Heber Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Heber averaged 5.84% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.75% and one month ago for the week of 2022-05-26, the average rate was 5.14%.

Heber's average rate one year ago was 3.03%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.59%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Heber 30 Year Fixed Rate 2022-06-30 5.84%
Heber 30 Year Fixed Rate Refi 2022-06-30 5.59%
Heber 15 Year Fixed Rate 2022-06-30 5.11%
Heber 15 Year Fixed Rate Refi 2022-06-30 4.8%
Heber 30 Year FHA 2022-06-30 5.26%
Heber 30 Year FHA Refi 2022-06-30 5.37%
Heber 30 Year USDA 2022-06-30 5.62%
Heber 30 Year USDA Refi 2022-06-30 5.85%
Heber 30 Year VA 2022-06-30 5.54%
Heber 30 Year VA Refi 2022-06-30 5.02%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Heber, UT.

Heber Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Heber, UT market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
UNITED WHOLESALE MORTGAGE, LLC 670 2.96% $5,174
QUICKEN LOANS, LLC 363 2.91% $5,268
Wells Fargo Bank 319 2.74% $4,914
INTERCAP LENDING INC. 190 3.09% $4,838
JPMorgan Chase Bank 181 2.78% $4,596
U.S. Bank 166 2.85% $7,575
LOANDEPOT.COM, LLC 164 2.85% $3,743
GUILD MORTGAGE COMPANY 157 3.10% $6,061
Zions Bancorporation, N.A. 115 2.84% $4,563
SECURITYNATIONAL MORTGAGE COMPANY 114 3.24% $5,744
UTAH COMMUNITY 111 2.94% $4,291
HOME POINT FINANCIAL CORPORATION 108 2.96% $5,139
Morgan Stanley Private Bank 102 2.61% $5,792
Bank of America 96 2.52% $5,346
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 88 3.03% $5,814
MOUNTAIN AMERICA 86 2.94% $6,439
GUARANTEED RATE, INC. 78 3.02% $5,123
SECURITY SERVICE 76 3.04% $17,887
STEARNS LENDING, LLC 73 2.98% $5,240
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 72 3.13% $5,426
ACADEMY MORTGAGE CORPORATION 71 3.09% $5,696
KeyBank 65 2.79% $5,158
VERITAS FUNDING, LLC 56 3.02% $4,797
CALIBER HOME LOANS, INC. 55 3.00% $5,470
First Republic Bank 54 2.68% $10,115
FIRST COLONY MORTGAGE CORPORATION 49 3.04% $4,894
Citibank 49 2.72% $6,383
Charles Schwab Bank, SSB 48 2.16% $6,140
CROSSCOUNTRY MORTGAGE, LLC 46 3.05% $6,112
AMERISAVE MORTGAGE CORPORATION 43 2.68% $7,567
BROKER SOLUTIONS, INC. 43 3.07% $6,103
CITYWIDE HOME LOANS, LLC 42 3.08% $5,337
UBS Bank USA 39 2.60% $7,724
CELEBRITY HOME LOANS, LLC 38 3.16% $8,530
BETTER MORTGAGE CORPORATION 34 2.79% $4,209
MY MOVE MORTGAGE, LLC 32 3.00% $4,175
DIRECT MORTGAGE, CORP. 29 2.97% $6,012
Flagstar Bank, FSB 29 3.01% $4,311
Chicago Mortgage Solutions LLC 29 2.94% $4,623
PENNYMAC LOAN SERVICES, LLC 28 2.97% $4,821
AMERICA FIRST 28 2.98% $6,774
CANOPY MORTGAGE, LLC 27 2.89% $4,347
DHI MORTGAGE COMPANY, LTD. 26 2.92% $3,288
LENDSURE MORTGAGE CORP. 26 4.38% $22,561
NEWREZ LLC 25 3.15% $5,265
Glacier Bank 25 3.05% $7,047
VAN DYK MORTGAGE CORPORATION 24 3.03% $3,923
PNC Bank 22 2.75% $5,073
PROVIDENT FUNDING ASSOCIATES, L.P. 22 2.79% $4,157
Mr. Cooper ( Nationstar Mortgage ) 20 3.15% $6,166
MOVEMENT MORTGAGE, LLC 20 3.13% $5,300
FINANCE OF AMERICA MORTGAGE LLC 20 3.41% $7,816
University First Federal Credit Union 18 2.98% $4,523
CYPRUS Federal Credit Union 15 3.08% $4,141
Goldman Sachs Bank USA 15 2.76% $8,677
City National Bank 15 2.70% $7,331
SECURITY HOME MORTGAGE, LLC. 15 3.02% $5,126
BNY Mellon 14 2.45% $11,555
Citadel Servicing Corporation 14 4.87% $8,745
ADVANCIAL 14 4.98% $7,911
PRIMELENDING, A PLAINSCAPITAL COMPANY 14 3.26% $4,899
Raymond James Bank 13 2.66% $5,220
GUARANTEED RATE AFFINITY, LLC 13 3.05% $5,822
PRIMARY RESIDENTIAL MORTGAGE, INC. 12 3.00% $13,640
Bank of Utah 12 3.01% $8,127
NEXERA HOLDING LLC 12 2.91% $11,962
FREEDOM MORTGAGE CORPORATION 12 2.93% $3,006
NBKC BANK 12 3.11% $2,568
RANLIFE, INC. 11 3.07% $8,077
TIAA, FSB 11 3.09% $5,730
Strong Home Mortgage, LLC 11 2.85% $1,551
Silicon Valley Bank 11 2.35% $6,368
Wyndham Capital Mortgage, Inc. 10 2.99% $1,765
Low VA Rates, LLC 10 2.60% $1,875
PARKSIDE LENDING, LLC 10 3.00% $8,369
AMERICAN PACIFIC MORTGAGE CORPORATION 10 3.18% $5,257
Ally Bank 10 2.72% $9,152
Network Funding, L.P. 10 3.11% $6,699
KELLER MORTGAGE, LLC 9 3.13% $3,648
Truist Bank 9 2.73% $8,112
Deseret First Credit Union 8 3.03% $5,710
North American Savings Bank, F.S.B. 8 2.84% $1,831
Stifel Bank and Trust 8 2.61% $3,548
CIBC Bank USA 8 2.59% $11,518
AMERICAN FINANCING CORPORATION 8 3.17% $5,976
S1L, Inc. 7 2.91% $5,414
EVERETT FINANCIAL, INC. 7 3.52% $3,743
BLUE BRICK FINANCIAL LLC 7 3.08% $1,418
Gateway First Bank 7 3.09% $4,862
Grand Valley Bank 7 2.98% $5,036
SOFI LENDING CORP. 6 3.00% $5,669
CORNERSTONE HOME LENDING, INC. 6 3.15% $4,392
HSBC BANK USA, NATIONAL ASSOCIATION 6 2.74% $6,255
BAY EQUITY LLC 6 2.98% $12,726
ANGEL OAK MORTGAGE SOLUTIONS LLC 6 4.29% $28,600
Bank of the West 6 2.52% $12,095
Plains Commerce Bank 6 2.90% $6,026
GOLDENWEST 6 2.92% $3,854
Utah Mortgage Loan Corporation 6 2.98% $4,672
NBH Bank 6 3.04% $4,529
GRANITE FEDERAL CREDIT UNION 6 3.17% $3,585
NAVY FEDERAL CREDIT UNION 6 3.08% $6,847
Axos Bank 6 4.56% $38,185
CMG MORTGAGE, INC. 5 3.20% $6,556
Century Mortgage Company DBA Century Lending Company 5 3.18% $11,324
LOANPAL, LLC 5 3.00% $6,303
CHERRY CREEK MORTGAGE, LLC 5 2.85% $1,839
The Northern Trust Company 5 2.60% $7,032
Washington Federal Bank 5 3.25% $12,780
BMO Harris Bank 5 2.68% $6,539
FirstBank 5 2.60% $2,078
LAKEVIEW LOAN SERVICING, LLC 5 3.66% $4,238
AXIA FINANCIAL, LLC 5 3.20% $6,814
Watermark Capital, Inc. 5 2.65% $3,233
Paramount Residential Mortgage Group, Inc. 5 3.43% $5,544
Northpointe Bank 4 3.19% $4,210
