OGDEN - CLEARFIELD Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Ogden - Clearfield averaged
3.19%
for the week of 2021-11-24, compared to the national average of
3.1% for the same period.
The average rate for the prior week (2021-11-18) was
3.39% and
one month ago for the week of 2021-10-21, the
average rate was 3.08%.
Ogden - Clearfield's average rate one year ago was 2.81%.
For refis of the same type during the week of 2021-11-24, the average rate
was 3.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2021-11-24 | 3.1% |
| Ogden - Clearfield 30 Year Fixed Rate | 2021-11-24 | 3.19% |
| Ogden - Clearfield 30 Year Fixed Rate Refi | 2021-11-24 | 3.11% |
| Ogden - Clearfield 15 Year Fixed Rate | 2021-11-24 | 3.1% |
| Ogden - Clearfield 15 Year Fixed Rate Refi | 2021-11-24 | 2.64% |
| Ogden - Clearfield 30 Year FHA | 2021-11-24 | 3.22% |
| Ogden - Clearfield 30 Year FHA Refi | 2021-11-24 | 3.24% |
| Ogden - Clearfield 30 Year USDA | 2021-11-24 | 3.03% |
| Ogden - Clearfield 30 Year USDA Refi | 2021-11-24 | 3.22% |
| Ogden - Clearfield 30 Year VA | 2021-11-24 | 3.31% |
| Ogden - Clearfield 30 Year VA Refi | 2021-11-24 | 2.72% |
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 lendor, 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, UT's 268 lenders originated 62,336
loans during 2020. The total origination value was $16,374,200,000, with an average loan value of
$262,676.
The top OGDEN - CLEARFIELD lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
3,383 loans originated. Their average total fees are
$4,545, which is $888
lower than the next largest lender,
ACADEMY MORTGAGE CORPORATION.
The lowest fee OGDEN - CLEARFIELD lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($689), CHERRY CREEK MORTGAGE, LLC ($1,026), SUN WEST MORTGAGE COMPANY, INC. ($1,085), ROUNDPOINT MORTGAGE SERVICING CORPORATION ($1,554) and Wyndham Capital Mortgage, Inc. ($1,659).
The lowest rate OGDEN - CLEARFIELD lenders (with over 10 loans originated) are
PREMIA MORTGAGE, LLC (2.83%), BLUE BRICK FINANCIAL LLC (2.89%), Plains Commerce Bank (2.90%), AMERISAVE MORTGAGE CORPORATION (2.93%) and WEBER STATE FEDERAL CREDIT UNION (2.93%).
OGDEN-CLEARFIELD, UT Lender Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2019 Loan Value | 2020 Loan Value | % Change | 2020 Market Share |
|---|---|---|---|---|
| United Shore Financial Services LLC | $906,885,000 | $1,497,440,000 | 65.1% | 9.1% |
| Academy Mortgage Corporation | $564,580,000 | $1,025,770,000 | 81.7% | 6.3% |
| Quicken Loans | $517,380,000 | $973,565,000 | 88.2% | 5.9% |
| America First Federal Credit Union | $675,460,000 | $850,980,000 | 26.0% | 5.2% |
| Intercap Lending Inc | $311,950,000 | $800,590,000 | 156.6% | 4.9% |
| Goldenwest Credit Union | $340,475,000 | $675,365,000 | 98.4% | 4.1% |
| Citywide Home Loans A Utah Corporation | $277,685,000 | $477,295,000 | 71.9% | 2.9% |
| Mountain America Credit Union | $205,700,000 | $381,075,000 | 85.3% | 2.3% |
