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
6.62%
for the week of 2023-11-22, compared to the national average of
7.29% for the same period.
The average rate for the prior week (2023-11-16) was
6.87% and
one month ago for the week of 2023-10-19, the
average rate was 6.76%.
Heber's average rate one year ago was 5.94%.
For refis of the same type during the week of 2023-11-22, the average rate
was 5.87%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-11-22 | 7.29% |
| Heber 30 Year Fixed Rate | 2023-11-22 | 6.62% |
| Heber 30 Year Fixed Rate Refi | 2023-11-22 | 5.87% |
| Heber 15 Year Fixed Rate | 2023-11-22 | 6.77% |
| Heber 15 Year Fixed Rate Refi | 2023-11-22 | 6.57% |
| Heber 30 Year FHA | 2023-11-22 | -0.2% |
| Heber 30 Year FHA Refi | 2023-11-22 | -0.1% |
| Heber 30 Year USDA | 2023-11-22 | 0% |
| Heber 30 Year USDA Refi | 2023-11-22 | 0.2% |
| Heber 30 Year VA | 2023-11-22 | -0.2% |
| Heber 30 Year VA Refi | 2023-11-22 | 0% |
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.).
Heber Average Closing Costs & Other Stats
Heber, UT's 183 lenders originated 4,552
loans during 2022. The total origination value was $4,007,680,000, with an average loan value of
$880,422.
Heber's average closing costs are $6,144.
The top Heber lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
189 loans originated. Their average total fees are
$8,309, which is $1,649
higher than the next largest lender,
Wells Fargo Bank.
The lowest fee Heber lenders (with over 10 loans originated) are
EVERETT FINANCIAL, INC. ($3,013), PROVIDENT FUNDING ASSOCIATES, L.P. ($4,082), Stifel Bank and Trust ($4,250), DHI MORTGAGE COMPANY, LTD. ($4,519) and Zions Bank ($4,664).
The lowest rate Heber lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (3.07%), City National Bank (3.09%), First Republic Bank (3.15%), Goldman Sachs Bank USA (3.20%) and Bank of America (3.27%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| Zions Bancorporation, N.A. | $318,495,000 | $444,950,000 | 39.7% | 11.1% |
| JPMorgan Chase Bank | $328,260,000 | $238,280,000 | -27.4% | 5.9% |
| Wells Fargo Bank | $379,030,000 | $214,790,000 | -43.3% | 5.4% |
| U.S. Bank | $287,565,000 | $212,525,000 | -26.1% | 5.3% |
| First Republic Bank | $147,040,000 | $198,900,000 | 35.3% | 5.0% |
| Bank of America | $224,540,000 | $176,645,000 | -21.3% | 4.4% |
| SECURITY SERVICE | $133,825,000 | $158,360,000 | 18.3% | 4.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $470,355,000 | $150,025,000 | -68.1% | 3.7% |
| MOUNTAIN AMERICA | $179,545,000 | $135,370,000 | -24.6% | 3.4% |
| Morgan Stanley Private Bank | $179,610,000 | $119,070,000 | -33.7% | 3.0% |
| UBS Bank USA | $90,005,000 | $102,545,000 | 13.9% | 2.6% |
| Citibank | $110,830,000 | $98,090,000 | -11.5% | 2.4% |
| INTERCAP LENDING INC. | $132,680,000 | $84,145,000 | -36.6% | 2.1% |
| AMERICA FIRST | $56,750,000 | $78,130,000 | 37.7% | 1.9% |
| QUICKEN LOANS, LLC | $232,860,000 | $76,365,000 | -67.2% | 1.9% |
| KeyBank | $86,390,000 | $60,255,000 | -30.3% | 1.5% |
| Charles Schwab Bank, SSB | $81,205,000 | $58,795,000 | -27.6% | 1.5% |
| LENDSURE MORTGAGE CORP. | $43,650,000 | $50,405,000 | 15.5% | 1.3% |
| NBH Bank | $19,390,000 | $42,885,000 | 121.2% | 1.1% |
| Glacier Bank | $27,990,000 | $40,260,000 | 43.8% | 1.0% |
| Washington Federal Bank | $13,530,000 | $38,060,000 | 181.3% | 0.9% |
| LOANDEPOT.COM, LLC | $133,990,000 | $36,710,000 | -72.6% | 0.9% |
| Fortis Private Bank | $87,530,000 | $35,720,000 | -59.2% | 0.9% |
| PNC Bank | $25,955,000 | $34,975,000 | 34.8% | 0.9% |