Arvest Bank 4 3.00% $4,167
The Federal Savings Bank 4 2.81% $7,791
First Home Bank 3 3.13% $6,672
LENOX FINANCIAL MORTGAGE CORPORATION 3 3.00% $2,531
The Huntington National Bank 3 2.50% $5,808
FIRST TECHNOLOGY 3 2.96% $10,908
Florida Capital Bank 3 2.83% $7,428
Baxter Credit Union 3 2.54% $3,728
EVERLEND MORTGAGE COMPANY 3 3.04% $4,827
Nations Lending Corporation 3 3.17% $6,082
MOUNTAIN WEST FINANCIAL, INC. 3 3.08% $3,420
Barrington Bank & Trust Company, N.A. 3 3.04% $3,728
HOMESIDE FINANCIAL, LLC 3 3.25% $8,554
Umpqua Bank 3 2.58% $9,946
CALCON MUTUAL MORTGAGE LLC 3 3.04% $7,637
V.I.P. MORTGAGE, INC. 3 3.04% $12,511
Central Bank 3 3.17% $6,382
NOVA FINANCIAL & INVESTMENT CORPORATION 3 3.08% $3,561
PENTAGON FEDERAL CREDIT UNION 3 2.83% $8,552
KINECTA 3 3.08% $12,167
LEADERONE FINANCIAL CORPORATION 3 2.92% $4,397
Luxury Mortgage Corp. 3 4.17% $16,609
Citizens Bank 3 3.04% $8,745
BLUELEAF LENDING, LLC 3 3.04% $5,397
First Guaranty Mortgage Corporation 3 2.92% $8,590
First Horizon Bank 3 2.87% $4,869
Commerce Home Mortgage, Inc. 2 3.13% $5,876
Affiliated Bank 2 2.81% $6,472
AMERICAN FINANCIAL NETWORK, INC. 2 3.13% $13,254
AMERICAN INTERNET MORTGAGE, INC. 2 2.75% $3,435
ATHAS CAPITAL GROUP, INC. 2 4.06% $16,008
BNC National Bank 2 2.94% $2,838
Cache Valley Bank 2 2.75% $5,142
Cf Bank 2 2.81% $1,706
CHEVRON 2 2.56% $7,618
CIT Bank 2 2.81% $6,018
City National Bank of Florida 2 2.94% $10,495
Comerica Bank 2 3.13% $11,292
5TH STREET CAPITAL, INC. 2 4.44% $13,497
DRAPER AND KRAMER MORTGAGE CORP. 2 2.88% $4,106
Evolve Bank & Trust 2 2.81% $2,426
Fifth Third Bank 2 3.13% $3,399
First Interstate Bank 2 4.00% $15,625
First Merchants Bank 2 2.63% $3,806
First Western Trust Bank 2 3.12% $4,790
GENEVA FINANCIAL, LLC 2 3.13% $8,232
Hercules First Federal Credit Union 2 3.06% $7,220
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 2.94% $3,320
HOMEXPRESS MORTGAGE CORP. 2 5.93% $7,611
J. VIRGIL, INC. 2 2.94% $8,501
LENDUS, LLC 2 2.88% $25,741
Mortgage Bank of California 2 5.25% $23,452
NEST HOME LENDING, LLC 2 3.13% $5,930
Northwest Farm Credit Services, FLCA 2 3.30% $22,743
PANORAMA MORTGAGE GROUP, LLC 2 2.75% $3,123
Pinnacle Bank 2 3.19% $4,588
PREMIER AMERICA 2 3.38% $12,243
Prosperity Home Mortgage, LLC 2 2.94% $5,588
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 2 2.63% $4,827
SOVEREIGN LENDING GROUP INCORPORATED 2 3.06% $5,030
SUN AMERICAN MORTGAGE COMPANY 2 2.81% $4,314
The Loan Store, Inc. 2 3.06% $2,043
The Union Bank Company 2 2.69% $3,311
UNITED SECURITY FINANCIAL CORP 2 3.00% $14,622
Midwest Community Bank 1 2.63% $8,258
Midland States Bank 1 3.13% $7,593
MidFirst Bank 1 3.00% $3,427
MID AMERICA MORTGAGE, INC. 1 2.75% $3,693
Peoples Bank 1 3.00% $3,792
PHH Mortgage Corporation 1 2.75% $2,839
AUSTIN TELCO Federal Credit Union 1 3.50% $4,718
MICHIGAN MUTUAL, INC. 1 2.75% $3,527
PLAZA HOME MORTGAGE, INC. 1 2.63% $3,142
MEGASTAR FINANCIAL CORP. 1 2.88% $5,157
PREMIA MORTGAGE, LLC 1 3.13% $0
Atlantic Union Bank 1 3.25% $4,081
Level One Bank 1 3.25% $3,961
Lake Area Bank 1 3.25% $8,202
Waterstone Mortgage Corporation 1 3.50% $4,489
JMJ FINANCIAL GROUP 1 2.63% $3,588
INLAND BANK & TRUST 1 3.00% $3,856
IMPAC MORTGAGE CORP. 1 3.13% $0
Hometown Lenders, Inc. 1 2.75% $4,275
RBC Bank, (Georgia) 1 2.75% $2,534
Ameris Bank 1 2.88% $3,350
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.50% $2,353
HOMESTEAD FUNDING CORP. 1 2.63% $3,390
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.38% $7,869
Heritage Bank 1 3.13% $27,307
GoPrime Mortgage, Inc. 1 3.50% $10,930
Gold Coast Bank 1 2.88% $3,275
First United Bank and Trust Company 1 3.25% $15,861
WesBanco Bank, Inc. 1 2.63% $4,553
STANFORD Federal Credit Union 1 3.00% $4,463
First Savings Bank 1 3.00% $1,090
First National Bank of Omaha 1 3.00% $3,127
Stock Yards Bank & Trust Company 1 3.50% $6,545
First National Bank of America 1 7.13% $14,406
Willamette Valley Bank 1 3.50% $8,808
Sunflower Bank 1 3.88% $7,351
Texas Capital Bank 1 2.88% $18,029
The Farmers National Bank of Canfield 1 3.00% $10,665
Firefighters First Federal Credit Union 1 2.75% $0
Financial Federal Bank 1 4.00% $3,034
Wilmington Savings Fund Society, FSB 1 2.88% $3,864
EVANSVILLE TEACHERS 1 2.63% $4,218
Amerifirst Financial, Inc. 1 3.00% $4,623
Equity Prime Mortgage LLC 1 3.63% $14,637
Toyota Financial Savings Bank 1 2.75% $5,235
TRANSWEST CREDIT UNION 1 3.38% $9,910
Triumph Bank 1 2.88% $6,309
EMIGRANT MORTGAGE COMPANY, INC. 1 3.88% $7,258
Truity Federal Credit Union 1 3.00% $2,950
EMBRACE HOME LOANS, INC. 1 2.99% $2,669
UMB Bank 1 2.59% $11,038
EAGLE HOME MORTGAGE, LLC 1 3.13% $3,538
United Nations Federal Credit Union 1 2.88% $3,093
A&D Mortgage LLC 1 5.25% $29,398
D. L. Evans Bank 1 2.88% $3,188
UNIVERSAL LENDING CORPORATION 1 2.88% $11,303
DIRECTIONS EQUITY, LLC 1 3.00% $4,983
USAA Federal Savings Bank 1 3.13% $2,344
DELTA COMMUNITY CREDIT UNION 1 1.63% $3,172
CHURCHILL MORTGAGE CORPORATION 1 3.99% $5,500
Choice Financial Group 1 2.88% $17,176
Utah Power 1 2.63% $5,178
CHARTWAY FEDERAL CREDIT UNION 1 2.75% $3,789
BEEHIVE 1 2.88% $5,849
NFM, INC. 1 2.88% $3,488
NATIONS RELIABLE LENDING, LLC 1 3.13% $4,918
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.00% $2,205
VILLAGE CAPITAL & INVESTMENT LLC 1 2.38% $4,078
Notre Dame Federal Credit Union Corporation 1 2.88% $3,828
MORIA DEVELOPMENT, INC. 1 3.25% $3,199
OceanFirst Bank 1 2.88% $3,008
OCMBC, INC. 1 2.75% $9,096
Old National Bank 1 2.88% $7,671
Origin Bank 1 3.25% $6,125
Bank of England 1 3.13% $26,337

