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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 189 4.68% $8,309
Wells Fargo Bank 156 3.75% $6,659
QUICKEN LOANS, LLC 109 4.60% $8,644
INTERCAP LENDING INC. 108 5.11% $7,645
U.S. Bank 101 3.85% $10,042
SECURITY SERVICE 94 3.98% $23,114
JPMorgan Chase Bank 85 3.92% $7,215
Zions Bank 82 3.79% $4,664
First Republic Bank 67 3.15% $11,936
Morgan Stanley Private Bank 65 3.36% $5,815
Bank of America 65 3.27% $6,925
LOANDEPOT.COM, LLC 42 4.02% $6,746
Citibank 39 3.27% $7,310
SECURITYNATIONAL MORTGAGE COMPANY 37 5.24% $11,326
GUILD MORTGAGE COMPANY 37 4.53% $7,152
Charles Schwab Bank, SSB 36 3.28% $6,840
KeyBank 34 3.43% $5,617
FIRST COLONY MORTGAGE CORPORATION 32 5.32% $10,309
UBS Bank USA 32 3.32% $8,071
ACADEMY MORTGAGE CORPORATION 31 4.88% $8,603
CARDINAL FINANCIAL 31 4.71% $8,710
UTAH COMMUNITY 30 4.03% $7,280
HOME POINT FINANCIAL CORPORATION 24 3.83% $5,982
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 23 5.04% $8,806
Washington Federal Bank 21 4.65% $16,968
MY MOVE MORTGAGE, LLC 20 4.79% $7,270
CALIBER HOME LOANS, INC. 19 4.72% $7,417
LENDSURE MORTGAGE CORP. 17 4.87% $27,035
EVERETT FINANCIAL, INC. 16 4.53% $3,013
CROSSCOUNTRY MORTGAGE, LLC 16 5.56% $11,732
PNC Bank 16 3.44% $7,660
BROKER SOLUTIONS, INC. 16 4.12% $8,260
MOUNTAIN AMERICA 16 4.23% $7,646
AMERISAVE MORTGAGE CORPORATION 16 4.12% $9,082
Truist 15 4.26% $9,691
DIRECT MORTGAGE, CORP. 15 4.47% $8,250
GUARANTEED RATE, INC. 15 4.62% $6,767
Glacier Bank 14 4.24% $21,205
SECURITY HOME MORTGAGE, LLC. 14 4.43% $10,023
Sierra Pacific Mortgage Company, Inc. 14 5.55% $9,230
City National Bank 14 3.09% $6,465
Goldman Sachs Bank USA 13 3.20% $7,497
VERITAS FUNDING, LLC 13 4.47% $8,066
Flagstar Bank, FSB 11 4.26% $8,277
DHI MORTGAGE COMPANY, LTD. 11 3.07% $4,519
GUARANTEED RATE AFFINITY, LLC 10 4.30% $7,252
BNY Mellon 10 3.30% $6,881
Stifel Bank and Trust 10 3.94% $4,250
Chicago Mortgage Solutions LLC 10 3.53% $6,867
PROVIDENT FUNDING ASSOCIATES, L.P. 10 3.69% $4,082
Silicon Valley Bank 9 2.74% $6,737
Raymond James Bank 9 3.40% $7,193
CITYWIDE HOME LOANS, LLC 9 4.30% $8,968
Bank of Utah 9 5.06% $9,036
Northpointe Bank 8 6.08% $9,480
PENNYMAC LOAN SERVICES, LLC 8 3.72% $11,246
PRIMARY RESIDENTIAL MORTGAGE, INC. 8 4.45% $7,451
University First Federal Credit Union 8 5.41% $17,730
AMERICA FIRST 8 5.00% $6,906
Bank of the West 7 2.86% $6,547
BETTER MORTGAGE CORPORATION 7 4.14% $5,655
Mr. Cooper ( Nationstar Mortgage ) 7 3.91% $10,607