| SECURITYNATIONAL MORTGAGE COMPANY | $62,530,000 | $32,915,000 | -47.4% | 0.8% |
| Goldman Sachs Bank USA | $49,265,000 | $32,255,000 | -34.5% | 0.8% |
| UTAH COMMUNITY | $66,230,000 | $31,005,000 | -53.2% | 0.8% |
| Silicon Valley Bank | $33,165,000 | $29,655,000 | -10.6% | 0.7% |
| City National Bank | $32,365,000 | $27,455,000 | -15.2% | 0.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $46,780,000 | $27,385,000 | -41.5% | 0.7% |
| GUILD MORTGAGE COMPANY | $82,765,000 | $25,220,000 | -69.5% | 0.6% |
| The Northern Trust Company | $11,415,000 | $23,790,000 | 108.4% | 0.6% |
| Cache Valley Bank | $1,110,000 | $23,385,000 | 2,006.8% | 0.6% |
| Raymond James Bank | $28,140,000 | $21,825,000 | -22.4% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $66,810,000 | $21,740,000 | -67.5% | 0.5% |
| BNY Mellon | $24,090,000 | $19,560,000 | -18.8% | 0.5% |
| ACADEMY MORTGAGE CORPORATION | $39,145,000 | $19,055,000 | -51.3% | 0.5% |
| FIRST COLONY MORTGAGE CORPORATION | $28,230,000 | $18,760,000 | -33.5% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $41,735,000 | $18,160,000 | -56.5% | 0.5% |
| Bank of the West | $14,800,000 | $15,830,000 | 7.0% | 0.4% |
| FIRST TECHNOLOGY | $4,365,000 | $15,260,000 | 249.6% | 0.4% |
| University First Federal Credit Union | $17,640,000 | $15,260,000 | -13.5% | 0.4% |
| Stifel Bank and Trust | $16,285,000 | $15,030,000 | -7.7% | 0.4% |
| GUARANTEED RATE, INC. | $62,355,000 | $15,015,000 | -75.9% | 0.4% |
| The Huntington National Bank | $2,855,000 | $14,420,000 | 405.1% | 0.4% |
| CALIBER HOME LOANS, INC. | $34,195,000 | $14,405,000 | -57.9% | 0.4% |
| MY MOVE MORTGAGE, LLC | $17,560,000 | $13,685,000 | -22.1% | 0.3% |
| Truist | $6,050,000 | $13,235,000 | 118.8% | 0.3% |
| HOME POINT FINANCIAL CORPORATION | $71,400,000 | $13,065,000 | -81.7% | 0.3% |
| CYPRUS Federal Credit Union | $9,720,000 | $12,505,000 | 28.7% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $30,210,000 | $12,015,000 | -60.2% | 0.3% |
| GOLDENWEST | $6,545,000 | $11,920,000 | 82.1% | 0.3% |
| SECURITY HOME MORTGAGE, LLC. | $9,700,000 | $11,850,000 | 22.2% | 0.3% |
| EVERETT FINANCIAL, INC. | $6,675,000 | $11,775,000 | 76.4% | 0.3% |
| NEXERA HOLDING LLC | $21,835,000 | $10,775,000 | -50.7% | 0.3% |
| Citadel Servicing Corporation | $17,160,000 | $10,315,000 | -39.9% | 0.3% |
| BROKER SOLUTIONS, INC. | $32,460,000 | $10,230,000 | -68.5% | 0.3% |
| UTAH FIRST | $4,765,000 | $9,795,000 | 105.6% | 0.2% |
| CIVIC FINANCIAL SERVICES, LLC | $655,000 | $9,620,000 | 1,368.7% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $12,210,000 | $9,055,000 | -25.8% | 0.2% |
| Flagstar Bank, FSB | $21,375,000 | $8,910,000 | -58.3% | 0.2% |
| BMO Harris Bank | $8,215,000 | $8,620,000 | 4.9% | 0.2% |
| AmRes Corporation | $8,600,000 | n/a | 0.2% | |
| MidFirst Bank | $6,720,000 | $8,400,000 | 25.0% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $8,330,000 | n/a | 0.2% | |
| DHI MORTGAGE COMPANY, LTD. | $15,280,000 | $8,280,000 | -45.8% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $19,675,000 | $8,180,000 | -58.4% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $3,820,000 | $8,160,000 | 113.6% | 0.2% |
| PENNYMAC LOAN SERVICES, LLC | $29,660,000 | $7,920,000 | -73.3% | 0.2% |
| CMG MORTGAGE, INC. | $6,725,000 | $7,915,000 | 17.7% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $7,545,000 | $7,855,000 | 4.1% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $9,195,000 | $7,325,000 | -20.3% | 0.2% |
| VERITAS FUNDING, LLC | $40,935,000 | $7,260,000 | -82.3% | 0.2% |