| Provident Funding Associates | $278,335,000 | $376,110,000 | 35.1% | 2.3% |
| Freedom Mortgage Corporation | $133,735,000 | $368,190,000 | 175.3% | 2.2% |
| Nudge Funding LLC | $328,100,000 | n/a | 2.0% | |
| Caliber Home Loans Inc | $257,470,000 | $324,785,000 | 26.1% | 2.0% |
| American Pacific Mortgage Corporation | $148,250,000 | $256,030,000 | 72.7% | 1.6% |
| FAIRWAY INDEPENDENT MORT CORP | $152,950,000 | $230,390,000 | 50.6% | 1.4% |
| Primary Residential Mortgage Inc. | $114,440,000 | $223,905,000 | 95.7% | 1.4% |
| WELLS FARGO BANK NA | $163,600,000 | $212,040,000 | 29.6% | 1.3% |
| First Colony Mortgage Corporation | $50,345,000 | $201,015,000 | 299.3% | 1.2% |
| ZB, N.A. | $130,815,000 | $196,255,000 | 50.0% | 1.2% |
| Castle & Cooke Mortgage LLC | $120,975,000 | $194,040,000 | 60.4% | 1.2% |
| loanDepot LLC | $98,870,000 | $193,310,000 | 95.5% | 1.2% |
| Home Point Financial Corporation | $35,675,000 | $191,235,000 | 436.0% | 1.2% |
| My Move Mortgage LLC dba Momentum Loans | $93,530,000 | $185,980,000 | 98.8% | 1.1% |
| SecurityNational Mortgage Company | $88,020,000 | $185,510,000 | 110.8% | 1.1% |
| Guild Mortgage Company | $97,105,000 | $178,515,000 | 83.8% | 1.1% |
| Flagstar Bank | $78,310,000 | $178,250,000 | 127.6% | 1.1% |
| RANLife, Inc. | $98,335,000 | $174,000,000 | 76.9% | 1.1% |
| SWBC Mortgage Corporation | $80,935,000 | $167,610,000 | 107.1% | 1.0% |
| Cardinal Financial Company LP | $32,010,000 | $166,285,000 | 419.5% | 1.0% |
| Bank of Utah | $135,480,000 | $163,005,000 | 20.3% | 1.0% |
| PENNYMAC LOAN SERVICES LLC | $94,885,000 | $136,015,000 | 43.3% | 0.8% |
| DIRECT MORTGAGE CORP | $68,155,000 | $131,725,000 | 93.3% | 0.8% |
| Nationstar Mortgage | $77,140,000 | $128,790,000 | 67.0% | 0.8% |
| New American Funding (dba for Broker Solutions Inc) | $51,500,000 | $118,145,000 | 129.4% | 0.7% |
| Berkadia Commercial Mortgage | $11,405,000 | $118,075,000 | 935.3% | 0.7% |
| VanDyk Mortgage Corporation | $34,740,000 | $117,015,000 | 236.8% | 0.7% |
| US BANK, N.A. | $94,730,000 | $115,280,000 | 21.7% | 0.7% |
| Veritas Funding LLC | $81,985,000 | $114,745,000 | 40.0% | 0.7% |
| KeyBank National Association | $136,630,000 | $103,365,000 | -24.3% | 0.6% |
| Graystone Mortgage LLC | $68,010,000 | $102,165,000 | 50.2% | 0.6% |
| Greystone Servicing Corporation, Inc. | $84,705,000 | n/a | 0.5% | |
| Stearns Lending | $68,970,000 | $82,785,000 | 20.0% | 0.5% |
| Guaranteed Rate Inc. | $44,240,000 | $81,370,000 | 83.9% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $45,990,000 | $80,340,000 | 74.7% | 0.5% |
| Utah Mortgage Loan Corporation | $46,750,000 | $79,510,000 | 70.1% | 0.5% |
| JPMorgan Chase Bank, NA | $79,195,000 | $78,915,000 | -0.4% | 0.5% |
| The Federal Savings Bank | $46,700,000 | $78,280,000 | 67.6% | 0.5% |
| Mortgage Research Center LLC | $43,500,000 | $75,315,000 | 73.1% | 0.5% |
| Cache Valley Bank | $34,625,000 | $70,505,000 | 103.6% | 0.4% |
