OGDEN - CLEARFIELD Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Ogden - Clearfield averaged
6.8%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.63% and
one month ago for the week of 2024-10-03, the
average rate was 5.93%.
Ogden - Clearfield's average rate one year ago was 7.67%.
For refis of the same type during the week of 2024-11-07, the average rate
was 6.6%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Ogden - Clearfield 30 Year Fixed Rate | 2024-11-07 | 6.8% |
| Ogden - Clearfield 30 Year Fixed Rate Refi | 2024-11-07 | 6.6% |
| Ogden - Clearfield 15 Year Fixed Rate | 2024-11-07 | 6.02% |
| Ogden - Clearfield 15 Year Fixed Rate Refi | 2024-11-07 | 7.72% |
| Ogden - Clearfield 30 Year FHA | 2024-11-07 | 6.35% |
| Ogden - Clearfield 30 Year FHA Refi | 2024-11-07 | 6.53% |
| Ogden - Clearfield 30 Year USDA | 2024-11-07 | 6.38% |
| Ogden - Clearfield 30 Year USDA Refi | 2024-11-07 | 6.58% |
| Ogden - Clearfield 30 Year VA | 2024-11-07 | 6.03% |
| Ogden - Clearfield 30 Year VA Refi | 2024-11-07 | 6.14% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within OGDEN-CLEARFIELD, UT.
OGDEN - CLEARFIELD 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 OGDEN-CLEARFIELD, 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.).
OGDEN - CLEARFIELD Average Closing Costs & Other Stats
OGDEN-CLEARFIELD, UT's 205 lenders originated 19,038
loans during 2023. The total origination value was $5,077,910,000, with an average loan value of
$266,725.
OGDEN - CLEARFIELD's average closing costs are $5,939.
The top OGDEN - CLEARFIELD lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
852 loans originated. Their average total fees are
$7,622, which is $117
higher than the next largest lender,
INTERCAP LENDING INC..
The lowest fee OGDEN - CLEARFIELD lenders (with over 10 loans originated) are
NBKC BANK ($2,661), PREMIA MORTGAGE, LLC ($2,714), SWBC MORTGAGE CORPORATION ($4,171), Zions Bank ($4,335) and NAVY FEDERAL CREDIT UNION ($4,369).
The lowest rate OGDEN - CLEARFIELD lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.03%), NAVY FEDERAL CREDIT UNION (5.80%), CHARTWAY FEDERAL CREDIT UNION (6.02%), INSPIRE HOME LOANS INC. (6.04%) and The Huntington National Bank (6.06%).
OGDEN-CLEARFIELD, 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 |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $814,180,000 | $627,870,000 | -22.9% | 12.4% |
| AMERICA FIRST | $782,270,000 | $536,630,000 | -31.4% | 10.6% |
| INTERCAP LENDING INC. | $427,300,000 | $310,110,000 | -27.4% | 6.1% |
| ACADEMY MORTGAGE CORPORATION | $428,550,000 | $261,075,000 | -39.1% | 5.1% |
| GOLDENWEST | $450,885,000 | $236,010,000 | -47.7% | 4.6% |
| QUICKEN LOANS, LLC | $358,450,000 | $201,165,000 | -43.9% | 4.0% |
| MOUNTAIN AMERICA | $345,500,000 | $157,725,000 | -54.3% | 3.1% |
| Bank of Utah | $103,265,000 | $87,415,000 | -15.3% | 1.7% |
| Zions Bank | $218,700,000 | $86,725,000 | -60.3% | 1.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $109,450,000 | $83,930,000 | -23.3% | 1.7% |
| FIRST COLONY MORTGAGE CORPORATION | $142,370,000 | $83,755,000 | -41.2% | 1.6% |
| CITYWIDE HOME LOANS, LLC | $162,375,000 | $73,905,000 | -54.5% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $99,175,000 | $69,930,000 | -29.5% | 1.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $112,175,000 | $66,220,000 | -41.0% | 1.3% |
| MY MOVE MORTGAGE, LLC | $79,145,000 | $60,880,000 | -23.1% | 1.2% |
| CARDINAL FINANCIAL | $93,815,000 | $59,540,000 | -36.5% | 1.2% |
| M&T Realty Capital Corporation | $14,275,000 | $56,190,000 | 293.6% | 1.1% |