Heber, UT's 255 lenders originated 8,672 loans during 2021. The total origination value was $5,932,760,000, with an average loan value of $684,128.

The top Heber lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 670 loans originated. Their average total fees are $5,174, which is $93 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Heber lenders (with over 10 loans originated) are Strong Home Mortgage, LLC ($1,551), Wyndham Capital Mortgage, Inc. ($1,765), Low VA Rates, LLC ($1,875), NBKC BANK ($2,568) and FREEDOM MORTGAGE CORPORATION ($3,006).

The lowest rate Heber lenders (with over 10 loans originated) are Charles Schwab Bank, SSB (2.16%), Silicon Valley Bank (2.35%), BNY Mellon (2.45%), Bank of America (2.52%) and UBS Bank USA (2.60%).

Heber, UT Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
UNITED WHOLESALE MORTGAGE, LLC $314,200,000 $470,355,000 49.7% 7.9%
Wells Fargo Bank $366,195,000 $379,030,000 3.5% 6.4%
JPMorgan Chase Bank $302,025,000 $328,260,000 8.7% 5.5%
Zions Bancorporation, N.A. $246,450,000 $318,495,000 29.2% 5.4%
U.S. Bank $240,525,000 $287,565,000 19.6% 4.8%
QUICKEN LOANS, LLC $309,585,000 $232,860,000 -24.8% 3.9%
Bank of America $169,600,000 $224,540,000 32.4% 3.8%
Morgan Stanley Private Bank $95,190,000 $179,610,000 88.7% 3.0%
MOUNTAIN AMERICA $149,500,000 $179,545,000 20.1% 3.0%
First Republic Bank $88,415,000 $147,040,000 66.3% 2.5%
LOANDEPOT.COM, LLC $74,230,000 $133,990,000 80.5% 2.3%
SECURITY SERVICE $107,095,000 $133,825,000 25.0% 2.3%
INTERCAP LENDING INC. $158,600,000 $132,680,000 -16.3% 2.2%
Citibank $109,390,000 $110,830,000 1.3% 1.9%
UBS Bank USA $61,025,000 $90,005,000 47.5% 1.5%
Fortis Private Bank $54,210,000 $87,530,000 61.5% 1.5%
KeyBank $71,010,000 $86,390,000 21.7% 1.5%
GUILD MORTGAGE COMPANY $84,170,000 $82,765,000 -1.7% 1.4%
Charles Schwab Bank, SSB $41,100,000 $81,205,000 97.6% 1.4%
HOME POINT FINANCIAL CORPORATION $47,545,000 $71,400,000 50.2% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $95,820,000 $66,810,000 -30.3% 1.1%
UTAH COMMUNITY $92,110,000 $66,230,000 -28.1% 1.1%
SECURITYNATIONAL MORTGAGE COMPANY $89,165,000 $62,530,000 -29.9% 1.1%
GUARANTEED RATE, INC. $90,600,000 $62,355,000 -31.2% 1.1%
AMERICA FIRST $41,430,000 $56,750,000 37.0% 1.0%
Goldman Sachs Bank USA $47,105,000 $49,265,000 4.6% 0.8%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $32,290,000 $46,780,000 44.9% 0.8%
LENDSURE MORTGAGE CORP. $6,785,000 $43,650,000 543.3% 0.7%
CROSSCOUNTRY MORTGAGE, LLC $19,705,000 $41,735,000 111.8% 0.7%
VERITAS FUNDING, LLC $33,990,000 $40,935,000 20.4% 0.7%
CBRE MULTIFAMILY CAPITAL, INC. $39,825,000 n/a 0.7%
ACADEMY MORTGAGE CORPORATION $41,405,000 $39,145,000 -5.5% 0.7%
CALIBER HOME LOANS, INC. $43,875,000 $34,195,000 -22.1% 0.6%
Silicon Valley Bank $13,790,000 $33,165,000 140.5% 0.6%
BROKER SOLUTIONS, INC. $29,975,000 $32,460,000 8.3% 0.5%
City National Bank $25,190,000 $32,365,000 28.5% 0.5%
STEARNS LENDING, LLC $17,075,000 $31,820,000 86.4% 0.5%
AMERISAVE MORTGAGE CORPORATION $15,460,000 $30,210,000 95.4% 0.5%
CELEBRITY HOME LOANS, LLC $29,960,000 n/a 0.5%
PENNYMAC LOAN SERVICES, LLC $15,505,000 $29,660,000 91.3% 0.5%
FIRST COLONY MORTGAGE CORPORATION $24,785,000 $28,230,000 13.9% 0.5%
Raymond James Bank $22,945,000 $28,140,000 22.6% 0.5%
Glacier Bank $14,840,000 $27,990,000 88.6% 0.5%
BETTER MORTGAGE CORPORATION $15,340,000 $25,975,000 69.3% 0.4%
PNC Bank $14,160,000 $25,955,000 83.3% 0.4%
CITYWIDE HOME LOANS, LLC $24,675,000 $24,950,000 1.1% 0.4%
BNY Mellon $14,005,000 $24,090,000 72.0% 0.4%
NEXERA HOLDING LLC $7,005,000 $21,835,000 211.7% 0.4%
Flagstar Bank, FSB $27,085,000 $21,375,000 -21.1% 0.4%
MOVEMENT MORTGAGE, LLC $1,000,000 $19,675,000 1,867.5% 0.3%
NBH Bank $9,925,000 $19,390,000 95.4% 0.3%
FREEDOM MORTGAGE CORPORATION $23,590,000 $19,300,000 -18.2% 0.3%
CIBC Bank USA $7,880,000 $18,900,000 139.8% 0.3%
University First Federal Credit Union $18,930,000 $17,640,000 -6.8% 0.3%
MY MOVE MORTGAGE, LLC $19,540,000 $17,560,000 -10.1% 0.3%
Citadel Servicing Corporation $3,725,000 $17,160,000 360.7% 0.3%
AMWEST FUNDING CORP. $14,460,000 $16,675,000 15.3% 0.3%
PROVIDENT FUNDING ASSOCIATES, L.P. $26,565,000 $16,300,000 -38.6% 0.3%
Stifel Bank and Trust $14,480,000 $16,285,000 12.5% 0.3%
CANOPY MORTGAGE, LLC $14,115,000 $16,065,000 13.8% 0.3%
DIRECT MORTGAGE, CORP. $19,260,000 $15,770,000 -18.1% 0.3%
DHI MORTGAGE COMPANY, LTD. $1,595,000 $15,280,000 858.0% 0.3%
FINANCE OF AMERICA MORTGAGE LLC $7,985,000 $15,065,000 88.7% 0.3%
Bank of the West $4,865,000 $14,800,000 204.2% 0.2%
Axos Bank $4,420,000 $14,190,000 221.0% 0.2%
Chicago Mortgage Solutions LLC $2,835,000 $13,680,000 382.5% 0.2%
Washington Federal Bank $17,555,000 $13,530,000 -22.9% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $15,155,000 $12,540,000 -17.3% 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $2,425,000 $12,210,000 403.5% 0.2%
