10-01 $649,900 (4.8%) $778,238 (-21.5%) 0.00 1,375
    2022-11-01 $649,450 (2.4%) $776,142 (-23.6%) 0.00 1,379
    2022-12-01 $649,500 (-1.6%) $779,550 (-29.2%) 0.00 1,319
    2023-01-01 $629,950 (-13.1%) $770,741 (-35.9%) 0.00 1,231
    2023-02-01 $659,000 (-14.4%) $823,800 (-35.5%) 0.00 1,269
    2023-03-01 $679,729 (-13.7%) $863,229 (-31.1%) 0.00 1,304
    2023-04-01 $675,000 (-13.4%) $861,970 (-12.6%) 0.00 1,230
    2023-05-01 $682,500 (-10.9%) $885,256 (-6.9%) 0.00 1,142
    2023-06-01 $692,425 (-6.4%) $883,911 (-1.9%) 0.00 1,096
    2023-07-01 $675,000 (-3.6%) $854,619 (0.8%) 0.00 1,096
    2023-08-01 $664,950 (-0.2%) $833,927 (4.3%) 0.00 1,074
    2023-09-01 $659,000 (0.4%) $821,883 (4.3%) 0.00 1,183
    2023-10-01 $675,000 (3.9%) $843,645 (8.4%) 0.00 1,259
    2023-11-01 $664,000 (2.2%) $830,294 (7.0%) 0.00 1,224
    2023-12-01 $649,900 (0.1%) $828,988 (6.3%) 0.00 1,193
    2024-01-01 $654,225 (3.9%) $840,778 (9.1%) 0.00 1,138
    2024-02-01 $696,073 (5.6%) $919,231 (11.6%) 0.00 1,234
    2024-03-01 $699,900 (3.0%) $955,037 (10.6%) 0.00 1,290
    2024-04-01 $698,750 (3.5%) $954,287 (10.7%) 0.00 1,244
    2024-05-01 $687,075 (0.7%) $954,836 (7.9%) 0.00 1,251
    2024-06-01 $670,000 (-3.2%) $914,897 (3.5%) 0.00 1,244
    2024-07-01 $659,500 (-2.3%) $882,795 (3.3%) 0.00 1,294
    2024-08-01 $650,000 (-2.3%) $866,189 (3.9%) 0.00 1,359
    2024-09-01 $659,973 (0.2%) $854,698 (4.0%) 0.00 1,506
    2024-10-01 $675,000 (0.0%) $879,831 (4.3%) 0.00 1,601
    2024-11-01 $665,000 (0.2%) $877,859 (5.7%) 0.00 1,578
    2024-12-01 $659,000 (1.4%) $875,768 (5.6%) 0.00 1,474
    2025-01-01 $650,000 (-0.7%) $874,714 (4.0%) 0.00 1,407
    2025-02-01 $640,000 (-8.1%) $891,653 (-3.0%) 0.00 1,669
    2025-03-01 $659,000 (-5.8%) $925,374 (-3.1%) 0.00 1,764
    2025-04-01 $650,000 (-7.0%) $901,448 (-5.5%) 0.00 1,795
    2025-05-01 $639,990 (-6.9%) $881,077 (-7.7%) 0.00 1,824
    St. George's median listing price for 2025-05-01 was $639,990, a difference of $-47,085 (-6.9%) versus the prior year and $-10,010 versus the prior month.

    St. George's median listing price comes in at 0% of the national average.

    St. George's average listing price for 2025-05-01 was $881,077, a difference of $-73,759 (-7.7%) versus the prior year and $-20,371 versus the prior month.