| DIRECT MORTGAGE, CORP. | $15,770,000 | $7,015,000 | -55.5% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $10,110,000 | $6,865,000 | -32.1% | 0.2% |
| Chicago Mortgage Solutions LLC | $13,680,000 | $6,615,000 | -51.6% | 0.2% |
| Northpointe Bank | $6,595,000 | $6,470,000 | -1.9% | 0.2% |
| Bank of Utah | $7,380,000 | $6,300,000 | -14.6% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $16,300,000 | $5,860,000 | -64.0% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $7,680,000 | $5,775,000 | -24.8% | 0.1% |
| LENDINGONE, LLC | $5,590,000 | n/a | 0.1% | |
| Planters Bank, Inc. | $5,435,000 | n/a | 0.1% | |
| The Federal Savings Bank | $4,090,000 | $5,315,000 | 30.0% | 0.1% |
| CITYWIDE HOME LOANS, LLC | $24,950,000 | $5,280,000 | -78.8% | 0.1% |
| AMWEST FUNDING CORP. | $16,675,000 | $4,840,000 | -71.0% | 0.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,540,000 | $4,780,000 | -61.9% | 0.1% |
| Florida Capital Bank | $2,875,000 | $4,705,000 | 63.7% | 0.1% |
| Citizens Bank | $2,405,000 | $4,655,000 | 93.6% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $3,340,000 | $4,635,000 | 38.8% | 0.1% |
| Origin Bank | $2,505,000 | $4,610,000 | 84.0% | 0.1% |
| Prosperity Bank | $185,000 | $4,455,000 | 2,308.1% | 0.1% |
| JMAC LENDING, INC. | $4,345,000 | n/a | 0.1% | |
| EVANSVILLE TEACHERS | $1,305,000 | $4,330,000 | 231.8% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $15,065,000 | $4,310,000 | -71.4% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $19,300,000 | $4,250,000 | -78.0% | 0.1% |
| PHH Mortgage Corporation | $2,420,000 | $4,180,000 | 72.7% | 0.1% |
| Axos Bank | $14,190,000 | $4,170,000 | -70.6% | 0.1% |
| BETTER MORTGAGE CORPORATION | $25,975,000 | $4,170,000 | -83.9% | 0.1% |
| Banterra Bank | $4,060,000 | n/a | 0.1% | |
| KINECTA | $6,725,000 | $4,005,000 | -40.4% | 0.1% |
| M&T Bank | $1,175,000 | $3,870,000 | 229.4% | 0.1% |
| ADVANCIAL | $6,220,000 | $3,805,000 | -38.8% | 0.1% |
| CIBC Bank USA | $18,900,000 | $3,755,000 | -80.1% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $3,670,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $16,065,000 | $3,615,000 | -77.5% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $10,320,000 | $3,600,000 | -65.1% | 0.1% |
| CHEVRON | $2,420,000 | $3,480,000 | 43.8% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $2,980,000 | $3,425,000 | 14.9% | 0.1% |
| FBC MORTGAGE, LLC | $3,350,000 | n/a | 0.1% | |
| NBKC BANK | $10,330,000 | $3,300,000 | -68.1% | 0.1% |
| First Merchants Bank | $800,000 | $3,290,000 | 311.3% | 0.1% |
| Pinnacle Bank | $3,010,000 | $3,280,000 | 9.0% | 0.1% |
| CASTLE & COOKE MORTGAGE, LLC | $5,300,000 | $3,110,000 | -41.3% | 0.1% |
| UMB Bank | $6,940,000 | $3,110,000 | -55.2% | 0.1% |
| Network Funding, L.P. | $4,495,000 | $3,075,000 | -31.6% | 0.1% |
| Grand Valley Bank | $7,020,000 | $3,060,000 | -56.4% | 0.1% |
| Hinsdale Bank & Trust Company | $3,005,000 | n/a | 0.1% | |
| RBC Bank, (Georgia) | $525,000 | $3,005,000 | 472.4% | 0.1% |
| Mortgage Research Center, LLC | $9,010,000 | $2,985,000 | -66.9% | 0.1% |
| Watermark Capital, Inc. | $2,960,000 | $2,875,000 | -2.9% | 0.1% |
| Baxter Credit Union | $4,520,000 | $2,810,000 | -37.8% | 0.1% |
| GRANITE FEDERAL CREDIT UNION | $2,650,000 | $2,800,000 | 5.7% | 0.1% |
| NEWREZ LLC | $11,995,000 | $2,750,000 | -77.1% | 0.1% |
| SPRING EQ, LLC | $2,715,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $7,725,000 | $2,705,000 | -65.0% | 0.1% |
| 5TH STREET CAPITAL, INC. | $5,915,000 | $2,700,000 | -54.4% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $6,320,000 | $2,680,000 | -57.6% | 0.1% |
