Heber Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Heber averaged 6.88% for the week of 2024-05-23, compared to the national average of 6.94% for the same period.

The average rate for the prior week (2024-05-16) was 6.66% and one month ago for the week of 2024-04-18, the average rate was 7.04%.

Heber's average rate one year ago was 6.23%.

For refis of the same type during the week of 2024-05-23, the average rate was 7.02%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-23 6.94%
Heber 30 Year Fixed Rate 2024-05-23 6.88%
Heber 30 Year Fixed Rate Refi 2024-05-23 7.02%
Heber 15 Year Fixed Rate 2024-05-23 6.24%
Heber 15 Year Fixed Rate Refi 2024-05-23 6.84%
Heber 30 Year FHA 2024-05-23 6.55%
Heber 30 Year FHA Refi 2024-05-23 6.75%
Heber 30 Year USDA 2024-05-23 6.84%
Heber 30 Year USDA Refi 2024-05-23 6.64%
Heber 30 Year VA 2024-05-23 6.77%
Heber 30 Year VA Refi 2024-05-23 6.37%
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 lender, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 111 6.79% $10,050
SECURITY SERVICE 86 6.22% $17,005
U.S. Bank 71 6.39% $12,439
INTERCAP LENDING INC. 60 6.78% $7,442
Wells Fargo Bank 58 5.20% $8,061
QUICKEN LOANS, LLC 56 6.81% $10,185
Zions Bank 51 6.16% $8,043
MY MOVE MORTGAGE, LLC 49 6.75% $8,723
Citibank 39 5.34% $6,275
Morgan Stanley Private Bank 36 5.53% $6,089
JPMorgan Chase Bank 33 5.91% $12,837
FIRST COLONY MORTGAGE CORPORATION 30 6.76% $10,091
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 29 6.95% $7,701
Washington Federal Bank 21 6.36% $24,079
Bank of America 20 5.95% $8,770
UBS Bank USA 18 5.88% $9,434
SECURITYNATIONAL MORTGAGE COMPANY 17 6.90% $12,260
CROSSCOUNTRY MORTGAGE, LLC 16 7.17% $11,424
EAGLE HOME MORTGAGE, LLC 15 5.47% $8,641
Charles Schwab Bank, SSB 13 5.82% $5,565
Goldman Sachs Bank USA 11 5.93% $7,715
UTAH COMMUNITY 11 6.95% $7,326
First-Citizens Bank & Trust Company 11 5.53% $4,777
GUILD MORTGAGE COMPANY 11 6.82% $16,987
MOUNTAIN AMERICA 10 6.17% $8,864
PENNYMAC LOAN SERVICES, LLC 9 7.08% $7,810
Raymond James Bank 8 5.28% $4,608
NEWREZ LLC 8 7.20% $10,186
CARDINAL FINANCIAL 8 6.70% $9,811
BNY Mellon 8 5.86% $7,136
BMO Harris Bank 8 6.13% $11,847
Stifel Bank and Trust 8 5.91% $3,708
ADVANCIAL 7 8.04% $12,765
ACADEMY MORTGAGE CORPORATION 7 6.96% $17,781
SECURITY HOME MORTGAGE, LLC. 7 6.43% $12,516
KeyBank 7 6.75% $6,556
Bank of Utah 7 6.66% $14,143
LOANDEPOT.COM, LLC 6 6.48% $7,367
American Mortgage & Equity Consultants, Inc. 6 7.00% $14,027
LENDSURE MORTGAGE CORP. 6 8.17% $23,024
University First Federal Credit Union 6 6.06% $10,660
Glacier Bank 6 6.63% $17,448
The Huntington National Bank 6 6.63% $7,329
MidFirst Bank 5 6.73% $19,423
City National Bank 5 5.62% $8,978
VAN DYK MORTGAGE CORPORATION 5 6.65% $12,106
VERITAS FUNDING, LLC 5 6.98% $11,296
AMERICA FIRST 5 6.68% $8,487
Century Mortgage Company DBA Century Lending Company 4 7.00% $7,342
DEEPHAVEN MORTGAGE LLC 4 8.09% $19,330
Truist 4 5.95% $7,592
PNC Bank 4 5.69% $8,465
PROVIDENT FUNDING ASSOCIATES, L.P. 4 6.13% $15,511
NEXERA HOLDING LLC 4 7.44% $19,075
Flagstar Bank, FSB 4 7.08% $7,150
BROKER SOLUTIONS, INC. 4 7.50% $6,875
Northpointe Bank 4 6.56% $11,757
NAVY FEDERAL CREDIT UNION 4 6.47% $10,145
First Republic Bank 4 4.99% $6,509
RANLIFE, INC. 3 7.49% $20,122
Plains Commerce Bank 3 6.46% $11,889
CITYWIDE HOME LOANS, LLC 3 6.79% $7,617
UNION HOME MORTGAGE CORP. 3 6.92% $6,344
NP, Inc. 3 8.58% $14,951
ARC HOME LLC 3 8.21% $14,001
GUARANTEED RATE AFFINITY, LLC 3 6.74% $7,888
GUARANTEED RATE, INC. 3 7.21% $6,866
CASTLE & COOKE MORTGAGE, LLC 3 7.16% $7,676
HOMEXPRESS MORTGAGE CORP. 3 8.17% $21,199