| Amerisave Mortgage Corporation | $19,325,000 | $69,760,000 | 261.0% | 0.4% |
| Village Capital & Investment | $7,525,000 | $68,950,000 | 816.3% | 0.4% |
| PRIMELENDING | $43,485,000 | $67,925,000 | 56.2% | 0.4% |
| American Financial Network Inc. | $63,160,000 | $67,485,000 | 6.8% | 0.4% |
| AmWest Funding Corp. | $19,640,000 | $66,925,000 | 240.8% | 0.4% |
| Security Home Mortgage | $21,610,000 | $66,300,000 | 206.8% | 0.4% |
| LoanPal | $14,820,000 | $60,950,000 | 311.3% | 0.4% |
| University First Federal Credit Union | $28,375,000 | $55,500,000 | 95.6% | 0.3% |
| NETWORK FUNDING, L.P. | $23,125,000 | $51,700,000 | 123.6% | 0.3% |
| EverLEND Mortgage Company | $18,065,000 | $51,425,000 | 184.7% | 0.3% |
| Lakeview Loan Servicing, LLC | $16,040,000 | $50,450,000 | 214.5% | 0.3% |
| CITY 1ST MORTGAGE SERVICES, LC | $18,120,000 | $49,995,000 | 175.9% | 0.3% |
| American Financing Corporation | $24,400,000 | $43,690,000 | 79.1% | 0.3% |
| USAA FEDERAL SAVINGS BANK | $58,200,000 | $43,245,000 | -25.7% | 0.3% |
| Glacier Bank | $17,485,000 | $41,620,000 | 138.0% | 0.3% |
| Cason Home Loans | $19,140,000 | $40,145,000 | 109.7% | 0.2% |
| NEWREZ LLC | $17,700,000 | $39,895,000 | 125.4% | 0.2% |
| Finance of America Mortgage LLC | $20,620,000 | $39,610,000 | 92.1% | 0.2% |
| Sun West Mortgage Company Inc. | $11,940,000 | $38,450,000 | 222.0% | 0.2% |
| DHI Mortgage Company Limited | $14,935,000 | $38,430,000 | 157.3% | 0.2% |
| Northpointe Bank | $24,735,000 | $38,320,000 | 54.9% | 0.2% |
| Cherry Creek Mortgage Co. Inc. | $17,980,000 | $36,145,000 | 101.0% | 0.2% |
| Cyprus Credit Union | $11,350,000 | $35,090,000 | 209.2% | 0.2% |
| Weber State Credit Union | $25,355,000 | $34,905,000 | 37.7% | 0.2% |
| Deseret First Credit Union | $24,120,000 | $34,650,000 | 43.7% | 0.2% |
| FIRST REPUBLIC BANK | $34,210,000 | n/a | 0.2% | |
| RED MORTGAGE CAPITAL, LLC | $33,645,000 | n/a | 0.2% | |
| NBKC Bank | $22,725,000 | $33,285,000 | 46.5% | 0.2% |
| CalCon Mutual Mortgage LLC | $53,660,000 | $33,205,000 | -38.1% | 0.2% |
| Keller Mortgage LLC | $12,000,000 | $33,055,000 | 175.5% | 0.2% |
| Synergy One Lending | $48,470,000 | $32,905,000 | -32.1% | 0.2% |
| First Guaranty Mortgage Corporation | $3,565,000 | $32,270,000 | 805.2% | 0.2% |
| NBH Bank | $17,530,000 | $31,665,000 | 80.6% | 0.2% |
| GATEWAY MORTGAGE GROUP | $5,465,000 | $31,405,000 | 474.7% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $29,340,000 | $31,280,000 | 6.6% | 0.2% |
| HomeBridge Financial Services, Inc. | $4,410,000 | $29,720,000 | 573.9% | 0.2% |
| CBNA | $38,610,000 | $29,675,000 | -23.1% | 0.2% |
| Eagle Home Mortgage, LLC | $13,980,000 | $29,525,000 | 111.2% | 0.2% |
| PEOPLE'S INTERMOUNTAIN BANK | $19,450,000 | $28,735,000 | 47.7% | 0.2% |
| Arbor Realty Trust Inc | $3,005,000 | $28,680,000 | 854.4% | 0.2% |
| D. L. Evans Bank | $4,620,000 | $27,810,000 | 501.9% | 0.2% |