| Deseret First Credit Union | $5,165,000 | $2,650,000 | -48.7% | 0.1% |
| Comerica Bank | $12,025,000 | $2,645,000 | -78.0% | 0.1% |
| Commerce Home Mortgage, Inc. | $5,915,000 | $2,610,000 | -55.9% | 0.1% |
| Allegiance Bank | $2,585,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $9,095,000 | $2,535,000 | -72.1% | 0.1% |
| Luxury Mortgage Corp. | $5,215,000 | $2,470,000 | -52.6% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $3,755,000 | $2,450,000 | -34.8% | 0.1% |
| United Nations Federal Credit Union | $1,330,000 | $2,435,000 | 83.1% | 0.1% |
| FineMark National Bank & Trust | $655,000 | $2,415,000 | 268.7% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $5,275,000 | $2,400,000 | -54.5% | 0.1% |
| AMERICAN ADVISORS GROUP | $3,265,000 | $2,360,000 | -27.7% | 0.1% |
| SUMMIT FUNDING, INC. | $2,350,000 | n/a | 0.1% | |
| S1L, Inc. | $4,480,000 | $2,250,000 | -49.8% | 0.1% |
| PlainsCapital Bank | $8,625,000 | $2,225,000 | -74.2% | 0.1% |
| RANLIFE, INC. | $8,530,000 | $2,215,000 | -74.0% | 0.1% |
| Carrollton Bank | $2,165,000 | n/a | 0.1% | |
| FirstBank | $5,210,000 | $2,140,000 | -58.9% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $600,000 | $2,075,000 | 245.8% | 0.1% |
| Gateway First Bank | $5,190,000 | $2,030,000 | -60.9% | 0.1% |
| Chain Bridge Bank | $2,005,000 | n/a | 0.1% | |
| VAN DYK MORTGAGE CORPORATION | $11,050,000 | $1,995,000 | -81.9% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $8,165,000 | $1,970,000 | -75.9% | 0.0% |
| BP Federal Credit Union | $1,965,000 | n/a | 0.0% | |
| Mortgage Bank of California | $5,960,000 | $1,925,000 | -67.7% | 0.0% |
| Ally Bank | $10,900,000 | $1,865,000 | -82.9% | 0.0% |
| OAKTREE FUNDING CORP. | $1,805,000 | n/a | 0.0% | |
| Fifth Third Bank | $1,665,000 | $1,770,000 | 6.3% | 0.0% |
| BancorpSouth Bank | $1,755,000 | n/a | 0.0% | |
| Towne Bank | $1,755,000 | n/a | 0.0% | |
| BankVista | $1,725,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $3,750,000 | $1,705,000 | -54.5% | 0.0% |
| First International Bank & Trust | $920,000 | $1,635,000 | 77.7% | 0.0% |
| STEARNS LENDING, LLC | $31,820,000 | $1,610,000 | -94.9% | 0.0% |
| Third Coast Bank SSB | $1,610,000 | n/a | 0.0% | |
| Bank-Fund Staff Federal Credit Union | $745,000 | $1,605,000 | 115.4% | 0.0% |
| Bank First, N.A. | $1,575,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $465,000 | $1,560,000 | 235.5% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $4,480,000 | $1,555,000 | -65.3% | 0.0% |
| MORIA DEVELOPMENT, INC. | $295,000 | $1,545,000 | 423.7% | 0.0% |
| Quontic Bank | $1,545,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $5,210,000 | $1,510,000 | -71.0% | 0.0% |
| Merchants Mortgage & Trust Corporation | $1,485,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $1,455,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $1,655,000 | $1,435,000 | -13.3% | 0.0% |
| Inwood National Bank | $1,885,000 | $1,405,000 | -25.5% | 0.0% |
| OCMBC, INC. | $555,000 | $1,365,000 | 145.9% | 0.0% |
| First American Bank | $1,275,000 | n/a | 0.0% | |
| GUARANTY HOME MORTGAGE CORPORATION | $355,000 | $1,275,000 | 259.2% | 0.0% |
| Merchants Bank of Indiana | $1,215,000 | n/a | 0.0% | |
| Discover Bank | $190,000 | $1,210,000 | 536.8% | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | $1,320,000 | $1,200,000 | -9.1% | 0.0% |
| ALLIANT CREDIT UNION | $575,000 | $1,195,000 | 107.8% | 0.0% |
| GEORGIA'S OWN | $870,000 | $1,175,000 | 35.1% | 0.0% |