| WALKER & DUNLOP, LLC | $37,175,000 | $55,505,000 | 49.3% | 1.1% |
| GUILD MORTGAGE COMPANY | $80,065,000 | $55,310,000 | -30.9% | 1.1% |
| CASTLE & COOKE MORTGAGE, LLC | $88,015,000 | $54,460,000 | -38.1% | 1.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $68,225,000 | $52,880,000 | -22.5% | 1.0% |
| Citibank | $29,540,000 | $51,515,000 | 74.4% | 1.0% |
| SECURITY SERVICE | $70,595,000 | $51,440,000 | -27.1% | 1.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $61,170,000 | $49,185,000 | -19.6% | 1.0% |
| RANLIFE, INC. | $60,485,000 | $45,510,000 | -24.8% | 0.9% |
| Mortgage Research Center, LLC | $51,725,000 | $42,820,000 | -17.2% | 0.8% |
| Century Mortgage Company DBA Century Lending Company | $33,195,000 | $41,375,000 | 24.6% | 0.8% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $39,595,000 | n/a | 0.8% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $90,095,000 | $39,135,000 | -56.6% | 0.8% |
| U.S. Bank | $68,220,000 | $38,920,000 | -42.9% | 0.8% |
| JPMorgan Chase Bank | $53,190,000 | $32,910,000 | -38.1% | 0.6% |
| Plains Commerce Bank | $8,925,000 | $32,610,000 | 265.4% | 0.6% |
| NEWREZ LLC | $23,500,000 | $29,240,000 | 24.4% | 0.6% |
| Wells Fargo Bank | $87,390,000 | $29,105,000 | -66.7% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $33,210,000 | $28,095,000 | -15.4% | 0.6% |
| AMWEST FUNDING CORP. | $22,715,000 | $27,515,000 | 21.1% | 0.5% |
| Cache Valley Bank | $43,140,000 | $26,815,000 | -37.8% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $69,240,000 | $24,645,000 | -64.4% | 0.5% |
| VERITAS FUNDING, LLC | $54,315,000 | $23,900,000 | -56.0% | 0.5% |
| ORIX REAL ESTATE CAPITAL, LLC | $17,095,000 | $23,325,000 | 36.4% | 0.5% |
| SWBC MORTGAGE CORPORATION | $41,230,000 | $23,320,000 | -43.4% | 0.5% |
| GUARANTEED RATE, INC. | $55,865,000 | $22,945,000 | -58.9% | 0.5% |
| CBRE MULTIFAMILY CAPITAL, INC. | $32,680,000 | $21,650,000 | -33.8% | 0.4% |
| UTAH FIRST | $37,410,000 | $21,365,000 | -42.9% | 0.4% |
| GREYSTONE SERVICING COMPANY LLC | $2,675,000 | $21,220,000 | 693.3% | 0.4% |
| BROKER SOLUTIONS, INC. | $41,765,000 | $21,100,000 | -49.5% | 0.4% |
| KeyBank | $140,080,000 | $21,100,000 | -84.9% | 0.4% |
| INSPIRE HOME LOANS INC. | $24,490,000 | $20,735,000 | -15.3% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $21,275,000 | $20,575,000 | -3.3% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $76,285,000 | $19,860,000 | -74.0% | 0.4% |
| EAGLE HOME MORTGAGE, LLC | $28,005,000 | $19,660,000 | -29.8% | 0.4% |
| SECURITY HOME MORTGAGE, LLC. | $33,265,000 | $19,165,000 | -42.4% | 0.4% |
| Glacier Bank | $36,235,000 | $18,885,000 | -47.9% | 0.4% |
| University First Federal Credit Union | $29,265,000 | $18,765,000 | -35.9% | 0.4% |
| DIRECT MORTGAGE, CORP. | $42,970,000 | $18,595,000 | -56.7% | 0.4% |
| PGIM Real Estate Finance, LLC | $18,505,000 | n/a | 0.4% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,425,000 | $17,545,000 | 1,131.2% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $12,855,000 | $16,660,000 | 29.6% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $65,605,000 | $15,995,000 | -75.6% | 0.3% |
| VAN DYK MORTGAGE CORPORATION | $53,630,000 | $15,795,000 | -70.5% | 0.3% |
| CANOPY MORTGAGE, LLC | $49,095,000 | $15,670,000 | -68.1% | 0.3% |
| Deseret First Credit Union | $35,520,000 | $15,575,000 | -56.2% | 0.3% |
| Wasatch Peaks Federal Credit Union | $45,710,000 | $15,395,000 | -66.3% | 0.3% |
| LOANDEPOT.COM, LLC | $106,185,000 | $14,785,000 | -86.1% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $29,020,000 | $14,400,000 | -50.4% | 0.3% |