    For the 2025-05-01 period, St. George had 1,824 MLS listings, a difference of 29 listings (2%) versus the prior month and 573 listings (46%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - St. George (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,241 sqft
    2018-02-01 0 days 2,281 sqft
    2018-03-01 0 days 2,259 sqft
    2018-04-01 0 days 2,293 sqft
    2018-05-01 0 days 2,293 sqft
    2018-06-01 0 days 2,249 sqft
    2018-07-01 0 days 2,223 sqft
    2018-08-01 0 days 2,239 sqft
    2018-09-01 0 days 2,246 sqft
    2018-10-01 0 days 2,205 sqft
    2018-11-01 0 days 2,179 sqft
    2018-12-01 0 days 2,184 sqft
    2019-01-01 0 days 2,174 sqft
    2019-02-01 0 days 2,191 sqft
    2019-03-01 0 days 2,246 sqft
    2019-04-01 0 days 2,237 sqft
    2019-05-01 0 days 2,240 sqft
    2019-06-01 0 days 2,200 sqft
    2019-07-01 0 days 2,186 sqft
    2019-08-01 0 days 2,180 sqft
    2019-09-01 0 days 2,173 sqft
    2019-10-01 0 days 2,191 sqft
    2019-11-01 0 days 2,268 sqft
    2019-12-01 0 days 2,293 sqft
    2020-01-01 0 days 2,271 sqft
    2020-02-01 0 days 2,255 sqft
    2020-03-01 0 days 2,305 sqft
    2020-04-01 0 days 2,309 sqft
    2020-05-01 0 days 2,300 sqft
    2020-06-01 0 days 2,304 sqft
    2020-07-01 0 days 2,319 sqft
    2020-08-01 0 days 2,330 sqft
    2020-09-01 0 days 2,353 sqft
    2020-10-01 0 days 2,466 sqft
    2020-11-01 0 days 2,502 sqft
    2020-12-01 0 days 2,500 sqft
    2021-01-01 0 days 2,569 sqft
    2021-02-01 0 days 2,536 sqft
    2021-03-01 0 days 2,459 sqft
    2021-04-01 0 days 2,499 sqft
    2021-05-01 0 days 2,574 sqft
    2021-06-01 0 days 2,525 sqft
    2021-07-01 0 days 2,389 sqft
    2021-08-01 0 days 2,294 sqft
    2021-09-01 0 days 2,319 sqft
    2021-10-01 0 days 2,322 sqft
    2021-11-01 0 days 2,334 sqft
    2021-12-01 0 days 2,458 sqft
    2022-01-01 0 days 2,568 sqft
    2022-02-01 0 days 2,570 sqft
    2022-03-01 0 days 2,555 sqft
    2022-04-01 0 days 2,498 sqft
    2022-05-01 0 days 2,444 sqft
    2022-06-01 0 days 2,353 sqft
    2022-07-01 0 days 2,291 sqft
    2022-08-01 0 days 2,222 sqft
    2022-09-01 0 days 2,218 sqft
    2022-10-01 0 days 2,173 sqft
    2022-11-01 0 days 2,178 sqft
    2022-12-01 0 days 2,174 sqft
    2023-01-01 0 days 2,154 sqft
    2023-02-01 0 days 2,222 sqft
    2023-03-01 0 days 2,263 sqft
    2023-04-01 0 days 2,270 sqft
    2023-05-01 0 days 2,340 sqft
    2023-06-01 0 days 2,350 sqft
    2023-07-01 0 days 2,270 sqft
    2023-08-01 0 days 2,262 sqft
    2023-09-01 0 days 2,271 sqft
    2023-10-01 0 days 2,319 sqft
    2023-11-01 0 days 2,291 sqft
    2023-12-01 0 days 2,267 sqft
    2024-01-01 0 days 2,252 sqft
    2024-02-01 0 days 2,337 sqft
    2024-03-01 0 days 2,347 sqft
    2024-04-01 0 days 2,341 sqft
    2024-05-01 0 days 2,328 sqft
    2024-06-01 0 days 2,300 sqft
    2024-07-01 0 days 2,270 sqft
    2024-08-01 0 days 2,250 sqft
    2024-09-01 0 days 2,279 sqft
    2024-10-01 0 days 2,315 sqft
    2024-11-01 0 days 2,306 sqft
    2024-12-01 0 days 2,286 sqft
    2025-01-01 0 days 2,290 sqft
    2025-02-01 0 days 2,264 sqft
    2025-03-01 0 days 2,322 sqft
    2025-04-01 0 days 2,302 sqft
    2025-05-01 0 days 2,287 sqft
    St. George's median listing age (time on market) for 2025-05-01 was 0 days.

    St. George's median square footage for active listings during the 2025-05-01 period was 2,287 sqft. One year prior, the average listing was 2,328 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).