| First Internet Bank of Indiana | $1,110,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $1,085,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $3,180,000 | $1,075,000 | -66.2% | 0.0% |
| Academy Bank | $1,070,000 | n/a | 0.0% | |
| CHERRY CREEK MORTGAGE, LLC | $4,550,000 | $1,055,000 | -76.8% | 0.0% |
| MORTGAGEONE, INC. | $1,035,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $635,000 | $1,015,000 | 59.8% | 0.0% |
| Plains Commerce Bank | $2,975,000 | $1,015,000 | -65.9% | 0.0% |
| V.I.P. MORTGAGE, INC. | $1,685,000 | $1,015,000 | -39.8% | 0.0% |
| First-Citizens Bank & Trust Company | $1,005,000 | n/a | 0.0% | |
| Firstrust Savings Bank | $1,005,000 | n/a | 0.0% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $1,340,000 | $995,000 | -25.7% | 0.0% |
| WINGS FINANCIAL | $990,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $985,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $975,000 | n/a | 0.0% | |
| ANGEL OAK HOME LOANS LLC | $955,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $1,310,000 | $930,000 | -29.0% | 0.0% |
| Red River Bank | $435,000 | $925,000 | 112.6% | 0.0% |
| BAY EQUITY LLC | $4,575,000 | $905,000 | -80.2% | 0.0% |
| Utah Power | $545,000 | $905,000 | 66.1% | 0.0% |
| UNIVERSITY CREDIT UNION | $885,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $3,435,000 | $865,000 | -74.8% | 0.0% |
| STANFORD Federal Credit Union | $985,000 | $855,000 | -13.2% | 0.0% |
| The Bank of San Antonio | $855,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $375,000 | $845,000 | 125.3% | 0.0% |
| AMERICAN UNITED FAMILY OF CREDIT UN | $530,000 | $835,000 | 57.5% | 0.0% |
| STAR ONE CREDIT UNION | $825,000 | n/a | 0.0% | |
| TRANSWEST CREDIT UNION | $805,000 | $825,000 | 2.5% | 0.0% |
| KELLER MORTGAGE, LLC | $5,650,000 | $815,000 | -85.6% | 0.0% |
| SOFI LENDING CORP. | $3,465,000 | $815,000 | -76.5% | 0.0% |
| Hometown Equity Mortgage, LLC | $775,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $775,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $1,105,000 | $765,000 | -30.8% | 0.0% |
| HomeTrust Bank | $435,000 | $760,000 | 74.7% | 0.0% |
| Broadway National Bank | $5,285,000 | $745,000 | -85.9% | 0.0% |
| SourceOne Financial, Inc. | $8,655,000 | $705,000 | -91.9% | 0.0% |
| GTE Federal Credit Union | $680,000 | n/a | 0.0% | |
| Bank of Charles Town | $645,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $1,820,000 | $635,000 | -65.1% | 0.0% |
| State Bank of the Lakes | $635,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $7,675,000 | $620,000 | -91.9% | 0.0% |
| BLUE BRICK FINANCIAL LLC | $2,620,000 | $585,000 | -77.7% | 0.0% |
| Citywide Banks | $705,000 | $565,000 | -19.9% | 0.0% |
| ITHINK FINANCIAL Credit Union | $555,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $1,565,000 | $535,000 | -65.8% | 0.0% |
| Resource Bank | $2,475,000 | $525,000 | -78.8% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $440,000 | $515,000 | 17.0% | 0.0% |
| CRESCENT MORTGAGE COMPANY | $505,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $505,000 | n/a | 0.0% | |
| MIDWEST LOAN SOLUTIONS, INC. | $375,000 | $485,000 | 29.3% | 0.0% |
| Valley National Bank | $155,000 | $485,000 | 212.9% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $700,000 | $460,000 | -34.3% | 0.0% |
| S&T Bank | $455,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $5,860,000 | $435,000 | -92.6% | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | $425,000 | n/a | 0.0% | |
| Citizens National Bank of Texas | $405,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $405,000 | n/a | 0.0% | |