| CYPRUS Federal Credit Union | $24,395,000 | $14,280,000 | -41.5% | 0.3% |
| PNC Bank | $52,705,000 | $14,255,000 | -73.0% | 0.3% |
| The Loan Store, Inc. | $425,000 | $14,015,000 | 3,197.6% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $375,000 | $13,060,000 | 3,382.7% | 0.3% |
| The Federal Savings Bank | $17,865,000 | $12,990,000 | -27.3% | 0.3% |
| WEBER STATE FEDERAL CREDIT UNION | $25,215,000 | $12,945,000 | -48.7% | 0.3% |
| Flagstar Bank, FSB | $32,140,000 | $12,065,000 | -62.5% | 0.2% |
| ON Q FINANCIAL, INC. | $11,705,000 | n/a | 0.2% | |
| BMO Harris Bank | $2,295,000 | $11,445,000 | 398.7% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,405,000 | $11,110,000 | 73.5% | 0.2% |
| Bank of America | $10,175,000 | $10,590,000 | 4.1% | 0.2% |
| UTAH COMMUNITY | $17,770,000 | $10,550,000 | -40.6% | 0.2% |
| Northpointe Bank | $12,990,000 | $10,510,000 | -19.1% | 0.2% |
| Washington Federal Bank | $71,140,000 | $10,290,000 | -85.5% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $9,900,000 | n/a | 0.2% | |
| Sierra Pacific Mortgage Company, Inc. | $15,830,000 | $9,760,000 | -38.3% | 0.2% |
| CLM MORTGAGE, INC | $9,490,000 | n/a | 0.2% | |
| Network Funding, L.P. | $27,115,000 | $9,475,000 | -65.1% | 0.2% |
| NEXERA HOLDING LLC | $3,575,000 | $9,470,000 | 164.9% | 0.2% |
| NBKC BANK | $10,025,000 | $9,255,000 | -7.7% | 0.2% |
| S1L, Inc. | $19,335,000 | $9,180,000 | -52.5% | 0.2% |
| CMG MORTGAGE, INC. | $11,350,000 | $8,845,000 | -22.1% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $14,395,000 | $8,665,000 | -39.8% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $59,370,000 | $8,415,000 | -85.8% | 0.2% |
| USAA Federal Savings Bank | $11,205,000 | $8,365,000 | -25.3% | 0.2% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $11,355,000 | $8,145,000 | -28.3% | 0.2% |
| The Huntington National Bank | $9,735,000 | $7,915,000 | -18.7% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $22,375,000 | $7,740,000 | -65.4% | 0.2% |
| Discover Bank | $5,250,000 | $7,425,000 | 41.4% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $7,705,000 | $7,395,000 | -4.0% | 0.1% |
| MORIA DEVELOPMENT, INC. | $9,045,000 | $7,115,000 | -21.3% | 0.1% |
| UNION HOME MORTGAGE CORP. | $11,175,000 | $6,995,000 | -37.4% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $9,570,000 | $6,880,000 | -28.1% | 0.1% |
| Carrington Mortgage Services, LLC | $12,365,000 | $6,755,000 | -45.4% | 0.1% |
| PREMIA MORTGAGE, LLC | $3,210,000 | $6,280,000 | 95.6% | 0.1% |
| PHH Mortgage Corporation | $27,395,000 | $6,115,000 | -77.7% | 0.1% |
| DHI MORTGAGE COMPANY, LTD. | $24,490,000 | $6,085,000 | -75.2% | 0.1% |
| CHARTWAY FEDERAL CREDIT UNION | $1,550,000 | $5,960,000 | 284.5% | 0.1% |
| LENDSURE MORTGAGE CORP. | $13,565,000 | $5,240,000 | -61.4% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $25,670,000 | $5,235,000 | -79.6% | 0.1% |
| J. VIRGIL, INC. | $18,870,000 | $5,230,000 | -72.3% | 0.1% |
| NORTHROP GRUMMAN Federal Credit Union | $3,785,000 | $5,105,000 | 34.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $5,315,000 | $5,065,000 | -4.7% | 0.1% |
| Morgan Stanley Private Bank | $9,085,000 | $5,050,000 | -44.4% | 0.1% |
| HOMEAMERICAN MORTGAGE CORPORATION | $28,485,000 | $4,400,000 | -84.6% | 0.1% |
| D. L. Evans Bank | $17,460,000 | $4,360,000 | -75.0% | 0.1% |
| Ameris Bank | $1,680,000 | $4,270,000 | 154.2% | 0.1% |
| MEMBERS FIRST CREDIT UNION | $4,175,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $765,000 | $3,985,000 | 420.9% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $3,965,000 | n/a | 0.1% | |