KINECTA 3 6.54% $11,861
NATIONS RELIABLE LENDING, LLC 3 6.04% $5,467
Citizens Bank 2 6.81% $9,990
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 7.75% $13,256
Deseret First Credit Union 2 6.81% $7,853
Ameris Bank 2 7.06% $16,644
CANOPY MORTGAGE, LLC 2 6.88% $5,374
United Nations Federal Credit Union 2 6.00% $4,469
Deere Employees Credit Union 2 5.63% $3,693
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.94% $7,074
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 7.93% $11,089
The Loan Store, Inc. 2 7.56% $5,007
AMERICAN PACIFIC MORTGAGE CORPORATION 2 7.63% $11,542
Pinnacle Bank 2 6.56% $4,727
HSBC BANK USA, NATIONAL ASSOCIATION 2 6.43% $5,266
NBKC BANK 2 5.81% $27,553
SWBC MORTGAGE CORPORATION 2 6.75% $12,410
Citadel Servicing Corporation 2 9.25% $9,875
SUN WEST MORTGAGE COMPANY, INC. 2 7.19% $10,522
Mr. Cooper ( Nationstar Mortgage ) 2 6.49% $16,924
CORNERSTONE HOME LENDING, INC. 2 7.00% $12,416
CHARTWAY FEDERAL CREDIT UNION 2 6.31% $8,526
Baxter Credit Union 2 6.50% $11,907
Fifth Third Bank 2 6.19% $6,983
BETTER MORTGAGE CORPORATION 2 5.94% $10,683
NMSI, INC. 2 7.00% $11,281
CMG MORTGAGE, INC. 2 7.75% $4,408
EVERETT FINANCIAL, INC. 2 7.06% $17,649
DIRECT MORTGAGE, CORP. 2 6.25% $13,435
Cache Valley Bank 2 6.75% $21,720
M&T Bank 1 6.38% $11,466
Affiliated Bank 1 7.63% $24,003
ALLIANT CREDIT UNION 1 7.13% $4,492
AMERICAN FINANCING CORPORATION 1 6.88% $14,428
AmeriHome Mortgage Company, LLC 1 6.50% $5,004
AMERISAVE MORTGAGE CORPORATION 1 6.38% $5,973
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.75% $18,814
AXIA FINANCIAL, LLC 1 7.13% $14,021
Axos Bank 1 7.25% $10,731
Barrington Bank & Trust Company, N.A. 1 6.50% $12,011
BAY EQUITY LLC 1 6.49% $7,538
Bethpage Federal Credit Union 1 7.50% $5,613
BNC National Bank 1 5.50% $4,349
BOKF 1 6.38% $3,968
CALCON MUTUAL MORTGAGE LLC 1 7.00% $7,287
CALIBER HOME LOANS, INC. 1 6.00% $16,618
Chicago Mortgage Solutions LLC 1 5.63% $8,319
CIBC Bank USA 1 6.38% $4,827
Commerce Bank 1 3.00% $10,329
Commerce Home Mortgage, Inc. 1 9.25% $12,047
Cornerstone First Mortgage, Inc 1 7.38% $4,391
CYPRUS Federal Credit Union 1 7.75% $10,297
DELTA COMMUNITY CREDIT UNION 1 6.50% $9,562
Farmers Bank & Trust 1 5.88% $3,639
Firefighters First Federal Credit Union 1 6.63% $3,101
First Bank 1 7.25% $12,294
First Financial Bank 1 6.75% $7,673
First National Bank of America 1 9.13% $17,325
First Savings Bank 1 6.63% $5,872
First State Bank 1 4.44% $14,489
FREEDOM MORTGAGE CORPORATION 1 8.38% $3,396
FUNDLOANS CAPITAL 1 8.99% $19,321
GOLDENWEST 1 6.50% $3,152
GRANITE FEDERAL CREDIT UNION 1 7.88% $8,668
HOMESIDE FINANCIAL, LLC 1 6.50% $23,511
Jordan Federal Credit Union 1 6.99% $3,550
LAKE MICHIGAN CREDIT UNION 1 5.50% $5,673
Landmark National Bank 1 6.00% $4,520
Mortgage Bank of California 1 9.88% $14,559
Academy Bank 1 7.13% $3,559
NBH Bank 1 6.77% $1,703
NexBank 1 7.75% $14,059
Northwest Farm Credit Services, FLCA 1 6.75% $3,703
OAKTREE FUNDING CORP. 1 7.88% $23,021
OCMBC, INC. 1 9.00% $71,387
Paramount Residential Mortgage Group, Inc. 1 7.38% $3,328
PENTAGON FEDERAL CREDIT UNION 1 7.13% $8,807
PLAZA HOME MORTGAGE, INC. 1 6.88% $3,695
Renasant Bank 1 5.50% $5,077
Sierra Pacific Mortgage Company, Inc. 1 5.99% $3,099
STAR Financial Bank 1 5.25% $4,105
STAR ONE CREDIT UNION 1 5.75% $3,702
The Northern Trust Company 1 6.25% $11,906
UMB Bank 1 7.14% $8,359
USAA Federal Savings Bank 1 6.75% $4,547
Utah Mortgage Loan Corporation 1 6.88% $3,662
Watermark Capital, Inc. 1 7.99% $5,898
Willamette Valley Bank 1 7.88% $16,311
Wyndham Capital Mortgage, Inc. 1 5.13% $13,600