MOVEMENT MORTGAGE, LLC 6 4.21% $10,760
NAVY FEDERAL CREDIT UNION 6 3.63% $9,372
CMG MORTGAGE, INC. 6 4.50% $9,932
The Huntington National Bank 6 3.70% $7,605
ANGEL OAK MORTGAGE SOLUTIONS LLC 6 5.52% $16,154
Network Funding, L.P. 6 4.92% $10,553
CANOPY MORTGAGE, LLC 6 3.46% $7,816
FINANCE OF AMERICA MORTGAGE LLC 5 4.02% $10,528
ADVANCIAL 5 6.55% $7,996
Florida Capital Bank 5 4.08% $7,665
FREEDOM MORTGAGE CORPORATION 5 3.28% $8,974
FirstBank 4 3.84% $4,090
Wyndham Capital Mortgage, Inc. 4 3.53% $4,293
HSBC BANK USA, NATIONAL ASSOCIATION 4 3.91% $6,857
AMERICAN PACIFIC MORTGAGE CORPORATION 4 4.22% $9,215
NEXERA HOLDING LLC 4 5.69% $39,810
5TH STREET CAPITAL, INC. 3 6.16% $17,549
Axos Bank 3 4.04% $8,402
CYPRUS Federal Credit Union 3 3.58% $11,254
FBC MORTGAGE, LLC 3 6.29% $13,660
Gateway First Bank 3 5.13% $1,649
LAKEVIEW LOAN SERVICING, LLC 3 3.88% $5,597
MidFirst Bank 3 4.99% $8,787
NBH Bank 3 4.16% $6,895
NBKC BANK 3 5.13% $6,066
Paramount Residential Mortgage Group, Inc. 3 5.33% $6,328
PHH Mortgage Corporation 3 3.96% $12,057
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 4.50% $4,299
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 3 5.21% $7,560
STEARNS LENDING, LLC 3 3.42% $6,633
United Nations Federal Credit Union 3 3.08% $4,193
Watermark Capital, Inc. 3 5.17% $7,732
SUMMIT FUNDING, INC. 2 4.19% $16,868
SUN AMERICAN MORTGAGE COMPANY 2 4.81% $6,135
CHEVRON 2 4.00% $5,131
CHERRY CREEK MORTGAGE, LLC 2 3.13% $201
Luxury Mortgage Corp. 2 6.12% $17,197
Century Mortgage Company DBA Century Lending Company 2 5.19% $18,875
CASTLE & COOKE MORTGAGE, LLC 2 5.81% $9,893
NEWREZ LLC 2 5.88% $3,819
RANLIFE, INC. 2 5.19% $8,220
Cache Valley Bank 2 4.75% $3,899
Citadel Servicing Corporation 2 5.69% $12,524
Discover Bank 2 4.20% $0
Deseret First Credit Union 2 6.50% $3,573
BMO Harris Bank 2 3.19% $8,108
JMAC LENDING, INC. 2 4.88% $18,996
Commerce Home Mortgage, Inc. 2 4.56% $18,581
AMERICAN FINANCING CORPORATION 2 5.81% $12,901
FIRST TECHNOLOGY 2 5.06% $8,103
Grand Valley Bank 2 3.88% $6,607
GRANITE FEDERAL CREDIT UNION 2 4.81% $5,004
VAN DYK MORTGAGE CORPORATION 2 4.31% $5,644
PENTAGON FEDERAL CREDIT UNION 2 3.56% $7,294
Academy Bank 2 5.00% $3,475
Pinnacle Bank 2 4.81% $5,320
Fifth Third Bank 2 3.06% $7,450
WINGS FINANCIAL 2 4.94% $3,483
EVANSVILLE TEACHERS 2 4.31% $9,143
HOMEXPRESS MORTGAGE CORP. 2 5.88% $7,927
Ally Bank 1 4.49% $9,242
S1L, Inc. 1 3.88% $17,553
BLUE BRICK FINANCIAL LLC 1 3.99% $1,820
Bethpage Federal Credit Union 1 3.13% $4,771