| OCMBC, INC. | $7,105,000 | $3,865,000 | -45.6% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $10,765,000 | $3,835,000 | -64.4% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $16,620,000 | $3,805,000 | -77.1% | 0.1% |
| BAY EQUITY LLC | $11,150,000 | $3,785,000 | -66.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $18,840,000 | $3,735,000 | -80.2% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $2,060,000 | $3,705,000 | 79.9% | 0.1% |
| Bank of England | $3,205,000 | $3,460,000 | 8.0% | 0.1% |
| Raymond James Bank | $375,000 | $3,410,000 | 809.3% | 0.1% |
| Utah Mortgage Loan Corporation | $20,355,000 | $3,320,000 | -83.7% | 0.1% |
| BNC National Bank | $4,115,000 | $3,315,000 | -19.4% | 0.1% |
| Figure Lending LLC | $170,000 | $3,305,000 | 1,844.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $8,675,000 | $3,160,000 | -63.6% | 0.1% |
| AXIA FINANCIAL, LLC | $5,520,000 | $3,050,000 | -44.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $2,140,000 | $3,005,000 | 40.4% | 0.1% |
| First Savings Bank | $670,000 | $2,985,000 | 345.5% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $26,980,000 | $2,980,000 | -89.0% | 0.1% |
| NBH Bank | $14,900,000 | $2,955,000 | -80.2% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $5,875,000 | $2,910,000 | -50.5% | 0.1% |
| Coastal Community Bank | $2,885,000 | n/a | 0.1% | |
| Utah Power | $7,435,000 | $2,870,000 | -61.4% | 0.1% |
| GENEVA FINANCIAL, LLC | $2,525,000 | $2,840,000 | 12.5% | 0.1% |
| University Bank | $2,795,000 | n/a | 0.1% | |
| SUN AMERICAN MORTGAGE COMPANY | $2,810,000 | $2,780,000 | -1.1% | 0.1% |
| Cornerstone First Mortgage, Inc | $355,000 | $2,715,000 | 664.8% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $1,670,000 | $2,680,000 | 60.5% | 0.1% |
| ALLIANT CREDIT UNION | $3,380,000 | $2,650,000 | -21.6% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $6,585,000 | $2,630,000 | -60.1% | 0.1% |
| Equity Prime Mortgage LLC | $3,220,000 | $2,615,000 | -18.8% | 0.1% |
| LOANPAL, LLC | $16,915,000 | $2,580,000 | -84.7% | 0.1% |
| GRANITE FEDERAL CREDIT UNION | $10,210,000 | $2,280,000 | -77.7% | 0.0% |
| PLANET HOME LENDING, LLC | $3,260,000 | $2,275,000 | -30.2% | 0.0% |
| Citadel Servicing Corporation | $9,100,000 | $2,200,000 | -75.8% | 0.0% |
| EVERETT FINANCIAL, INC. | $21,870,000 | $2,195,000 | -90.0% | 0.0% |
| SIRVA MORTGAGE, INC. | $2,180,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $2,970,000 | $2,105,000 | -29.1% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $1,320,000 | $2,080,000 | 57.6% | 0.0% |
| HomeTrust Bank | $1,330,000 | $2,065,000 | 55.3% | 0.0% |
| HORIZON UTAH Federal Credit Union | $3,060,000 | $2,045,000 | -33.2% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,455,000 | $1,975,000 | 35.7% | 0.0% |
| AMERICAN UNITED FAMILY OF CREDIT UN | $1,070,000 | $1,930,000 | 80.4% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $570,000 | $1,770,000 | 210.5% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,305,000 | $1,695,000 | 29.9% | 0.0% |
| M&T Bank | $2,305,000 | $1,695,000 | -26.5% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,410,000 | $1,695,000 | 20.2% | 0.0% |
| ARC HOME LLC | $1,690,000 | n/a | 0.0% | |
| CHEVRON | $2,080,000 | $1,665,000 | -20.0% | 0.0% |
| Regions Bank | $155,000 | $1,655,000 | 967.7% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $1,610,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $1,805,000 | $1,585,000 | -12.2% | 0.0% |
| First-Citizens Bank & Trust Company | $765,000 | $1,500,000 | 96.1% | 0.0% |
| Commerce Home Mortgage, Inc. | $3,700,000 | $1,495,000 | -59.6% | 0.0% |