Comerica Bank $5,665,000 $12,025,000 112.3% 0.2%
NEWREZ LLC $5,975,000 $11,995,000 100.8% 0.2%
The Northern Trust Company $16,480,000 $11,415,000 -30.7% 0.2%
VAN DYK MORTGAGE CORPORATION $12,070,000 $11,050,000 -8.5% 0.2%
Ally Bank $1,905,000 $10,900,000 472.2% 0.2%
PREMIER AMERICA $10,510,000 n/a 0.2%
NBKC BANK $20,115,000 $10,330,000 -48.6% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $11,440,000 $10,320,000 -9.8% 0.2%
GUARANTEED RATE AFFINITY, LLC $5,545,000 $10,110,000 82.3% 0.2%
CYPRUS Federal Credit Union $9,520,000 $9,720,000 2.1% 0.2%
SECURITY HOME MORTGAGE, LLC. $16,925,000 $9,700,000 -42.7% 0.2%
Umpqua Bank $4,600,000 $9,635,000 109.5% 0.2%
TIAA, FSB $11,555,000 $9,390,000 -18.7% 0.2%
PENTAGON FEDERAL CREDIT UNION $4,330,000 $9,195,000 112.4% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $5,795,000 $9,095,000 56.9% 0.2%
Mortgage Research Center, LLC $5,500,000 $9,010,000 63.8% 0.2%
SourceOne Financial, Inc. $8,655,000 n/a 0.1%
PlainsCapital Bank $8,625,000 n/a 0.1%
RANLIFE, INC. $10,820,000 $8,530,000 -21.2% 0.1%
BMO Harris Bank $6,630,000 $8,215,000 23.9% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $9,700,000 $8,165,000 -15.8% 0.1%
PARKSIDE LENDING, LLC $16,675,000 $7,945,000 -52.4% 0.1%
First Horizon Bank $1,575,000 $7,855,000 398.7% 0.1%
LAKEVIEW LOAN SERVICING, LLC $3,735,000 $7,725,000 106.8% 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $3,305,000 $7,680,000 132.4% 0.1%
Strong Home Mortgage, LLC $6,200,000 $7,675,000 23.8% 0.1%
NAVY FEDERAL CREDIT UNION $10,265,000 $7,545,000 -26.5% 0.1%
Bank of Utah $11,050,000 $7,380,000 -33.2% 0.1%
Fulton Bank $7,125,000 n/a 0.1%
Grand Valley Bank $3,805,000 $7,020,000 84.5% 0.1%
UMB Bank $815,000 $6,940,000 751.5% 0.1%
City National Bank of Florida $615,000 $6,870,000 1,017.1% 0.1%
CMG MORTGAGE, INC. $3,535,000 $6,725,000 90.2% 0.1%
KINECTA $2,920,000 $6,725,000 130.3% 0.1%
MidFirst Bank $870,000 $6,720,000 672.4% 0.1%
EVERETT FINANCIAL, INC. $22,310,000 $6,675,000 -70.1% 0.1%
Northpointe Bank $6,990,000 $6,595,000 -5.7% 0.1%
GOLDENWEST $6,625,000 $6,545,000 -1.2% 0.1%
Hancock Whitney Bank $705,000 $6,320,000 796.5% 0.1%
LONGBRIDGE FINANCIAL, LLC $980,000 $6,320,000 544.9% 0.1%
ADVANCIAL $6,900,000 $6,220,000 -9.9% 0.1%
First United Bank and Trust Company $7,845,000 $6,165,000 -21.4% 0.1%
Truist Bank $33,590,000 $6,050,000 -82.0% 0.1%
Mortgage Bank of California $5,960,000 n/a 0.1%
5TH STREET CAPITAL, INC. $275,000 $5,915,000 2,050.9% 0.1%
Commerce Home Mortgage, Inc. $960,000 $5,915,000 516.1% 0.1%
North American Savings Bank, F.S.B. $8,625,000 $5,860,000 -32.1% 0.1%
KELLER MORTGAGE, LLC $5,950,000 $5,650,000 -5.0% 0.1%
AXIA FINANCIAL, LLC $2,405,000 $5,500,000 128.7% 0.1%
CASTLE & COOKE MORTGAGE, LLC $6,035,000 $5,300,000 -12.2% 0.1%
Broadway National Bank $2,705,000 $5,285,000 95.4% 0.1%
REVERSE MORTGAGE FUNDING LLC $1,685,000 $5,275,000 213.1% 0.1%
Luxury Mortgage Corp. $855,000 $5,215,000 509.9% 0.1%
FirstBank $7,445,000 $5,210,000 -30.0% 0.1%
Wyndham Capital Mortgage, Inc. $1,385,000 $5,210,000 276.2% 0.1%
Gateway First Bank $5,740,000 $5,190,000 -9.6% 0.1%
Deseret First Credit Union $2,580,000 $5,165,000 100.2% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $4,505,000 $5,095,000 13.1% 0.1%
Central Bank $9,555,000 $5,075,000 -46.9% 0.1%
UTAH FIRST $6,280,000 $4,765,000 -24.1% 0.1%
Goldwater Bank, N.A. $4,725,000 n/a 0.1%
BAY EQUITY LLC $4,140,000 $4,575,000 10.5% 0.1%
CHERRY CREEK MORTGAGE, LLC $5,390,000 $4,550,000 -15.6% 0.1%
Baxter Credit Union $2,790,000 $4,520,000 62.0% 0.1%
Network Funding, L.P. $7,335,000 $4,495,000 -38.7% 0.1%
CORNERSTONE HOME LENDING, INC. $2,325,000 $4,480,000 92.7% 0.1%
S1L, Inc. $11,820,000 $4,480,000 -62.1% 0.1%
FIRST TECHNOLOGY $3,320,000 $4,365,000 31.5% 0.1%
The Federal Savings Bank $12,005,000 $4,090,000 -65.9% 0.1%
Utah Mortgage Loan Corporation $2,515,000 $4,030,000 60.2% 0.1%
LOANPAL, LLC $3,640,000 $3,880,000 6.6% 0.1%
FINANCE OF AMERICA REVERSE LLC $2,505,000 $3,820,000 52.5% 0.1%
Century Mortgage Company DBA Century Lending Company $3,755,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $1,295,000 $3,750,000 189.6% 0.1%
Northwest Farm Credit Services, FLCA $3,655,000 n/a 0.1%
Heritage Bank $3,605,000 n/a 0.1%
Low VA Rates, LLC $5,410,000 $3,605,000 -33.4% 0.1%
SOFI LENDING CORP. $3,360,000 $3,465,000 3.1% 0.1%
Barrington Bank & Trust Company, N.A. $6,805,000 $3,435,000 -49.5% 0.1%
Veritex Community Bank $425,000 $3,390,000 697.6% 0.1%
HOMEXPRESS MORTGAGE CORP. $2,025,000 $3,340,000 64.9% 0.1%
AMERICAN ADVISORS GROUP $1,200,000 $3,265,000 172.1% 0.1%
Midland States Bank $3,205,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $920,000 $3,180,000 245.7% 0.1%
Pinnacle Bank $3,010,000 n/a 0.1%