Heber Average Closing Costs & Other Stats

Heber, UT's 158 lenders originated 2,626 loans during 2023. The total origination value was $2,177,670,000, with an average loan value of $829,273.

Heber's average closing costs are $6,458.

The top Heber lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 111 loans originated. Their average total fees are $10,050, which is $6,954 lower than the next largest lender, SECURITY SERVICE.

The lowest fee Heber lenders (with over 10 loans originated) are First-Citizens Bank & Trust Company ($4,777), Charles Schwab Bank, SSB ($5,565), Morgan Stanley Private Bank ($6,089), Citibank ($6,275) and UTAH COMMUNITY ($7,326).

The lowest rate Heber lenders (with over 10 loans originated) are Wells Fargo Bank (5.20%), Citibank (5.34%), EAGLE HOME MORTGAGE, LLC (5.47%), Morgan Stanley Private Bank (5.53%) and First-Citizens Bank & Trust Company (5.53%).

Heber, UT Mortgage 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Zions Bank $444,950,000 $198,410,000 -55.4% 9.1%
U.S. Bank $212,525,000 $155,560,000 -26.8% 7.1%
SECURITY SERVICE $158,360,000 $129,465,000 -18.2% 5.9%
JPMorgan Chase Bank $238,280,000 $102,275,000 -57.1% 4.7%
UNITED WHOLESALE MORTGAGE, LLC $150,025,000 $96,720,000 -35.5% 4.4%
Citibank $98,090,000 $92,220,000 -6.0% 4.2%
Wells Fargo Bank $214,790,000 $82,630,000 -61.5% 3.8%
Morgan Stanley Private Bank $119,070,000 $79,015,000 -33.6% 3.6%
Bank of America $176,645,000 $66,810,000 -62.2% 3.1%
INTERCAP LENDING INC. $84,145,000 $60,435,000 -28.2% 2.8%
MOUNTAIN AMERICA $135,370,000 $56,900,000 -58.0% 2.6%
UBS Bank USA $102,545,000 $56,310,000 -45.1% 2.6%
AMERICA FIRST $78,130,000 $46,610,000 -40.3% 2.1%
CBRE MULTIFAMILY CAPITAL, INC. $43,765,000 n/a 2.0%
QUICKEN LOANS, LLC $76,365,000 $40,315,000 -47.2% 1.9%
Goldman Sachs Bank USA $32,255,000 $35,935,000 11.4% 1.7%
MY MOVE MORTGAGE, LLC $13,685,000 $30,835,000 125.3% 1.4%
Washington Federal Bank $38,060,000 $28,195,000 -25.9% 1.3%
UTAH COMMUNITY $31,005,000 $25,745,000 -17.0% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $21,740,000 $19,540,000 -10.1% 0.9%
SECURITYNATIONAL MORTGAGE COMPANY $32,915,000 $19,500,000 -40.8% 0.9%
FIRST COLONY MORTGAGE CORPORATION $18,760,000 $19,320,000 3.0% 0.9%
Glacier Bank $40,260,000 $19,010,000 -52.8% 0.9%
Charles Schwab Bank, SSB $58,795,000 $18,645,000 -68.3% 0.9%
First-Citizens Bank & Trust Company $1,005,000 $17,725,000 1,663.7% 0.8%
CROSSCOUNTRY MORTGAGE, LLC $18,160,000 $15,535,000 -14.5% 0.7%
BNY Mellon $19,560,000 $15,140,000 -22.6% 0.7%
NBH Bank $42,885,000 $15,015,000 -65.0% 0.7%
BMO Harris Bank $8,620,000 $14,415,000 67.2% 0.7%
LENDSURE MORTGAGE CORP. $50,405,000 $13,970,000 -72.3% 0.6%
GUILD MORTGAGE COMPANY $25,220,000 $13,270,000 -47.4% 0.6%
Bank of Utah $6,300,000 $12,975,000 106.0% 0.6%
Citadel Servicing Corporation $10,315,000 $12,670,000 22.8% 0.6%
MidFirst Bank $8,400,000 $12,565,000 49.6% 0.6%
Raymond James Bank $21,825,000 $11,720,000 -46.3% 0.5%
KeyBank $60,255,000 $11,495,000 -80.9% 0.5%
PNC Bank $34,975,000 $11,055,000 -68.4% 0.5%
The Northern Trust Company $23,790,000 $10,890,000 -54.2% 0.5%
Stifel Bank and Trust $15,030,000 $10,690,000 -28.9% 0.5%
First Republic Bank $198,900,000 $9,650,000 -95.1% 0.4%
The Huntington National Bank $14,420,000 $9,550,000 -33.8% 0.4%
EAGLE HOME MORTGAGE, LLC $9,065,000 n/a 0.4%
City National Bank $27,455,000 $8,750,000 -68.1% 0.4%
UTAH FIRST $9,795,000 $8,310,000 -15.2% 0.4%
Baxter Credit Union $2,810,000 $8,295,000 195.2% 0.4%
Citizens Bank $4,655,000 $8,220,000 76.6% 0.4%
ACADEMY MORTGAGE CORPORATION $19,055,000 $8,065,000 -57.7% 0.4%
KINECTA $4,005,000 $7,565,000 88.9% 0.3%
Central Bank $7,225,000 n/a 0.3%
SECURITY HOME MORTGAGE, LLC. $11,850,000 $7,085,000 -40.2% 0.3%
Commerce Bank $7,010,000 n/a 0.3%
University First Federal Credit Union $15,260,000 $7,005,000 -54.1% 0.3%
PENNYMAC LOAN SERVICES, LLC $7,920,000 $6,965,000 -12.1% 0.3%
NP, Inc. $6,795,000 n/a 0.3%
PCMA, INC. $6,750,000 n/a 0.3%
American Mortgage & Equity Consultants, Inc. $6,630,000 n/a 0.3%
Truist $13,235,000 $6,320,000 -52.2% 0.3%
NAVY FEDERAL CREDIT UNION $7,855,000 $6,265,000 -20.2% 0.3%
BOKF $6,225,000 n/a 0.3%
DEEPHAVEN MORTGAGE LLC $6,130,000 n/a 0.3%
Cache Valley Bank $23,385,000 $5,730,000 -75.5% 0.3%
Century Mortgage Company DBA Century Lending Company $2,450,000 $5,685,000 132.0% 0.3%
NEWREZ LLC $2,750,000 $5,375,000 95.5% 0.2%
Affiliated Bank $5,295,000 n/a 0.2%