| Axos Bank | $845,000 | $1,440,000 | 70.4% | 0.0% |
| BETTER MORTGAGE CORPORATION | $13,620,000 | $1,410,000 | -89.6% | 0.0% |
| Gateway First Bank | $12,085,000 | $1,405,000 | -88.4% | 0.0% |
| SourceOne Financial, Inc. | $2,470,000 | $1,395,000 | -43.5% | 0.0% |
| NEST HOME LENDING, LLC | $3,625,000 | $1,325,000 | -63.4% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $2,035,000 | $1,320,000 | -35.1% | 0.0% |
| Charles Schwab Bank, SSB | $3,320,000 | $1,290,000 | -61.1% | 0.0% |
| BEEHIVE | $365,000 | $1,260,000 | 245.2% | 0.0% |
| UBS Bank USA | $665,000 | $1,260,000 | 89.5% | 0.0% |
| Magnolia Bank | $2,725,000 | $1,235,000 | -54.7% | 0.0% |
| MORTGAGEONE, INC. | $1,040,000 | $1,235,000 | 18.8% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $8,940,000 | $1,160,000 | -87.0% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,160,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $1,875,000 | $1,135,000 | -39.5% | 0.0% |
| AmeriHome Mortgage Company, LLC | $495,000 | $1,105,000 | 123.2% | 0.0% |
| ONY GLO, INC. | $1,105,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $1,090,000 | n/a | 0.0% | |
| NexBank | $670,000 | $1,065,000 | 59.0% | 0.0% |
| BNY Mellon | $805,000 | $1,030,000 | 28.0% | 0.0% |
| CIBC Bank USA | $1,025,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $800,000 | $1,020,000 | 27.5% | 0.0% |
| ZILLOW HOME LOANS, LLC | $1,020,000 | n/a | 0.0% | |
| Citizens Bank | $2,195,000 | $1,015,000 | -53.8% | 0.0% |
| READYCAP COMMERCIAL, LLC | $21,545,000 | $1,005,000 | -95.3% | 0.0% |
| LIMA ONE CAPITAL, LLC | $1,615,000 | $1,000,000 | -38.1% | 0.0% |
| TBI MORTGAGE COMPANY | $9,065,000 | $1,000,000 | -89.0% | 0.0% |
| SPRING EQ, LLC | $4,145,000 | $985,000 | -76.2% | 0.0% |
| GEORGIA'S OWN | $3,075,000 | $975,000 | -68.3% | 0.0% |
| Neighborhood Loans, Inc. | $960,000 | n/a | 0.0% | |
| Ally Bank | $6,600,000 | $940,000 | -85.8% | 0.0% |
| BENCH EQUITY L.L.C. | $2,765,000 | $925,000 | -66.5% | 0.0% |
| Presidential Bank, FSB | $915,000 | n/a | 0.0% | |
| Chicago Mortgage Solutions LLC | $6,770,000 | $910,000 | -86.6% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $8,575,000 | $900,000 | -89.5% | 0.0% |
| Hercules First Federal Credit Union | $890,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $415,000 | $880,000 | 112.0% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $9,585,000 | $855,000 | -91.1% | 0.0% |
| Leader Bank | $855,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $825,000 | n/a | 0.0% | |
| KINECTA | $805,000 | n/a | 0.0% | |
| Fifth Third Bank | $1,080,000 | $800,000 | -25.9% | 0.0% |
| Central Bank | $715,000 | $795,000 | 11.2% | 0.0% |
| First National Bank of America | $1,160,000 | $795,000 | -31.5% | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | $760,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $745,000 | n/a | 0.0% | |
| BELEM SERVICING LLC | $2,270,000 | $730,000 | -67.8% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $605,000 | $705,000 | 16.5% | 0.0% |
| Servion, Inc. | $700,000 | n/a | 0.0% | |
| The Central Trust Bank | $2,910,000 | $685,000 | -76.5% | 0.0% |
| Watermark Capital, Inc. | $3,510,000 | $685,000 | -80.5% | 0.0% |
| NP, Inc. | $165,000 | $670,000 | 306.1% | 0.0% |
| First Federal Savings Bank of Twin Falls | $640,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $1,500,000 | $640,000 | -57.3% | 0.0% |
| Union Savings Bank | $640,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $540,000 | $630,000 | 16.7% | 0.0% |
| First Horizon Bank | $615,000 | n/a | 0.0% | |