| First Guaranty Mortgage Corporation | $2,025,000 | $395,000 | -80.5% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $355,000 | n/a | 0.0% | |
| ATHAS CAPITAL GROUP, INC. | $970,000 | $315,000 | -67.5% | 0.0% |
| AXIA FINANCIAL, LLC | $5,500,000 | $315,000 | -94.3% | 0.0% |
| UNITED SECURITY FINANCIAL CORP | $2,490,000 | $315,000 | -87.3% | 0.0% |
| Utah Mortgage Loan Corporation | $4,030,000 | $315,000 | -92.2% | 0.0% |
| SHARONVIEW FEDERAL CREDIT UNION | $305,000 | n/a | 0.0% | |
| Wasatch Peaks Federal Credit Union | $165,000 | $265,000 | 60.6% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $1,225,000 | $260,000 | -78.8% | 0.0% |
| First Interstate Bank | $2,885,000 | $255,000 | -91.2% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $275,000 | $215,000 | -21.8% | 0.0% |
| First Horizon Bank | $7,855,000 | $215,000 | -97.3% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $1,295,000 | $215,000 | -83.4% | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,430,000 | $205,000 | -91.6% | 0.0% |
| Northwest Farm Credit Services, FLCA | $3,655,000 | $205,000 | -94.4% | 0.0% |
| Southwest Airlines Federal Credit Union | $205,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $115,000 | n/a | 0.0% | |
| CHARTWAY FEDERAL CREDIT UNION | $445,000 | $105,000 | -76.4% | 0.0% |
| D. L. Evans Bank | $445,000 | $95,000 | -78.7% | 0.0% |
Heber's top lender by overall market share is Zions Bancorporation, N.A., with 11.1% market share. In second place, with 5.9%, is JPMorgan Chase Bank, having originated $238,280,000 in loans. In third place, with 5.4%, is Wells Fargo Bank, having originated $214,790,000 in loans. In fourth place, with 5.3%, is U.S. Bank, having originated $212,525,000 in loans. In fifth place, with 5.0%, is First Republic Bank, having originated $198,900,000 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 | $1,262,500 (12.3%) | $2,065,426 (6.3%) | 0.00 | 1,148 |
| 2018-02-01 | $1,292,000 (10.0%) | $2,071,838 (5.0%) | 0.00 | 1,178 |
| 2018-03-01 | $1,249,950 (5.8%) | $2,029,554 (2.5%) | 0.00 | 1,237 |
| 2018-04-01 | $1,112,000 (1.1%) | $1,906,010 (-2.4%) | 0.00 | 1,245 |
| 2018-05-01 | $981,250 (-1.5%) | $1,821,814 (-3.8%) | 0.00 | 1,281 |
| 2018-06-01 | $995,000 (4.8%) | $1,783,775 (-2.0%) | 0.00 | 1,378 |
| 2018-07-01 | $1,033,000 (8.5%) | $1,789,972 (0.1%) | 0.00 | 1,432 |
| 2018-08-01 | $975,000 (2.7%) | $1,719,384 (-3.1%) | 0.00 | 1,498 |
| 2018-09-01 | $969,000 (-1.6%) | $1,710,871 (-6.3%) | 0.00 | 1,509 |
| 2018-10-01 | $947,500 (-5.2%) | $1,702,495 (-8.8%) | 0.00 | 1,495 |
| 2018-11-01 | $1,002,750 (-8.1%) | $1,764,490 (-7.7%) | 0.00 | 1,447 |
| 2018-12-01 | $1,035,000 (-8.0%) | $1,802,888 (-8.3%) | 0.00 | 1,469 |
| 2019-01-01 | $1,087,500 (-13.9%) | $1,843,900 (-10.7%) | 0.00 | 1,470 |
| 2019-02-01 | $1,112,500 (-13.9%) | $1,856,510 (-10.4%) | 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 (-1.5%) | $1,816,587 (-4.7%) | 0.00 | 1,377 |
| 2019-05-01 | $1,000,000 (1.9%) | $1,746,912 (-4.1%) | 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 (6.1%) | $1,805,938 (0.9%) | 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 (8.4%) | 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%) | $2,625,896 (-1.9%) | 0.00 | 951 |
| 2023-06-01 | $1,499,250 (-3.3%) | $2,668,461 (1.2%) | 0.00 | 1,064 |
| 2023-07-01 | $1,595,000 (6.3%) | $2,753,232 (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 |
Heber's median listing price for 2023-10-01 was $1,462,500, a difference of
$-91,601
(-5.9%) versus the prior year and
$-30,000 versus the prior month.