CARDINAL FINANCIAL $27,385,000 $5,055,000 -81.5% 0.2%
Flagstar Bank, FSB $8,910,000 $5,050,000 -43.3% 0.2%
UMB Bank $3,110,000 $4,925,000 58.4% 0.2%
ARC HOME LLC $4,795,000 n/a 0.2%
M C Bank & Trust Company $4,795,000 n/a 0.2%
ADVANCIAL $3,805,000 $4,655,000 22.3% 0.2%
Quad City Bank and Trust Company $4,640,000 n/a 0.2%
VAN DYK MORTGAGE CORPORATION $1,995,000 $4,595,000 130.3% 0.2%
HOMEXPRESS MORTGAGE CORP. $4,635,000 $4,575,000 -1.3% 0.2%
LONGBRIDGE FINANCIAL, LLC $2,680,000 $4,555,000 70.0% 0.2%
GOLDENWEST $11,920,000 $4,505,000 -62.2% 0.2%
Northpointe Bank $6,470,000 $4,375,000 -32.4% 0.2%
Broadway National Bank $745,000 $4,160,000 458.4% 0.2%
BROKER SOLUTIONS, INC. $10,230,000 $4,015,000 -60.8% 0.2%
BankPlus $3,955,000 n/a 0.2%
LIMA ONE CAPITAL, LLC $3,945,000 n/a 0.2%
GUARANTEED RATE AFFINITY, LLC $6,865,000 $3,925,000 -42.8% 0.2%
EVERETT FINANCIAL, INC. $11,775,000 $3,870,000 -67.1% 0.2%
RANLIFE, INC. $2,215,000 $3,865,000 74.5% 0.2%
CYPRUS Federal Credit Union $12,505,000 $3,435,000 -72.5% 0.2%
AMWEST FUNDING CORP. $4,840,000 $3,335,000 -31.1% 0.2%
NEXERA HOLDING LLC $10,775,000 $3,305,000 -69.3% 0.2%
First American Bank $1,275,000 $3,260,000 155.7% 0.1%
Banterra Bank $4,060,000 $3,140,000 -22.7% 0.1%
Grand Bank $3,005,000 n/a 0.1%
Intrust Bank $3,005,000 n/a 0.1%
FUNDLOANS CAPITAL $2,980,000 n/a 0.1%
Mortgage Research Center, LLC $2,985,000 $2,930,000 -1.8% 0.1%
VERITAS FUNDING, LLC $7,260,000 $2,925,000 -59.7% 0.1%
GUARANTEED RATE, INC. $15,015,000 $2,850,000 -81.0% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,535,000 $2,730,000 7.7% 0.1%
Plains Commerce Bank $1,015,000 $2,655,000 161.6% 0.1%
Bethpage Federal Credit Union $1,455,000 $2,625,000 80.4% 0.1%
CMG MORTGAGE, INC. $7,915,000 $2,565,000 -67.6% 0.1%
Commerce Home Mortgage, Inc. $2,610,000 $2,535,000 -2.9% 0.1%
NMSI, INC. $2,470,000 n/a 0.1%
LOANDEPOT.COM, LLC $36,710,000 $2,340,000 -93.6% 0.1%
The Federal Savings Bank $5,315,000 $2,340,000 -56.0% 0.1%
Ameris Bank $2,320,000 n/a 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $5,775,000 $2,320,000 -59.8% 0.1%
CORNERSTONE HOME LENDING, INC. $1,555,000 $2,230,000 43.4% 0.1%
NBKC BANK $3,300,000 $2,225,000 -32.6% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $5,860,000 $2,190,000 -62.6% 0.1%
Nations Lending Corporation $2,170,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $9,055,000 $2,150,000 -76.3% 0.1%
Washington Trust Bank $2,090,000 n/a 0.1%
United Nations Federal Credit Union $2,435,000 $2,070,000 -15.0% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $215,000 $2,020,000 839.5% 0.1%
CALCON MUTUAL MORTGAGE LLC $1,435,000 $2,005,000 39.7% 0.1%
Quontic Bank $1,545,000 $2,005,000 29.8% 0.1%
FREEDOM MORTGAGE CORPORATION $4,250,000 $1,990,000 -53.2% 0.1%
Pinnacle Bank $3,280,000 $1,990,000 -39.3% 0.1%
Fifth Third Bank $1,770,000 $1,960,000 10.7% 0.1%
PHH Mortgage Corporation $4,180,000 $1,915,000 -54.2% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $3,670,000 $1,900,000 -48.2% 0.1%
Deseret First Credit Union $2,650,000 $1,850,000 -30.2% 0.1%
NATIONS RELIABLE LENDING, LLC $1,815,000 n/a 0.1%
FIRST TECHNOLOGY $15,260,000 $1,810,000 -88.1% 0.1%
Paramount Residential Mortgage Group, Inc. $1,075,000 $1,795,000 67.0% 0.1%
FINANCE OF AMERICA REVERSE LLC $8,160,000 $1,740,000 -78.7% 0.1%
HomeTrust Bank $760,000 $1,695,000 123.0% 0.1%
CANOPY MORTGAGE, LLC $3,615,000 $1,645,000 -54.5% 0.1%
POINT Mortgage $1,625,000 n/a 0.1%
CITYWIDE HOME LOANS, LLC $5,280,000 $1,575,000 -70.2% 0.1%
First Fidelity Bank $1,565,000 n/a 0.1%
USAA Federal Savings Bank $1,560,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,970,000 $1,555,000 -21.1% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,550,000 n/a 0.1%
Academy Bank $1,070,000 $1,525,000 42.5% 0.1%
DELTA COMMUNITY CREDIT UNION $260,000 $1,520,000 484.6% 0.1%
LAKE MICHIGAN CREDIT UNION $1,505,000 n/a 0.1%
Red River Bank $925,000 $1,505,000 62.7% 0.1%
SourceOne Financial, Inc. $705,000 $1,495,000 112.1% 0.1%
ALLIANT CREDIT UNION $1,195,000 $1,480,000 23.8% 0.1%
CHARTWAY FEDERAL CREDIT UNION $105,000 $1,440,000 1,271.4% 0.1%
Renasant Bank $1,435,000 n/a 0.1%
OCMBC, INC. $1,365,000 $1,425,000 4.4% 0.1%
OAKTREE FUNDING CORP. $1,805,000 $1,405,000 -22.2% 0.1%
DIRECT MORTGAGE, CORP. $7,015,000 $1,390,000 -80.2% 0.1%
Landmark National Bank $1,365,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $405,000 $1,355,000 234.6% 0.1%
Logan Finance Corporation $1,330,000 n/a 0.1%