| Ixonia Bank | $615,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $1,420,000 | $600,000 | -57.7% | 0.0% |
| Truist | $3,305,000 | $560,000 | -83.1% | 0.0% |
| Evolve Bank & Trust | $555,000 | n/a | 0.0% | |
| Heritage Bank | $555,000 | n/a | 0.0% | |
| HIWAY | $535,000 | n/a | 0.0% | |
| FirstBank | $2,555,000 | $505,000 | -80.2% | 0.0% |
| Toyota Financial Savings Bank | $505,000 | n/a | 0.0% | |
| Warsaw Federal Savings and Loan Association | $505,000 | n/a | 0.0% | |
| Southwest Airlines Federal Credit Union | $500,000 | n/a | 0.0% | |
| First Interstate Bank | $105,000 | $485,000 | 361.9% | 0.0% |
| Firefighters First Federal Credit Union | $310,000 | $480,000 | 54.8% | 0.0% |
| GTE Federal Credit Union | $680,000 | $475,000 | -30.1% | 0.0% |
| NFM, INC. | $845,000 | $475,000 | -43.8% | 0.0% |
| First Republic Bank | $4,685,000 | $465,000 | -90.1% | 0.0% |
| Sunflower Bank | $665,000 | $465,000 | -30.1% | 0.0% |
| Royal Credit Union | $455,000 | n/a | 0.0% | |
| GMFS LLC | $450,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $375,000 | $445,000 | 18.7% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $9,760,000 | $440,000 | -95.5% | 0.0% |
| TOWNE MORTGAGE COMPANY | $435,000 | n/a | 0.0% | |
| Service Federal Credit Union | $145,000 | $430,000 | 196.6% | 0.0% |
| UMB Bank | $665,000 | $425,000 | -36.1% | 0.0% |
| OAKTREE FUNDING CORP. | $785,000 | $420,000 | -46.5% | 0.0% |
| Encompass Lending Group, LP | $415,000 | n/a | 0.0% | |
| Old National Bank | $2,245,000 | $415,000 | -81.5% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $515,000 | $405,000 | -21.4% | 0.0% |
| Willamette Valley Bank | $215,000 | $405,000 | 88.4% | 0.0% |
| CIBM Bank | $395,000 | n/a | 0.0% | |
| Mid-America Bank | $395,000 | n/a | 0.0% | |
| Peoples Bank | $315,000 | $390,000 | 23.8% | 0.0% |
| AMCAP MORTGAGE, LTD. | $385,000 | n/a | 0.0% | |
| WRIGHT-PATT CREDIT UNION, INC. | $385,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $375,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $375,000 | n/a | 0.0% | |
| First Bank | $375,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $8,055,000 | $375,000 | -95.3% | 0.0% |
| Semper Home Loans, Inc. | $375,000 | n/a | 0.0% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $850,000 | $375,000 | -55.9% | 0.0% |
| Umpqua Bank | $545,000 | $375,000 | -31.2% | 0.0% |
| HighTechLending Inc | $3,515,000 | $370,000 | -89.5% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $485,000 | $365,000 | -24.7% | 0.0% |
| Nations Lending Corporation | $2,480,000 | $365,000 | -85.3% | 0.0% |
| Northwest Farm Credit Services, FLCA | $5,300,000 | $355,000 | -93.3% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $245,000 | $350,000 | 42.9% | 0.0% |
| Hometown Equity Mortgage, LLC | $1,315,000 | $345,000 | -73.8% | 0.0% |
| Waterstone Mortgage Corporation | $405,000 | $345,000 | -14.8% | 0.0% |
| CALIBER HOME LOANS, INC. | $107,695,000 | $325,000 | -99.7% | 0.0% |
| First Western Trust Bank | $295,000 | $325,000 | 10.2% | 0.0% |
| FUNDLOANS CAPITAL | $700,000 | $325,000 | -53.6% | 0.0% |
| PINNACLE LENDING GROUP, INC. | $325,000 | n/a | 0.0% | |
| CRESCENT MORTGAGE COMPANY | $315,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $575,000 | $315,000 | -45.2% | 0.0% |
| Prosperity Home Mortgage, LLC | $395,000 | $315,000 | -20.3% | 0.0% |
| Alaska USA Federal Credit Union | $305,000 | n/a | 0.0% | |
| Victorian Finance, LLC | $5,640,000 | $305,000 | -94.6% | 0.0% |
| BM Real Estate Services, Inc. | $665,000 | $295,000 | -55.6% | 0.0% |
| EMBRACE HOME LOANS, INC. | $2,610,000 | $295,000 | -88.7% | 0.0% |
| Paramount Bank | $1,530,000 | $275,000 | -82.0% | 0.0% |