| Supreme Lending/ Everett Financial Inc. | $7,670,000 | $27,780,000 | 262.2% | 0.2% |
| Parkside Lending LLC | $12,670,000 | $26,250,000 | 107.2% | 0.2% |
| Peoples Mortgage Company | $13,715,000 | $25,725,000 | 87.6% | 0.2% |
| Wasatch Peaks Federal Credit Union | $23,635,000 | $25,575,000 | 8.2% | 0.2% |
| CARRINGTON MORTGAGE SERVICES | $18,005,000 | $25,500,000 | 41.6% | 0.2% |
| Better Mortgage Corporation | $25,145,000 | n/a | 0.2% | |
| WALKER & DUNLOP, LLC | $18,960,000 | $23,910,000 | 26.1% | 0.1% |
| North American Savings Bank | $10,535,000 | $23,690,000 | 124.9% | 0.1% |
| Low VA Rates | $5,955,000 | $23,625,000 | 296.7% | 0.1% |
| Washington Federal | $19,505,000 | $22,465,000 | 15.2% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $31,155,000 | $22,035,000 | -29.3% | 0.1% |
| FirstBank | $8,940,000 | $21,875,000 | 144.7% | 0.1% |
| United Security Financial | $4,755,000 | $20,725,000 | 335.9% | 0.1% |
| Fortis Private Bank | $12,040,000 | $20,555,000 | 70.7% | 0.1% |
| Utah Community Credit Union | $6,925,000 | $20,205,000 | 191.8% | 0.1% |
| Ethos Lending LLC | $3,860,000 | $19,340,000 | 401.0% | 0.1% |
| Security Service Federal Credit Union | $9,015,000 | $17,790,000 | 97.3% | 0.1% |
| HomeAmerican Mortgage Corp. | $19,725,000 | $17,620,000 | -10.7% | 0.1% |
| Guaranteed Rate Affinity LLC | $7,385,000 | $16,760,000 | 126.9% | 0.1% |
| Axia Financial LLC | $4,195,000 | $16,460,000 | 292.4% | 0.1% |
| CBRE Multifamily Capital, Inc. | $6,925,000 | $16,325,000 | 135.7% | 0.1% |
| Premia Mortgage, LLC | $820,000 | $16,025,000 | 1,854.3% | 0.1% |
| CMG Mortgage Inc. | $12,920,000 | $16,010,000 | 23.9% | 0.1% |
| Inspire Home Loans | $6,420,000 | $15,630,000 | 143.5% | 0.1% |
| First Community Mortgage Inc. | $15,500,000 | n/a | 0.1% | |
| Bank of America NA | $26,800,000 | $15,205,000 | -43.3% | 0.1% |
| Mid America Mortgage Inc. | $7,855,000 | $15,140,000 | 92.7% | 0.1% |
| Alterra Group LLC dba Alterra Home Loans | $2,820,000 | $14,955,000 | 430.3% | 0.1% |
| Utah First Credit Union | $15,560,000 | $14,835,000 | -4.7% | 0.1% |
| Magnolia Bank Incorporated | $6,765,000 | $14,185,000 | 109.7% | 0.1% |
| Barrington Bank & Trust | $5,155,000 | $13,295,000 | 157.9% | 0.1% |
| LeaderOne Financial Corp. | $5,370,000 | $12,570,000 | 134.1% | 0.1% |
| Wyndham Capital Mortgage | $2,595,000 | $11,695,000 | 350.7% | 0.1% |
| Granite Federal Credit Union | $3,105,000 | $11,020,000 | 254.9% | 0.1% |
| Reverse Mortgage Funding LLC | $2,565,000 | $10,950,000 | 326.9% | 0.1% |
| PHH MORTGAGE CORPORATION | $1,860,000 | $10,410,000 | 459.7% | 0.1% |
| BNC NATIONAL BANK | $6,650,000 | $10,150,000 | 52.6% | 0.1% |
| Plaza Home Mortgage Inc. | $3,565,000 | $9,965,000 | 179.5% | 0.1% |
| Finance of America Reverse LLC | $3,205,000 | $9,940,000 | 210.1% | 0.1% |
| Crescent Mortgage Company | $4,660,000 | $9,880,000 | 112.0% | 0.1% |
| AAG | $6,125,000 | $9,840,000 | 60.7% | 0.1% |
| Lenox Financial Mortgage Corp. | $2,285,000 | $9,195,000 | 302.4% | 0.1% |