Heber's median listing price comes in at 0% of the national average.
Heber's average listing price for 2023-10-01 was $2,657,503, a difference of $-3,506 (-0.1%) versus the prior year and $-31,087 versus the prior month.
For the 2023-10-01 period, Heber had 1,141 MLS listings, a difference of -45 listings (-4%) versus the prior month and 155 listings (16%) versus the prior year.
Heber's median listing price comes in at 0% of the national average.
Heber's average listing price for 2023-10-01 was $2,657,503, a difference of $-3,506 (-0.1%) versus the prior year and $-31,087 versus the prior month.
For the 2023-10-01 period, Heber had 1,141 MLS listings, a difference of -45 listings (-4%) versus the prior month and 155 listings (16%) 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 | 2,808 sqft |
| 2018-03-01 | 0 days | 2,850 sqft |
| 2018-04-01 | 0 days | 2,861 sqft |
| 2018-05-01 | 0 days | 2,961 sqft |
| 2018-06-01 | 0 days | 3,000 sqft |
| 2018-07-01 | 0 days | 3,017 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 | 2,805 sqft |
| 2023-06-01 | 0 days | 2,990 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 |
Heber's median listing age (time on market) for 2023-10-01 was 0 days.
Heber's median square footage for active listings during the 2023-10-01 period was 3,006 sqft. One year prior, the average listing was 2,799 sqft.
Heber's median square footage for active listings during the 2023-10-01 period was 3,006 sqft. One year prior, the average listing was 2,799 sqft.
Heber, UT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,960 | $2,232,580,000 | $1,139,071 |
| Refi | 709 | $487,515,000 | $687,609 |
| Cash Out Refi | 664 | $551,760,000 | $830,964 |
| Home Improvement | 638 | $178,110,000 | $279,169 |
| Other | 581 | $557,715,000 | $959,923 |
Heber's most frequently cited loan purpose was Home Purchase, with 1,960 originations. The 2nd most popular reason was Refi, with 709 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,319 | $1,242,195,000 | $941,770 |
| 4-5% | 1,072 | $855,120,000 | $797,687 |
| 5-6% | 703 | $443,565,000 | $630,960 |
| 2.5-3% | 475 | $694,355,000 | $1,461,800 |
| <2.5% | 371 | $416,545,000 | $1,122,763 |
| 6-7% | 359 | $188,115,000 | $523,997 |
| 7-8% | 158 | $78,920,000 | $499,494 |
| Over 8% | 66 | $28,340,000 | $429,394 |
During 2022, Heber's most frequently originated rate bucket was 3-4%, with 1,319 originations.
Loan Sizing (Heber, UT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $Over $1MM | 1,145 | $2,546,085,000 | $2,223,655 |
| $600k-1000k | 946 | $725,590,000 | $767,008 |
| $200k-400k | 890 | $263,550,000 | $296,124 |
| $400k-600k | 806 | $392,130,000 | $486,514 |
| $100k-200k | 444 | $61,390,000 | $138,266 |
| $100,000 or less | 321 | $18,935,000 | $58,988 |
Heber's loan sizing saw the bucket of loans from $Over $1MM with 1,145 originations, totaling $2,546,085,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 1,322 | $1,696,570,000 | $1,283,336 |
| 20-40% | 897 | $523,195,000 | $583,272 |
| Under 20% | 897 | $194,725,000 | $217,085 |
| 40-60% | 840 | $955,290,000 | $1,137,250 |
| 80-100% | 561 | $576,655,000 | $1,027,906 |
| Over 100% | 3 | $3,645,000 | $1,215,000 |
Heber's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,322 originations, totaling $1,696,570,000 in origination value.