SHARONVIEW FEDERAL CREDIT UNION 1 3.63% $4,609
BAY EQUITY LLC 1 5.50% $22,051
Bank-Fund Staff Federal Credit Union 1 3.88% $12,843
SOFI LENDING CORP. 1 3.50% $18,835
STANFORD Federal Credit Union 1 4.05% $3,940
STAR ONE CREDIT UNION 1 3.13% $3,601
Bank First, N.A. 1 5.99% $5,502
The Federal Savings Bank 1 5.25% $13,926
BancorpSouth 1 3.25% $25,162
The Northern Trust Company 1 4.25% $5,752
TJC Mortgage, Inc. 1 4.38% $18,442
TOGETHER CREDIT UNION 1 5.49% $3,806
TRANSWEST CREDIT UNION 1 5.00% $12,010
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.99% $6,684
ANGEL OAK HOME LOANS LLC 1 5.38% $14,022
UMB Bank 1 4.69% $2,389
ALAMEDA MORTGAGE CORPORATION 1 6.00% $6,012
UNITED SECURITY FINANCIAL CORP 1 3.13% $9,222
ANDREWS FEDERAL CREDIT UNION 1 4.50% $5,742
AmRes Corporation 1 6.50% $23,419
AmeriHome Mortgage Company, LLC 1 6.13% $2,540
AMERICAN UNITED FAMILY OF CREDIT UN 1 3.82% $4,518
GSF Mortgage Corporation 1 4.13% $5,274
Firstrust Savings Bank 1 3.25% $9,650
First Merchants Bank 1 2.88% $5,846
GUARANTY HOME MORTGAGE CORPORATION 1 3.25% $6,925
First Internet Bank of Indiana 1 5.13% $5,854
First International Bank & Trust 1 5.88% $22,290
HOMESIDE FINANCIAL, LLC 1 4.38% $8,236
HOMESTEAD FUNDING CORP. 1 3.88% $4,165
First Horizon Bank 1 3.00% $3,058
First Guaranty Mortgage Corporation 1 3.38% $3,990
ITHINK FINANCIAL Credit Union 1 6.75% $9,002
First-Citizens Bank & Trust Company 1 4.33% $8,124
KELLER MORTGAGE, LLC 1 4.50% $13,638
FineMark National Bank & Trust 1 3.75% $7,597
KINECTA 1 3.00% $63,811
Utah Mortgage Loan Corporation 1 5.50% $4,885
Merchants Bank of Indiana 1 3.75% $3,562
DRAPER AND KRAMER MORTGAGE CORP. 1 4.00% $5,649
MORIA DEVELOPMENT, INC. 1 6.50% $7,610
MORTGAGEONE, INC. 1 4.50% $5,967
CRESCENT MORTGAGE COMPANY 1 5.50% $11,187
Comerica Bank 1 4.50% $8,900
AMERICAN INTERNET MORTGAGE, INC. 1 2.88% $3,060
V.I.P. MORTGAGE, INC. 1 4.63% $4,965
Citizens Bank 1 4.50% $10,720
North American Savings Bank, F.S.B. 1 6.25% $1,364
CIBC Bank USA 1 3.38% $9,978
OCMBC, INC. 1 6.88% $21,249
PANORAMA MORTGAGE GROUP, LLC 1 7.13% $11,419
CHURCHILL MORTGAGE CORPORATION 1 4.00% $4,477
Plains Commerce Bank 1 3.75% $6,195
PLAZA HOME MORTGAGE, INC. 1 5.75% $5,803
Waterstone Mortgage Corporation 1 5.13% $5,093
Quontic Bank 1 6.50% $43,955
RBC Bank, (Georgia) 1 4.38% $6,866

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.

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, 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.