SWBC MORTGAGE CORPORATION $1,330,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $7,325,000 $1,320,000 -82.0% 0.1%
M&T Bank $3,870,000 $1,300,000 -66.4% 0.1%
Carrington Mortgage Services, LLC $1,260,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $4,170,000 $1,230,000 -70.5% 0.1%
FirstBank $2,140,000 $1,165,000 -45.6% 0.1%
The Loan Store, Inc. $1,160,000 n/a 0.1%
AXIA FINANCIAL, LLC $315,000 $1,140,000 261.9% 0.1%
Stock Yards Bank & Trust Company $1,135,000 n/a 0.1%
Deere Employees Credit Union $1,110,000 n/a 0.1%
CALIBER HOME LOANS, INC. $14,405,000 $1,085,000 -92.5% 0.0%
Benchmark Bank $1,055,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $115,000 $1,005,000 773.9% 0.0%
CIBC Bank USA $3,755,000 $1,005,000 -73.2% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $3,600,000 $980,000 -72.8% 0.0%
Blue Federal Credit Union $975,000 n/a 0.0%
Mr. Cooper ( Nationstar Mortgage ) $4,780,000 $975,000 -79.6% 0.0%
Johnson Bank $955,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $930,000 $950,000 2.2% 0.0%
NexBank $925,000 n/a 0.0%
First State Bank $915,000 n/a 0.0%
STAR ONE CREDIT UNION $825,000 $905,000 9.7% 0.0%
AMERISAVE MORTGAGE CORPORATION $12,015,000 $785,000 -93.5% 0.0%
American State Bank $755,000 n/a 0.0%
First Financial Bank $755,000 n/a 0.0%
GREENSTATE CREDIT UNION $725,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $215,000 $725,000 237.2% 0.0%
North American Savings Bank, F.S.B. $435,000 $725,000 66.7% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $205,000 $710,000 246.3% 0.0%
CASTLE & COOKE MORTGAGE, LLC $3,110,000 $705,000 -77.3% 0.0%
Grand Valley Bank $3,060,000 $690,000 -77.5% 0.0%
IDAHO CENTRAL $685,000 n/a 0.0%
STAR Financial Bank $675,000 n/a 0.0%
First National Bank of America $645,000 n/a 0.0%
Fortis Private Bank $35,720,000 $645,000 -98.2% 0.0%
BAY EQUITY LLC $905,000 $635,000 -29.8% 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $635,000 n/a 0.0%
BNC National Bank $625,000 n/a 0.0%
The Bank of Commerce $605,000 n/a 0.0%
CHEVRON $3,480,000 $595,000 -82.9% 0.0%
Figure Lending LLC $555,000 n/a 0.0%
AMERICAN UNITED FAMILY OF CREDIT UN $835,000 $550,000 -34.1% 0.0%
GRANITE FEDERAL CREDIT UNION $2,800,000 $545,000 -80.5% 0.0%
Willamette Valley Bank $545,000 n/a 0.0%
Discover Bank $1,210,000 $520,000 -57.0% 0.0%
Axos Bank $4,170,000 $505,000 -87.9% 0.0%
GTE Federal Credit Union $680,000 $505,000 -25.7% 0.0%
Service Federal Credit Union $505,000 n/a 0.0%
Chicago Mortgage Solutions LLC $6,615,000 $495,000 -92.5% 0.0%
Independent Bank $475,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $1,705,000 $455,000 -73.3% 0.0%
Cornerstone First Mortgage, Inc $455,000 n/a 0.0%
The National Bank of Indianapolis $455,000 n/a 0.0%
Alaska USA Federal Credit Union $450,000 n/a 0.0%
Farmers Bank & Trust $425,000 n/a 0.0%
Wasatch Peaks Federal Credit Union $265,000 $425,000 60.4% 0.0%
Equity Prime Mortgage LLC $415,000 n/a 0.0%
Mortgage Bank of California $1,925,000 $405,000 -79.0% 0.0%
First Bank $395,000 n/a 0.0%
United States Senate Federal Credit Union $395,000 n/a 0.0%
Watermark Capital, Inc. $2,875,000 $375,000 -87.0% 0.0%
STANFORD Federal Credit Union $855,000 $355,000 -58.5% 0.0%
Firefighters First Federal Credit Union $345,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $325,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $325,000 n/a 0.0%
Northwest Farm Credit Services, FLCA $205,000 $320,000 56.1% 0.0%
Horizon Bank SSB $305,000 n/a 0.0%
Jordan Federal Credit Union $305,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $8,330,000 $305,000 -96.3% 0.0%
Barrington Bank & Trust Company, N.A. $865,000 $295,000 -65.9% 0.0%
Wyndham Capital Mortgage, Inc. $1,510,000 $275,000 -81.8% 0.0%
Utah Mortgage Loan Corporation $315,000 $255,000 -19.0% 0.0%
Coastal Community Bank $245,000 n/a 0.0%
First Savings Bank $225,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $635,000 $205,000 -67.7% 0.0%
WINGS FINANCIAL $990,000 $205,000 -79.3% 0.0%
SPRING EQ, LLC $2,715,000 $195,000 -92.8% 0.0%
NORTHROP GRUMMAN Federal Credit Union $185,000 n/a 0.0%
American Airlines Federal Credit Union $1,015,000 $180,000 -82.3% 0.0%
DIGITAL Federal Credit Union $180,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $460,000 $175,000 -62.0% 0.0%
GEORGIA'S OWN $1,175,000 $165,000 -86.0% 0.0%
TRIAD FINANCIAL SERVICES, INC. $115,000 n/a 0.0%
Bank of the West $15,830,000 $105,000 -99.3% 0.0%
HANSCOM $105,000 n/a 0.0%
Utah Power $905,000 $95,000 -89.5% 0.0%