The Farmers National Bank of Canfield $75,000 $3,005,000 3,906.7% 0.1%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $965,000 $2,980,000 208.8% 0.1%
Plains Commerce Bank $1,365,000 $2,975,000 117.9% 0.1%
LENDUS, LLC $2,970,000 n/a 0.1%
Watermark Capital, Inc. $1,095,000 $2,960,000 170.3% 0.0%
Monson Savings Bank $2,955,000 n/a 0.0%
First Interstate Bank $2,885,000 n/a 0.0%
Florida Capital Bank $2,765,000 $2,875,000 4.0% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $3,925,000 $2,865,000 -27.0% 0.0%
The Huntington National Bank $12,830,000 $2,855,000 -77.7% 0.0%
Old National Bank $2,765,000 n/a 0.0%
Farmers Bank & Trust $485,000 $2,750,000 467.0% 0.0%
GRANITE FEDERAL CREDIT UNION $3,670,000 $2,650,000 -27.8% 0.0%
BLUE BRICK FINANCIAL LLC $1,020,000 $2,620,000 156.9% 0.0%
Origin Bank $2,505,000 n/a 0.0%
UNITED SECURITY FINANCIAL CORP $915,000 $2,490,000 172.1% 0.0%
Resource Bank $9,115,000 $2,475,000 -72.8% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $3,285,000 $2,430,000 -26.0% 0.0%
CHEVRON $2,420,000 n/a 0.0%
PHH Mortgage Corporation $1,155,000 $2,420,000 109.5% 0.0%
Arvest Bank $3,130,000 $2,410,000 -23.0% 0.0%
Citizens Bank $455,000 $2,405,000 428.6% 0.0%
Independent Bank $1,305,000 $2,340,000 79.3% 0.0%
Affiliated Bank $755,000 $2,280,000 202.0% 0.0%
Rock Canyon Bank $2,070,000 $2,270,000 9.7% 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $2,425,000 $2,225,000 -8.2% 0.0%
USAA Federal Savings Bank $6,475,000 $2,220,000 -65.7% 0.0%
Nations Lending Corporation $2,410,000 $2,145,000 -11.0% 0.0%
LIMA ONE CAPITAL, LLC $2,065,000 n/a 0.0%
EMIGRANT MORTGAGE COMPANY, INC. $2,025,000 n/a 0.0%
First Guaranty Mortgage Corporation $1,355,000 $2,025,000 49.4% 0.0%
First Home Bank $1,365,000 $2,025,000 48.4% 0.0%
BLUELEAF LENDING, LLC $980,000 $1,980,000 102.0% 0.0%
Stock Yards Bank & Trust Company $1,955,000 n/a 0.0%
Sunflower Bank $955,000 $1,910,000 100.0% 0.0%
Inwood National Bank $1,885,000 n/a 0.0%
Paramount Bank $305,000 $1,860,000 509.8% 0.0%
Commerce Bank $8,375,000 $1,850,000 -77.9% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $2,090,000 $1,820,000 -12.9% 0.0%
EVERLEND MORTGAGE COMPANY $2,670,000 $1,800,000 -32.6% 0.0%
BOKF $4,685,000 $1,720,000 -63.3% 0.0%
First Midwest Bank $2,175,000 $1,685,000 -22.5% 0.0%
V.I.P. MORTGAGE, INC. $1,305,000 $1,685,000 29.1% 0.0%
Fifth Third Bank $3,485,000 $1,665,000 -52.2% 0.0%
CALCON MUTUAL MORTGAGE LLC $5,860,000 $1,655,000 -71.8% 0.0%
NEST HOME LENDING, LLC $1,675,000 $1,565,000 -6.6% 0.0%
Toyota Financial Savings Bank $3,330,000 $1,565,000 -53.0% 0.0%
Prosperity Home Mortgage, LLC $695,000 $1,560,000 124.5% 0.0%
BNC National Bank $3,150,000 $1,545,000 -51.0% 0.0%
Bank of England $740,000 $1,540,000 108.1% 0.0%
Cf Bank $2,585,000 $1,540,000 -40.4% 0.0%
CIT Bank $3,535,000 $1,530,000 -56.7% 0.0%
A&D Mortgage LLC $1,505,000 n/a 0.0%
PREMIA MORTGAGE, LLC $95,000 $1,435,000 1,410.5% 0.0%
The Loan Store, Inc. $1,435,000 $1,395,000 -2.8% 0.0%
UNIVERSAL LENDING CORPORATION $1,375,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $2,450,000 $1,340,000 -45.3% 0.0%
J. VIRGIL, INC. $445,000 $1,340,000 201.1% 0.0%
United Nations Federal Credit Union $2,500,000 $1,330,000 -46.8% 0.0%
SUN AMERICAN MORTGAGE COMPANY $255,000 $1,320,000 417.6% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $1,540,000 $1,310,000 -14.9% 0.0%
EVANSVILLE TEACHERS $905,000 $1,305,000 44.2% 0.0%
WRIGHT-PATT CREDIT UNION, INC. $1,305,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $515,000 $1,295,000 151.5% 0.0%
Triumph Bank $515,000 $1,265,000 145.6% 0.0%
Texas Capital Bank $1,255,000 n/a 0.0%
DELTA COMMUNITY CREDIT UNION $4,280,000 $1,225,000 -71.4% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $1,385,000 $1,225,000 -11.6% 0.0%
Choice Financial Group $1,205,000 n/a 0.0%
Manufacturers and Traders Trust Company $1,160,000 $1,175,000 1.3% 0.0%
NATIONS RELIABLE LENDING, LLC $1,170,000 n/a 0.0%
The Central Trust Bank $1,165,000 n/a 0.0%
MOUNTAIN WEST FINANCIAL, INC. $600,000 $1,145,000 90.8% 0.0%
LEADERONE FINANCIAL CORPORATION $2,885,000 $1,135,000 -60.7% 0.0%
Cache Valley Bank $2,945,000 $1,110,000 -62.3% 0.0%
HOMESTEAD FUNDING CORP. $735,000 $1,105,000 50.3% 0.0%
GENEVA FINANCIAL, LLC $205,000 $1,100,000 436.6% 0.0%
Hercules First Federal Credit Union $1,100,000 n/a 0.0%
Cornerstone First Mortgage, Inc $710,000 $1,090,000 53.5% 0.0%
The Union Bank Company $610,000 $1,060,000 73.8% 0.0%
Bell Bank $1,005,000 n/a 0.0%
First National Bank of Omaha $1,005,000 n/a 0.0%
FUNDLOANS CAPITAL $1,005,000 n/a 0.0%
COMMUNITYAMERICA $995,000 n/a 0.0%
STANFORD Federal Credit Union $985,000 n/a 0.0%
ATHAS CAPITAL GROUP, INC. $3,700,000 $970,000 -73.8% 0.0%
Midwest Community Bank $965,000 n/a 0.0%
Wilmington Savings Fund Society, FSB $945,000 n/a 0.0%
First Western Trust Bank $840,000 $930,000 10.7% 0.0%
First International Bank & Trust $920,000 n/a 0.0%