| OPEN MORTGAGE, LLC | $675,000 | $260,000 | -61.5% | 0.0% |
| Bethpage Federal Credit Union | $230,000 | $255,000 | 10.9% | 0.0% |
| MICHIGAN MUTUAL, INC. | $255,000 | n/a | 0.0% | |
| TOWER | $255,000 | n/a | 0.0% | |
| 5TH STREET CAPITAL, INC. | $245,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $2,280,000 | $230,000 | -89.9% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $225,000 | n/a | 0.0% | |
| Baxter Credit Union | $955,000 | $205,000 | -78.5% | 0.0% |
| Meridian Trust Federal Credit Union | $195,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $185,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $185,000 | n/a | 0.0% | |
| CANVAS CREDIT UNION | $165,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $765,000 | $165,000 | -78.4% | 0.0% |
| Connexus Credit Union | $155,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $155,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $120,000 | n/a | 0.0% | |
| Blue Ridge Bank | $115,000 | n/a | 0.0% | |
| ADVANCIAL | $1,130,000 | $95,000 | -91.6% | 0.0% |
| STAR ONE CREDIT UNION | $95,000 | $85,000 | -10.5% | 0.0% |
| Bank of the West | $8,580,000 | $75,000 | -99.1% | 0.0% |
| Alpine Credit Union | $65,000 | $65,000 | 0.0% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $65,000 | n/a | 0.0% |
OGDEN - CLEARFIELD's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 12.4% market share. In second place, with 10.6%, is AMERICA FIRST, having originated $536,630,000 in loans. In third place, with 6.1%, is INTERCAP LENDING INC., having originated $310,110,000 in loans. In fourth place, with 5.1%, is ACADEMY MORTGAGE CORPORATION, having originated $261,075,000 in loans. In fifth place, with 4.6%, is GOLDENWEST, having originated $236,010,000 in loans.
OGDEN-CLEARFIELD, UT Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 84010 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,030 | $1,120 | $1,370 | $1,880 | $2,280 |
| 84011 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,040 | $1,130 | $1,380 | $1,900 | $2,300 |
| 84014 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,120 | $1,220 | $1,490 | $2,050 | $2,480 |
| 84015 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,020 | $1,110 | $1,360 | $1,870 | $2,270 |
| 84016 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,040 | $1,130 | $1,380 | $1,900 | $2,300 |
| 84017 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,080 | $1,180 | $1,440 | $1,980 | $2,400 |
| 84018 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,080 | $1,180 | $1,440 | $1,980 | $2,400 |
| 84025 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,080 | $1,180 | $1,440 | $1,980 | $2,400 |
| 84037 | Ogden-Clearfield, UT HUD Metro FMR Area | $980 | $1,070 | $1,310 | $1,800 | $2,180 |
| 84040 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,240 | $1,350 | $1,650 | $2,270 | $2,750 |
| 84041 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,020 | $1,110 | $1,360 | $1,870 | $2,270 |
| 84050 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,080 | $1,180 | $1,440 | $1,980 | $2,400 |
| 84054 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,070 | $1,170 | $1,430 | $1,970 | $2,380 |
| 84056 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,170 | $1,280 | $1,560 | $2,150 | $2,600 |
| 84067 | Ogden-Clearfield, UT HUD Metro FMR Area | $980 | $1,060 | $1,300 | $1,790 | $2,170 |
| 84075 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,420 | $1,550 | $1,890 | $2,600 | $3,150 |
| 84087 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,240 | $1,350 | $1,650 | $2,270 | $2,750 |