Heber's top lender by overall market share is Zions Bank, with 9.1% market share. In second place, with 7.1%, is U.S. Bank, having originated $155,560,000 in loans. In third place, with 5.9%, is SECURITY SERVICE, having originated $129,465,000 in loans. In fourth place, with 4.7%, is JPMorgan Chase Bank, having originated $102,275,000 in loans. In fifth place, with 4.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $96,720,000 in loans.


Heber Housing Market Trends (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 $1,265,000 (12.5%) $2,067,227 (6.3%) 0.00 1,147
2018-02-01 $1,292,000 (9.8%) $2,073,586 (5.0%) 0.00 1,177
2018-03-01 $1,250,000 (5.5%) $2,031,179 (2.5%) 0.00 1,236
2018-04-01 $1,117,000 (1.6%) $1,907,535 (-2.4%) 0.00 1,244
2018-05-01 $983,750 (-1.3%) $1,822,529 (-3.9%) 0.00 1,281
2018-06-01 $995,000 (4.8%) $1,783,775 (-2.1%) 0.00 1,378
2018-07-01 $1,039,750 (8.9%) $1,791,162 (0.1%) 0.00 1,431
2018-08-01 $975,000 (2.7%) $1,720,479 (-3.1%) 0.00 1,497
2018-09-01 $969,250 (-1.9%) $1,711,937 (-6.3%) 0.00 1,508
2018-10-01 $947,500 (-5.2%) $1,702,495 (-8.9%) 0.00 1,495
2018-11-01 $1,002,750 (-8.3%) $1,764,490 (-7.8%) 0.00 1,447
2018-12-01 $1,035,000 (-8.0%) $1,802,888 (-8.4%) 0.00 1,469
2019-01-01 $1,087,500 (-14.0%) $1,843,900 (-10.8%) 0.00 1,470
2019-02-01 $1,112,500 (-13.9%) $1,856,510 (-10.5%) 0.00 1,454
2019-03-01 $1,112,143 (-11.0%) $1,841,424 (-9.3%) 0.00 1,428
2019-04-01 $1,095,000 (-2.0%) $1,816,587 (-4.8%) 0.00 1,377
2019-05-01 $1,000,000 (1.7%) $1,746,912 (-4.2%) 0.00 1,410
2019-06-01 $1,026,500 (3.2%) $1,751,994 (-1.8%) 0.00 1,507
2019-07-01 $1,096,000 (5.4%) $1,805,938 (0.8%) 0.00 1,553
2019-08-01 $1,118,182 (14.7%) $1,831,694 (6.5%) 0.00 1,500
2019-09-01 $1,107,955 (14.3%) $1,854,400 (8.3%) 0.00 1,422
2019-10-01 $1,121,111 (18.3%) $1,874,391 (10.1%) 0.00 1,350
2019-11-01 $1,195,000 (19.2%) $1,953,854 (10.7%) 0.00 1,290
2019-12-01 $1,180,000 (14.0%) $1,990,304 (10.4%) 0.00 1,267
2020-01-01 $1,247,500 (14.7%) $2,058,286 (11.6%) 0.00 1,239
2020-02-01 $1,279,000 (15.0%) $2,109,702 (13.6%) 0.00 1,222
2020-03-01 $1,155,000 (3.9%) $2,029,973 (10.2%) 0.00 1,259
2020-04-01 $950,000 (-13.2%) $1,860,235 (2.4%) 0.00 1,245
2020-05-01 $924,900 (-7.5%) $1,767,392 (1.2%) 0.00 1,336
2020-06-01 $929,950 (-9.4%) $1,780,349 (1.6%) 0.00 1,396
2020-07-01 $973,500 (-11.2%) $1,879,623 (4.1%) 0.00 1,384
2020-08-01 $973,500 (-12.9%) $1,950,092 (6.5%) 0.00 1,232
2020-09-01 $973,750 (-12.1%) $2,055,203 (10.8%) 0.00 1,053
2020-10-01 $939,000 (-16.2%) $2,069,131 (10.4%) 0.00 897
2020-11-01 $995,112 (-16.7%) $2,210,992 (13.2%) 0.00 737