Citizens Business Bank $895,000 n/a 0.0%
GEORGIA'S OWN $870,000 n/a 0.0%
Frontier Bank $835,000 n/a 0.0%
Notre Dame Federal Credit Union Corporation $4,035,000 $830,000 -79.4% 0.0%
Amerifirst Financial, Inc. $1,105,000 $815,000 -26.2% 0.0%
Lake Area Bank $815,000 n/a 0.0%
TRANSWEST CREDIT UNION $1,150,000 $805,000 -30.0% 0.0%
Evolve Bank & Trust $990,000 $800,000 -19.2% 0.0%
First Merchants Bank $2,280,000 $800,000 -64.9% 0.0%
Citizens National Bank, N.A. $795,000 n/a 0.0%
Ameris Bank $365,000 $790,000 116.4% 0.0%
Independent Bank $1,305,000 $785,000 -39.8% 0.0%
WEBER STATE FEDERAL CREDIT UNION $775,000 n/a 0.0%
Bank-Fund Staff Federal Credit Union $745,000 n/a 0.0%
Equity Prime Mortgage LLC $745,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $355,000 $725,000 104.2% 0.0%
Citywide Banks $705,000 n/a 0.0%
DIRECTIONS EQUITY, LLC $705,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $2,890,000 $700,000 -75.8% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,775,000 $670,000 -82.3% 0.0%
MEGASTAR FINANCIAL CORP. $255,000 $665,000 160.8% 0.0%
CIVIC FINANCIAL SERVICES, LLC $1,575,000 $655,000 -58.4% 0.0%
FineMark National Bank & Trust $655,000 n/a 0.0%
Willamette Valley Bank $645,000 $650,000 0.8% 0.0%
Gulf Coast Bank and Trust Company $265,000 $645,000 143.4% 0.0%
American Airlines Federal Credit Union $1,395,000 $635,000 -54.5% 0.0%
Quad City Bank and Trust Company $625,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $2,770,000 $600,000 -78.3% 0.0%
JMJ FINANCIAL GROUP $800,000 $595,000 -25.6% 0.0%
First Bankers Trust Company $585,000 n/a 0.0%
ALLIANT CREDIT UNION $720,000 $575,000 -20.1% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $560,000 n/a 0.0%
OCMBC, INC. $1,960,000 $555,000 -71.7% 0.0%
NFM, INC. $445,000 $545,000 22.5% 0.0%
Peoples Bank $545,000 n/a 0.0%
Utah Power $225,000 $545,000 142.2% 0.0%
WesBanco Bank, Inc. $1,205,000 $545,000 -54.8% 0.0%
Home Bank $540,000 n/a 0.0%
AMERICAN UNITED FAMILY OF CREDIT UN $1,780,000 $530,000 -70.2% 0.0%
AUSTIN TELCO Federal Credit Union $525,000 n/a 0.0%
RBC Bank, (Georgia) $525,000 n/a 0.0%
First Bank of Manhattan $515,000 n/a 0.0%
Northwestern Bank $515,000 n/a 0.0%
Atlantic Union Bank $505,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $565,000 $505,000 -10.6% 0.0%
HAMILTON HOME LOANS, INC. $485,000 n/a 0.0%
Firefighters First Federal Credit Union $475,000 n/a 0.0%
Level One Bank $475,000 n/a 0.0%
Texana Bank $475,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $1,490,000 $465,000 -68.8% 0.0%
Bank of Springfield $455,000 n/a 0.0%
BEEHIVE $455,000 n/a 0.0%
IMPAC MORTGAGE CORP. $115,000 $450,000 291.3% 0.0%
CHARTWAY FEDERAL CREDIT UNION $155,000 $445,000 187.1% 0.0%
D. L. Evans Bank $725,000 $445,000 -38.6% 0.0%
CHURCHILL MORTGAGE CORPORATION $440,000 n/a 0.0%
HomeTrust Bank $435,000 n/a 0.0%
OceanFirst Bank $435,000 n/a 0.0%
Red River Bank $1,505,000 $435,000 -71.1% 0.0%
First National Bank of America $195,000 $415,000 112.8% 0.0%
INLAND BANK & TRUST $1,710,000 $415,000 -75.7% 0.0%
First Savings Bank $405,000 n/a 0.0%
SUMA YONKERS Federal Credit Union $405,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $375,000 n/a 0.0%
MIDWEST LOAN SOLUTIONS, INC. $375,000 n/a 0.0%
Truity Federal Credit Union $375,000 n/a 0.0%
Waterstone Mortgage Corporation $375,000 n/a 0.0%
Financial Federal Bank $365,000 n/a 0.0%
EAGLE HOME MORTGAGE, LLC $800,000 $355,000 -55.6% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $4,985,000 $355,000 -92.9% 0.0%
MID AMERICA MORTGAGE, INC. $345,000 n/a 0.0%
Carrington Mortgage Services, LLC $360,000 $330,000 -8.3% 0.0%
AEROSPACE FEDERAL CREDIT UNION $325,000 n/a 0.0%
Hometown Lenders, Inc. $105,000 $325,000 209.5% 0.0%
Citizens National Bank of Greater St. Louis $305,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $3,550,000 $305,000 -91.4% 0.0%
MORIA DEVELOPMENT, INC. $1,235,000 $295,000 -76.1% 0.0%
Nicolet National Bank $285,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $3,930,000 $275,000 -93.0% 0.0%
Oakstar Bank $355,000 $265,000 -25.4% 0.0%
BM Real Estate Services, Inc. $1,510,000 $255,000 -83.1% 0.0%
DATA MORTGAGE, INC. $305,000 $245,000 -19.7% 0.0%
GoPrime Mortgage, Inc. $330,000 $235,000 -28.8% 0.0%
Gold Coast Bank $225,000 n/a 0.0%
Alaska USA Federal Credit Union $690,000 $205,000 -70.3% 0.0%
National Exchange Bank and Trust $205,000 n/a 0.0%
Discover Bank $660,000 $190,000 -71.2% 0.0%
Austin Capital Bank SSB $730,000 $185,000 -74.7% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $185,000 n/a 0.0%
Prosperity Bank $185,000 n/a 0.0%
TCF National Bank $2,970,000 $180,000 -93.9% 0.0%
EASTMAN $175,000 n/a 0.0%
Wasatch Peaks Federal Credit Union $1,690,000 $165,000 -90.2% 0.0%
21ST MORTGAGE CORPORATION $155,000 n/a 0.0%
Valley National Bank $155,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $375,000 $135,000 -64.0% 0.0%