| Bay Equity LLC | $1,760,000 | $9,070,000 | 415.3% | 0.1% |
| AimLoan.com | $3,990,000 | $8,945,000 | 124.2% | 0.1% |
| BANK OF THE WEST | $4,310,000 | $7,925,000 | 83.9% | 0.0% |
| Civic Financial Services | $135,000 | $7,770,000 | 5,655.6% | 0.0% |
| Nations Lending Corporation | $5,220,000 | $7,720,000 | 47.9% | 0.0% |
| Paramount Residential Mortgage Group Inc. | $6,655,000 | $7,710,000 | 15.9% | 0.0% |
| AKT American Capital Inc | $7,400,000 | n/a | 0.0% | |
| Morgan Stanley Private Bank NA | $1,320,000 | $7,300,000 | 453.0% | 0.0% |
| First Home Bank | $1,165,000 | $7,135,000 | 512.4% | 0.0% |
| Rock Canyon Bank | $1,360,000 | $6,975,000 | 412.9% | 0.0% |
| Angel Oak Mortgage Solutions | $1,990,000 | $6,795,000 | 241.5% | 0.0% |
| Triumph Bank | $2,975,000 | $6,660,000 | 123.9% | 0.0% |
| M&T REALTY CAPITAL CORPORATION | $6,605,000 | n/a | 0.0% | |
| Nexera Holding LLC | $5,355,000 | $6,560,000 | 22.5% | 0.0% |
| Bank of England | $6,175,000 | $6,485,000 | 5.0% | 0.0% |
| Pentagon Federal Credit Union | $2,125,000 | $6,405,000 | 201.4% | 0.0% |
| American Financial Resources Inc. | $2,710,000 | $6,165,000 | 127.5% | 0.0% |
| Land Home Financial Services Inc. | $2,360,000 | $6,130,000 | 159.7% | 0.0% |
| Guaranty Trust Company | $1,690,000 | $6,115,000 | 261.8% | 0.0% |
| Belem Servicing, LLC dba Patriot Home Mortgage | $5,415,000 | $6,030,000 | 11.4% | 0.0% |
| NorthMarq Capital Finance, L.L.C. | $5,725,000 | n/a | 0.0% | |
| KS StateBank | $6,755,000 | $5,650,000 | -16.4% | 0.0% |
| TCF National Bank | $8,525,000 | $5,645,000 | -33.8% | 0.0% |
| Longbridge Financial, LLC | $320,000 | $5,610,000 | 1,653.1% | 0.0% |
| Chevron Federal Credit Union | $1,210,000 | $5,590,000 | 362.0% | 0.0% |
| SoFi Lending Corp | $4,265,000 | $5,240,000 | 22.9% | 0.0% |
| Mountain West Financial Inc. | $320,000 | $5,020,000 | 1,468.8% | 0.0% |
| Plains Commerce Bank | $5,015,000 | n/a | 0.0% | |
| Utah Power Credit Union | $6,325,000 | $4,985,000 | -21.2% | 0.0% |
| Amerifirst Financial Inc. | $315,000 | $4,625,000 | 1,368.3% | 0.0% |
| Watermark Home Loans | $4,055,000 | $4,370,000 | 7.8% | 0.0% |
| Branch Banking And Trust Co | $4,525,000 | $4,325,000 | -4.4% | 0.0% |
| Horizon Credit Union | $4,795,000 | $4,290,000 | -10.5% | 0.0% |
| First Savings Bank | $5,335,000 | $4,200,000 | -21.3% | 0.0% |
| Sun American Mortgage Company | $610,000 | $4,160,000 | 582.0% | 0.0% |
| TIAA, FSB | $6,945,000 | $3,985,000 | -42.6% | 0.0% |
| Directors Mortgage, Inc. | $345,000 | $3,975,000 | 1,052.2% | 0.0% |
| Transwest Credit Union | $1,190,000 | $3,965,000 | 233.2% | 0.0% |
| PNC BANK NA | $2,365,000 | $3,895,000 | 64.7% | 0.0% |
| First Internet Bank | $3,050,000 | $3,840,000 | 25.9% | 0.0% |
| First Choice Loan Services Inc. | $5,170,000 | $3,750,000 | -27.5% | 0.0% |
| SourceOne Financial, Inc. | $3,685,000 | $3,710,000 | 0.7% | 0.0% |
| James B. Nutter & Company | $3,105,000 | $3,640,000 | 17.2% | 0.0% |