2020-12-01 $1,083,375 (-8.2%) $2,288,661 (15.0%) 0.00 671
2021-01-01 $1,250,000 (0.2%) $2,468,974 (20.0%) 0.00 610
2021-02-01 $1,312,500 (2.6%) $2,648,419 (25.5%) 0.00 533
2021-03-01 $1,350,000 (16.9%) $2,769,154 (36.4%) 0.00 476
2021-04-01 $1,367,500 (44.0%) $2,765,228 (48.7%) 0.00 468
2021-05-01 $1,299,000 (40.5%) $2,595,558 (46.9%) 0.00 508
2021-06-01 $1,290,000 (38.7%) $2,610,955 (46.7%) 0.00 547
2021-07-01 $1,300,000 (33.5%) $2,676,127 (42.4%) 0.00 556
2021-08-01 $1,299,500 (33.5%) $2,504,668 (28.4%) 0.00 564
2021-09-01 $1,303,750 (33.9%) $2,568,018 (25.0%) 0.00 525
2021-10-01 $1,499,999 (59.7%) $2,744,026 (32.6%) 0.00 468
2021-11-01 $1,737,500 (74.6%) $3,003,732 (35.9%) 0.00 379
2021-12-01 $1,842,500 (70.1%) $3,091,667 (35.1%) 0.00 350
2022-01-01 $1,770,000 (41.6%) $2,960,056 (19.9%) 0.00 327
2022-02-01 $1,759,750 (34.1%) $3,012,697 (13.8%) 0.00 311
2022-03-01 $1,797,000 (33.1%) $2,986,802 (7.9%) 0.00 364
2022-04-01 $1,785,500 (30.6%) $2,823,592 (2.1%) 0.00 401
2022-05-01 $1,617,000 (24.5%) $2,677,799 (3.2%) 0.00 544
2022-06-01 $1,550,000 (20.2%) $2,636,508 (1.0%) 0.00 767
2022-07-01 $1,499,999 (15.4%) $2,582,042 (-3.5%) 0.00 1,036
2022-08-01 $1,524,725 (17.3%) $2,607,981 (4.1%) 0.00 1,081
2022-09-01 $1,500,000 (15.1%) $2,644,821 (3.0%) 0.00 1,035
2022-10-01 $1,554,101 (3.6%) $2,661,009 (-3.0%) 0.00 986
2022-11-01 $1,596,500 (-8.1%) $2,837,871 (-5.5%) 0.00 960
2022-12-01 $1,616,045 (-12.3%) $3,008,787 (-2.7%) 0.00 888
2023-01-01 $1,788,250 (1.0%) $3,080,310 (4.1%) 0.00 860
2023-02-01 $1,697,225 (-3.6%) $3,075,387 (2.1%) 0.00 864
2023-03-01 $1,695,000 (-5.7%) $2,959,959 (-0.9%) 0.00 846
2023-04-01 $1,499,250 (-16.0%) $2,743,551 (-2.8%) 0.00 894
2023-05-01 $1,495,000 (-7.5%) $2,624,727 (-2.0%) 0.00 952
2023-06-01 $1,498,500 (-3.3%) $2,666,362 (1.1%) 0.00 1,065
2023-07-01 $1,595,000 (6.3%) $2,751,164 (6.6%) 0.00 1,220
2023-08-01 $1,541,250 (1.1%) $2,670,345 (2.4%) 0.00 1,225
2023-09-01 $1,492,500 (-0.5%) $2,688,590 (1.7%) 0.00 1,186
2023-10-01 $1,462,500 (-5.9%) $2,657,503 (-0.1%) 0.00 1,141
2023-11-01 $1,495,000 (-6.4%) $2,685,222 (-5.4%) 0.00 1,134
2023-12-01 $1,499,000 (-7.2%) $2,734,503 (-9.1%) 0.00 1,087
2024-01-01 $1,500,000 (-16.1%) $2,889,214 (-6.2%) 0.00 1,076
2024-02-01 $1,564,736 (-7.8%) $2,881,512 (-6.3%) 0.00 1,044
2024-03-01 $1,495,000 (-11.8%) $2,936,094 (-0.8%) 0.00 1,020
2024-04-01 $1,474,500 (-1.7%) $2,895,244 (5.5%) 0.00 1,004
Heber's median listing price for 2024-04-01 was $1,474,500, a difference of $-24,750 (-1.7%) versus the prior year and $-20,500 versus the prior month.