| 84089 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,040 | $1,130 | $1,380 | $1,900 | $2,300 |
| 84116 | Ogden-Clearfield, UT HUD Metro FMR Area | $940 | $1,120 | $1,340 | $1,840 | $2,060 |
| 84310 | Ogden-Clearfield, UT HUD Metro FMR Area | $920 | $1,000 | $1,230 | $1,690 | $2,050 |
| 84315 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,130 | $1,230 | $1,500 | $2,060 | $2,500 |
| 84317 | Ogden-Clearfield, UT HUD Metro FMR Area | $1,020 | $1,120 | $1,370 | $1,880 | $2,280 |
| 84401 | Ogden-Clearfield, UT HUD Metro FMR Area | $860 | $940 | $1,150 | $1,580 | $1,920 |
| 84402 | Ogden-Clearfield, UT HUD Metro FMR Area | $850 | $920 | $1,130 | $1,550 | $1,880 |
| 84403 | Ogden-Clearfield, UT HUD Metro FMR Area | $800 | $880 | $1,070 | $1,470 | $1,780 |
| 84404 | Ogden-Clearfield, UT HUD Metro FMR Area | $890 | $970 | $1,180 | $1,620 | $1,970 |
| 84405 | Ogden-Clearfield, UT HUD Metro FMR Area | $860 | $940 | $1,150 | $1,580 | $1,920 |
| 84408 | Ogden-Clearfield, UT HUD Metro FMR Area | $850 | $920 | $1,130 | $1,550 | $1,880 |
| 84409 | Ogden-Clearfield, UT HUD Metro FMR Area | $850 | $920 | $1,130 | $1,550 | $1,880 |
| 84412 | Ogden-Clearfield, UT HUD Metro FMR Area | $850 | $920 | $1,130 | $1,550 | $1,880 |
| 84414 | Ogden-Clearfield, UT HUD Metro FMR Area | $980 | $1,060 | $1,300 | $1,790 | $2,170 |
| 84415 | Ogden-Clearfield, UT HUD Metro FMR Area | $850 | $920 | $1,130 | $1,550 | $1,880 |
2022 Average & Median Rent Data Statistics
OGDEN-CLEARFIELD, UT average 1BR rent: $1,105, median: $1,120
OGDEN-CLEARFIELD, UT average 2BR rent: $1,350, median: $1,365
OGDEN-CLEARFIELD, UT average 3BR rent: $1,856, median: $1,875
OGDEN-CLEARFIELD, UT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 8,230 | $3,281,800,000 | $398,761 |
| Home Improvement | 3,559 | $341,685,000 | $96,006 |
| Other | 2,866 | $271,430,000 | $94,707 |
| Refi | 2,446 | $669,960,000 | $273,900 |
| Cash Out Refi | 1,935 | $512,025,000 | $264,612 |
| NA | 2 | $1,010,000 | $505,000 |
Ogden - Clearfield's most frequently cited loan purpose was Home Purchase, with 8,230 originations. The 2nd most popular reason was Home Improvement, with 3,559 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 5,946 | $2,067,700,000 | $347,746 |
| 7-8% | 5,599 | $1,118,145,000 | $199,704 |
| Over 8% | 3,876 | $480,630,000 | $124,002 |
| 5-6% | 2,762 | $1,075,450,000 | $389,374 |
| 4-5% | 594 | $136,040,000 | $229,024 |
| 3-4% | 82 | $21,260,000 | $259,268 |
| 2.5-3% | 30 | $11,590,000 | $386,333 |
| <2.5% | 13 | $26,555,000 | $2,042,692 |
During 2023, Ogden - Clearfield's most frequently originated rate bucket was 6-7%, with 5,946 originations.
Loan Sizing (OGDEN-CLEARFIELD, UT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 6,576 | $327,410,000 | $49,789 |
| $200k-400k | 5,149 | $1,579,755,000 | $306,808 |
| $400k-600k | 3,312 | $1,570,980,000 | $474,330 |
| $100k-200k | 2,867 | $389,545,000 | $135,872 |
| $600k-1000k | 960 | $675,570,000 | $703,719 |
| $Over $1MM | 174 | $534,650,000 | $3,072,701 |
OGDEN - CLEARFIELD's loan sizing saw the bucket of loans from $100,000 or less with 6,576 originations, totaling $327,410,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 6,973 | $414,095,000 | $59,385 |
| 80-100% | 5,142 | $2,233,540,000 | $434,372 |
| 20-40% | 2,637 | $453,915,000 | $172,133 |
| 60-80% | 2,364 | $1,081,800,000 | $457,614 |
| 40-60% | 1,463 | $608,955,000 | $416,237 |
| Over 100% | 261 | $145,975,000 | $559,291 |
OGDEN - CLEARFIELD's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 6,973 originations, totaling $414,095,000 in origination value.