Heber's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 7.9% market share. In second place, with 6.4%, is Wells Fargo Bank, having originated $379,030,000 in loans. In third place, with 5.5%, is JPMorgan Chase Bank, having originated $328,260,000 in loans. In third place, with 5.4%, is Zions Bancorporation, N.A., having originated $318,495,000 in loans. In third place, with 4.8%, is U.S. Bank, having originated $287,565,000 in loans.


Heber, UT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 3,076 $1,700,240,000 $552,744
Home Purchase 2,665 $2,492,355,000 $935,218
Cash Out Refi 1,864 $1,076,890,000 $577,731
Home Improvement 561 $135,605,000 $241,720
Other 505 $526,355,000 $1,042,287
NA 1 $1,315,000 $1,315,000

Heber's most frequently cited loan purpose was Refi, with 3,076 originations. The 2nd most popular reason was Home Purchase, with 2,665 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 3,546 $2,432,220,000 $685,905
3-4% 2,560 $1,479,460,000 $577,914
<2.5% 1,962 $1,672,620,000 $852,508
4-5% 382 $166,700,000 $436,387
5-6% 99 $41,685,000 $421,061
6-7% 28 $5,610,000 $200,357
Over 8% 22 $9,230,000 $419,545
7-8% 9 $3,855,000 $428,333

During 2021, Heber's most frequently originated rate bucket was 2.5-3%, with 3,546 originations.

Loan Sizing (Heber, UT MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 2,588 $773,890,000 $299,030
$400k-600k 1,972 $965,080,000 $489,391
$600k-1000k 1,547 $1,167,715,000 $754,825
$Over $1MM 1,390 $2,884,530,000 $2,075,201
$100k-200k 785 $117,885,000 $150,172
$100,000 or less 390 $23,660,000 $60,667

Heber's loan sizing saw the bucket of loans from $200k-400k with 2,588 originations, totaling $773,890,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 2,715 $2,444,205,000 $900,260
40-60% 2,255 $1,613,275,000 $715,421
20-40% 1,636 $744,570,000 $455,116
80-100% 1,068 $807,710,000 $756,283
Under 20% 852 $160,220,000 $188,052
Over 100% 15 $13,775,000 $918,333