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

Heber's average listing price for 2024-04-01 was $2,895,244, a difference of $151,693 (5.5%) versus the prior year and $-40,850 versus the prior month.

For the 2024-04-01 period, Heber had 1,004 MLS listings, a difference of -16 listings (-2%) versus the prior month and 110 listings (12%) 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 2,807 sqft
2018-02-01 0 days 2,807 sqft
2018-03-01 0 days 2,849 sqft
2018-04-01 0 days 2,859 sqft
2018-05-01 0 days 2,961 sqft
2018-06-01 0 days 3,000 sqft
2018-07-01 0 days 3,018 sqft
2018-08-01 0 days 2,983 sqft
2018-09-01 0 days 3,025 sqft
2018-10-01 0 days 3,033 sqft
2018-11-01 0 days 3,043 sqft
2018-12-01 0 days 2,850 sqft
2019-01-01 0 days 2,801 sqft
2019-02-01 0 days 2,746 sqft
2019-03-01 0 days 2,699 sqft
2019-04-01 0 days 2,732 sqft
2019-05-01 0 days 2,726 sqft
2019-06-01 0 days 2,857 sqft
2019-07-01 0 days 2,968 sqft
2019-08-01 0 days 3,012 sqft
2019-09-01 0 days 3,030 sqft
2019-10-01 0 days 3,050 sqft
2019-11-01 0 days 3,030 sqft
2019-12-01 0 days 2,958 sqft
2020-01-01 0 days 2,969 sqft
2020-02-01 0 days 2,904 sqft
2020-03-01 0 days 2,878 sqft
2020-04-01 0 days 2,751 sqft
2020-05-01 0 days 2,722 sqft
2020-06-01 0 days 2,710 sqft
2020-07-01 0 days 2,727 sqft
2020-08-01 0 days 2,716 sqft
2020-09-01 0 days 2,711 sqft
2020-10-01 0 days 2,630 sqft
2020-11-01 0 days 2,571 sqft
2020-12-01 0 days 2,556 sqft
2021-01-01 0 days 2,498 sqft
2021-02-01 0 days 2,450 sqft
2021-03-01 0 days 2,459 sqft
2021-04-01 0 days 2,539 sqft
2021-05-01 0 days 2,565 sqft
2021-06-01 0 days 2,750 sqft
2021-07-01 0 days 2,766 sqft
2021-08-01 0 days 2,727 sqft
2021-09-01 0 days 2,909 sqft
2021-10-01 0 days 3,197 sqft
2021-11-01 0 days 3,371 sqft
2021-12-01 0 days 3,267 sqft
2022-01-01 0 days 3,107 sqft
2022-02-01 0 days 2,722 sqft
2022-03-01 0 days 2,804 sqft
2022-04-01 0 days 2,791 sqft
2022-05-01 0 days 2,759 sqft
2022-06-01 0 days 2,814 sqft
2022-07-01 0 days 2,807 sqft
2022-08-01 0 days 2,761 sqft
2022-09-01 0 days 2,781 sqft
2022-10-01 0 days 2,799 sqft
2022-11-01 0 days 2,822 sqft
2022-12-01 0 days 2,942 sqft
2023-01-01 0 days 2,918 sqft
2023-02-01 0 days 2,818 sqft
2023-03-01 0 days 2,897 sqft
2023-04-01 0 days 2,807 sqft
2023-05-01 0 days 2,804 sqft
2023-06-01 0 days 2,985 sqft
2023-07-01 0 days 3,028 sqft
2023-08-01 0 days 3,038 sqft
2023-09-01 0 days 3,005 sqft
2023-10-01 0 days 3,006 sqft
2023-11-01 0 days 3,033 sqft
2023-12-01 0 days 3,024 sqft
2024-01-01 0 days 2,976 sqft
2024-02-01 0 days 2,900 sqft
2024-03-01 0 days 2,849 sqft
2024-04-01 0 days 2,820 sqft
Heber's median listing age (time on market) for 2024-04-01 was 0 days.

Heber's median square footage for active listings during the 2024-04-01 period was 2,820 sqft. One year prior, the average listing was 2,807 sqft.

Heber, UT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,379 $1,519,765,000 $1,102,078
Home Improvement 352 $78,490,000 $222,983
Other 347 $203,495,000 $586,441
Refi 290 $206,550,000 $712,241
Cash Out Refi 258 $169,370,000 $656,473

Heber's most frequently cited loan purpose was Home Purchase, with 1,379 originations. The 2nd most popular reason was Home Improvement, with 352 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 769 $687,415,000 $893,908
7-8% 611 $377,415,000 $617,700
Over 8% 555 $236,335,000 $425,829
5-6% 491 $632,105,000 $1,287,383
4-5% 130 $166,290,000 $1,279,154
3-4% 22 $23,460,000 $1,066,364
2.5-3% 8 $16,090,000 $2,011,250
<2.5% 2 $3,020,000 $1,510,000

During 2023, Heber's most frequently originated rate bucket was 6-7%, with 769 originations.

Loan Sizing (Heber, UT MSA)

Loan Size Originations Total Value Average Loan
$Over $1MM 615 $1,368,395,000 $2,225,033
$600k-1000k 523 $401,695,000 $768,059
$200k-400k 505 $147,505,000 $292,089
$400k-600k 416 $205,100,000 $493,029
$100k-200k 286 $38,780,000 $135,594
$100,000 or less 281 $16,195,000 $57,633

Heber's loan sizing saw the bucket of loans from $Over $1MM with 615 originations, totaling $1,368,395,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 671 $870,815,000 $1,297,787
Under 20% 660 $116,550,000 $176,591
20-40% 432 $240,190,000 $555,995
80-100% 414 $375,980,000 $908,164
40-60% 397 $530,235,000 $1,335,605
Over 100% 5 $3,285,000 $657,000

Heber's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 671 originations, totaling $870,815,000 in origination value.