| Embrace Home Loans, Inc. | $2,615,000 | $3,600,000 | 37.7% | 0.0% |
| Evolve Bank & Trust | $630,000 | $3,595,000 | 470.6% | 0.0% |
| Baxter Credit Union | $1,545,000 | $3,455,000 | 123.6% | 0.0% |
| Oceanside Mortgage Company | $1,405,000 | $3,440,000 | 144.8% | 0.0% |
| Delta Community Credit Union | $1,680,000 | $3,415,000 | 103.3% | 0.0% |
| Nations Direct Mortgage LLC | $225,000 | $3,345,000 | 1,386.7% | 0.0% |
| Goldwater Bank National Association | $2,910,000 | $3,265,000 | 12.2% | 0.0% |
| ARVEST BANK | $2,990,000 | $3,190,000 | 6.7% | 0.0% |
| Beckham Funding Corp | $3,170,000 | n/a | 0.0% | |
| Citibank, N.A. | $470,000 | $3,120,000 | 563.8% | 0.0% |
| Sovereign Lending Group, Inc | $1,970,000 | $3,055,000 | 55.1% | 0.0% |
| Cf Bank National Association | $1,980,000 | $2,935,000 | 48.2% | 0.0% |
| Axos Bank | $1,510,000 | $2,930,000 | 94.0% | 0.0% |
| Northrop Grumman Federal Credit Union | $810,000 | $2,790,000 | 244.4% | 0.0% |
| Hercules First Federal Credit Union | $695,000 | $2,730,000 | 292.8% | 0.0% |
| Sierra Pacific Mortgage | $875,000 | $2,545,000 | 190.9% | 0.0% |
| COMERICA BANK | $1,405,000 | $2,505,000 | 78.3% | 0.0% |
| Sirva Mortgage Inc. | $1,310,000 | $2,475,000 | 88.9% | 0.0% |
| Alliant Credit Union | $970,000 | $2,220,000 | 128.9% | 0.0% |
| Texana Bank, N.A. | $225,000 | $2,210,000 | 882.2% | 0.0% |
| Citadel Servicing Corporation | $8,615,000 | $2,115,000 | -75.4% | 0.0% |
| Discover Bank | $1,875,000 | $2,020,000 | 7.7% | 0.0% |
| Triad Financial Services Inc | $1,845,000 | $2,010,000 | 8.9% | 0.0% |
| OCMBC Inc. | $1,210,000 | $1,965,000 | 62.4% | 0.0% |
| Mortgage Solutions of Colorado LLC | $335,000 | $1,935,000 | 477.6% | 0.0% |
| 21ST MORTGAGE | $1,115,000 | $1,895,000 | 70.0% | 0.0% |
| UBS Bank USA | $1,890,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $1,855,000 | n/a | 0.0% | |
| Meridian Bank | $1,305,000 | $1,850,000 | 41.8% | 0.0% |
| Commerce Home Mortgage Inc. | $2,700,000 | $1,840,000 | -31.9% | 0.0% |
| Waterstone Mortgage Corp | $950,000 | $1,805,000 | 90.0% | 0.0% |
| First Federal Bank of Kansas City | $1,540,000 | $1,800,000 | 16.9% | 0.0% |
| GMFS LLC | $1,745,000 | n/a | 0.0% | |
| Ark-La-Tex Financial Services LLC | $1,730,000 | n/a | 0.0% | |
| Oaktree Funding Corporation | $905,000 | $1,725,000 | 90.6% | 0.0% |
| Semper Home Loans, Inc | $305,000 | $1,725,000 | 465.6% | 0.0% |
| AUSTIN CAPITAL BANK SSB | $1,795,000 | $1,710,000 | -4.7% | 0.0% |
| WEI Mortgage LLC | $1,050,000 | $1,670,000 | 59.0% | 0.0% |
| Liberty Home Equity Solutions, Inc. | $8,595,000 | $1,655,000 | -80.7% | 0.0% |
| Central Bank | $155,000 | $1,650,000 | 964.5% | 0.0% |
| Sunflower Bank, N.A. | $2,170,000 | $1,645,000 | -24.2% | 0.0% |
| BOKF NA | $6,745,000 | $1,640,000 | -75.7% | 0.0% |
| Bench Equity, LLC | $1,385,000 | $1,630,000 | 17.7% | 0.0% |
| Florida Capital Bank National Association | $2,490,000 | $1,620,000 | -34.9% | 0.0% |