Heber's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,715 originations, totaling $2,444,205,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Heber (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 $620,450 (6.6%) $1,043,395 (7.3%) 0.00 378
2018-02-01 $644,450 (7.6%) $1,032,958 (1.9%) 0.00 369
2018-03-01 $649,900 (8.9%) $1,052,000 (2.2%) 0.00 386
2018-04-01 $654,500 (10.0%) $1,023,100 (7.0%) 0.00 411
2018-05-01 $655,950 (9.3%) $987,892 (0.4%) 0.00 449
2018-06-01 $660,000 (7.2%) $1,001,227 (6.2%) 0.00 481
2018-07-01 $679,250 (13.3%) $1,046,981 (14.4%) 0.00 472
2018-08-01 $674,500 (11.4%) $1,023,148 (12.7%) 0.00 504
2018-09-01 $694,500 (15.9%) $1,052,672 (15.3%) 0.00 496
2018-10-01 $699,900 (12.9%) $1,057,142 (12.8%) 0.00 488
2018-11-01 $739,900 (17.1%) $1,073,897 (7.4%) 0.00 458
2018-12-01 $699,900 (16.8%) $1,068,130 (10.2%) 0.00 445
2019-01-01 $694,450 (11.9%) $1,079,969 (3.5%) 0.00 416
2019-02-01 $693,000 (7.5%) $1,061,530 (2.8%) 0.00 404
2019-03-01 $690,143 (6.2%) $1,076,797 (2.4%) 0.00 407
2019-04-01 $715,000 (9.2%) $1,114,421 (8.9%) 0.00 418
2019-05-01 $754,500 (15.0%) $1,122,607 (13.6%) 0.00 455
2019-06-01 $765,000 (15.9%) $1,130,374 (12.9%) 0.00 487
2019-07-01 $734,381 (8.1%) $1,101,233 (5.2%) 0.00 529
2019-08-01 $705,286 (4.6%) $1,098,765 (7.4%) 0.00 563
2019-09-01 $717,786 (3.4%) $1,155,407 (9.8%) 0.00 562
2019-10-01 $767,450 (9.7%) $1,287,700 (21.8%) 0.00 511
2019-11-01 $775,000 (4.7%) $1,315,891 (22.5%) 0.00 528
2019-12-01 $815,750 (16.6%) $1,332,235 (24.7%) 0.00 496
2020-01-01 $850,000 (22.4%) $1,414,668 (31.0%) 0.00 453
2020-02-01 $829,000 (19.6%) $1,368,755 (28.9%) 0.00 408
2020-03-01 $785,950 (13.9%) $1,314,642 (22.1%) 0.00 416
2020-04-01 $752,733 (5.3%) $1,182,286 (6.1%) 0.00 454
2020-05-01 $777,500 (3.1%) $1,145,796 (2.1%) 0.00 584
2020-06-01 $776,200 (1.5%) $1,191,167 (5.4%) 0.00 566
2020-07-01 $790,450 (7.6%) $1,332,161 (21.0%) 0.00 529
2020-08-01 $829,999 (17.7%) $1,409,742 (28.3%) 0.00 464
2020-09-01 $879,450 (22.5%) $1,585,569 (37.2%) 0.00 386
2020-10-01 $874,900 (14.0%) $1,567,537 (21.7%) 0.00 334
2020-11-01 $934,900 (20.6%) $1,868,805 (42.0%) 0.00 287
2020-12-01 $935,450 (14.7%) $1,891,073 (42.0%) 0.00 250
2021-01-01 $936,000 (10.1%) $1,995,530 (41.1%) 0.00 204
2021-02-01 $930,750 (12.3%) $2,225,922 (62.6%) 0.00 167
2021-03-01 $982,400 (25.0%) $2,267,479 (72.5%) 0.00 167
2021-04-01 $952,500 (26.5%) $2,251,969 (90.5%) 0.00 174
2021-05-01 $980,000 (26.1%) $1,975,264 (72.4%) 0.00 195
2021-06-01 $954,450 (23.0%) $1,814,922 (52.4%) 0.00 242
2021-07-01 $1,100,000 (39.2%) $1,766,704 (32.6%) 0.00 243
2021-08-01 $1,084,500 (30.7%) $1,719,185 (22.0%) 0.00 229
2021-09-01 $1,094,500 (24.5%) $1,588,665 (0.2%) 0.00 230
2021-10-01 $1,039,000 (18.8%) $1,761,303 (12.4%) 0.00 224
2021-11-01 $1,362,500 (45.7%) $1,931,937 (3.4%) 0.00 184
2021-12-01 $1,495,000 (59.8%) $1,996,273 (5.6%) 0.00 168
2022-01-01 $1,500,000 (60.3%) $1,986,367 (-0.5%) 0.00 155
2022-02-01 $1,512,500 (62.5%) $1,910,218 (-14.2%) 0.00 140
2022-03-01 $1,699,900 (73.0%) $2,204,551 (-2.8%) 0.00 143
2022-04-01 $1,700,000 (78.5%) $2,254,646 (0.1%) 0.00 166
2022-05-01 $1,572,500 (60.5%) $2,010,381 (1.8%) 0.00 246
2022-06-01 $1,460,000 (53.0%) $2,037,796 (12.3%) 0.00 341
Heber's median listing price for 2022-06-01 was $1,460,000, a difference of $505,550 (53.0%) versus the prior year and $-112,500 versus the prior month.

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

Heber's average listing price for 2022-06-01 was $2,037,796, a difference of $222,874 (12.3%) versus the prior year and $27,415 versus the prior month.

For the 2022-06-01 period, Heber had 341 MLS listings, a difference of 95 listings (39%) versus the prior month and 99 listings (41%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Heber (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 3,097 sqft
2018-02-01 0 days 3,147 sqft
2018-03-01 0 days 3,304 sqft
2018-04-01 0 days 3,415 sqft
2018-05-01 0 days 3,439 sqft
2018-06-01 0 days 3,473 sqft
2018-07-01 0 days 3,473 sqft
2018-08-01 0 days 3,436 sqft
2018-09-01 0 days 3,509 sqft
2018-10-01 0 days 3,614 sqft
2018-11-01 0 days 3,621 sqft
2018-12-01 0 days 3,500 sqft
2019-01-01 0 days 3,500 sqft
2019-02-01 0 days 3,444 sqft
2019-03-01 0 days 3,375 sqft
2019-04-01 0 days 3,468 sqft
2019-05-01 0 days 3,491 sqft
2019-06-01 0 days 3,463 sqft
2019-07-01 0 days 3,393 sqft
2019-08-01 0 days 3,352 sqft
2019-09-01 0 days 3,287 sqft
2019-10-01 0 days 3,467 sqft
2019-11-01 0 days 3,450 sqft
2019-12-01 0 days 3,428 sqft
2020-01-01 0 days 3,444 sqft
2020-02-01 0 days 3,408 sqft
2020-03-01 0 days 3,391 sqft
2020-04-01 0 days 3,270 sqft
2020-05-01 0 days 3,160 sqft
2020-06-01 0 days 3,117 sqft
2020-07-01 0 days 3,214 sqft
2020-08-01 0 days 3,250 sqft
2020-09-01 0 days 3,380 sqft
2020-10-01 0 days 3,220 sqft
2020-11-01 0 days 3,239 sqft
2020-12-01 0 days 3,237 sqft
2021-01-01 0 days 3,234 sqft
2021-02-01 0 days 3,330 sqft
2021-03-01 0 days 3,319 sqft
2021-04-01 0 days 3,348 sqft
2021-05-01 0 days 3,360 sqft
2021-06-01 0 days 3,291 sqft
2021-07-01 0 days 3,474 sqft
2021-08-01 0 days 3,517 sqft
2021-09-01 0 days 3,505 sqft
2021-10-01 0 days 3,323 sqft
2021-11-01 0 days 3,529 sqft
2021-12-01 0 days 3,512 sqft
2022-01-01 0 days 3,250 sqft
2022-02-01 0 days 3,015 sqft
2022-03-01 0 days 3,253 sqft
2022-04-01 0 days 3,439 sqft
2022-05-01 0 days 3,391 sqft
2022-06-01 0 days 3,341 sqft
Heber's median listing age (time on market) for 2022-06-01 was 0 days.

Heber's median square footage for active listings during the 2022-06-01 period was 3,341 sqft. One year prior, the average listing was 3,291 sqft.