| Banner Bank | $2,150,000 | $1,585,000 | -26.3% | 0.0% |
| Equity Prime Mortgage LLC | $95,000 | $1,515,000 | 1,494.7% | 0.0% |
| American United FCU | $960,000 | $1,505,000 | 56.8% | 0.0% |
| Hometown Equity Mortgage LLC | $725,000 | $1,460,000 | 101.4% | 0.0% |
| City National Bank | $1,385,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $1,410,000 | $1,385,000 | -1.8% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $715,000 | $1,380,000 | 93.0% | 0.0% |
| Mid-Continent Funding, Inc. | $1,150,000 | $1,380,000 | 20.0% | 0.0% |
| M&T Bank | $7,955,000 | $1,370,000 | -82.8% | 0.0% |
| Essex Mortgage | $635,000 | $1,305,000 | 105.5% | 0.0% |
| Fifth Third Bank | $2,255,000 | $1,305,000 | -42.1% | 0.0% |
| On Q Financial Inc. | $405,000 | $1,305,000 | 222.2% | 0.0% |
| V.I.P. Mortgage Inc. | $935,000 | $1,175,000 | 25.7% | 0.0% |
| Charles Schwab Bank | $1,150,000 | $1,160,000 | 0.9% | 0.0% |
| MEMBERS FIRST CREDIT UNION | $1,700,000 | $1,135,000 | -33.2% | 0.0% |
| Beehive Federal Credit Union | $615,000 | $1,130,000 | 83.7% | 0.0% |
| Huntington National Bank | $1,130,000 | n/a | 0.0% | |
| Bay Valley Mortgage Group DBA Pacific Bay Lending Group | $1,070,000 | $1,120,000 | 4.7% | 0.0% |
| Wings Financial Credit Union | $475,000 | $1,070,000 | 125.3% | 0.0% |
| Northwest Farm Credit Services, FLCA | $955,000 | $1,055,000 | 10.5% | 0.0% |
| Homeside Financial LLC | $1,040,000 | n/a | 0.0% | |
| CoreVest American Finance Lender LLC | $1,380,000 | $1,025,000 | -25.7% | 0.0% |
| Toyota Financial Savings Bank | $905,000 | $1,015,000 | 12.2% | 0.0% |
| Redwood Trust Inc | $1,090,000 | $995,000 | -8.7% | 0.0% |
| Geneva Financial LLC | $1,260,000 | $975,000 | -22.6% | 0.0% |
| Homestead Funding Corp. | $965,000 | n/a | 0.0% | |
| Idaho State University FCU | $960,000 | n/a | 0.0% | |
| Jordan Credit Union | $610,000 | $950,000 | 55.7% | 0.0% |
| Luxury Mortgage Corp. | $935,000 | n/a | 0.0% | |
| Advantage Plus FCU | $245,000 | $905,000 | 269.4% | 0.0% |
| Direct Lenders, LLC. | $445,000 | $900,000 | 102.2% | 0.0% |
| Open Mortgage LLC | $1,410,000 | $895,000 | -36.5% | 0.0% |
| Great Southern Bank | $880,000 | n/a | 0.0% | |
| FIRST NATIONAL BANK OF AMERICA | $2,520,000 | $870,000 | -65.5% | 0.0% |
| Megastar Financial Corporation | $1,315,000 | $870,000 | -33.8% | 0.0% |
| Stock Yards Bank and Trust Co | $865,000 | n/a | 0.0% | |
| Connexus Credit Union | $835,000 | n/a | 0.0% | |
| Paramount Bank | $435,000 | $835,000 | 92.0% | 0.0% |
| First Technology Credit Union | $535,000 | $815,000 | 52.3% | 0.0% |
| First Bank | $345,000 | $800,000 | 131.9% | 0.0% |
| Amcap Mortgage Ltd. | $8,310,000 | $795,000 | -90.4% | 0.0% |
| Umpqua Bank | $440,000 | $795,000 | 80.7% | 0.0% |
| Farmers Bank & Trust | $770,000 | n/a | 0.0% | |
| FIRST INTERSTATE BANK | $355,000 | $730,000 | 105.6% | 0.0% |
| CAPITAL BANK, NA | $1,055,000 | $710,000 | -32.7% | 0.0% |
| A&D Mortgage LLC | $685,000 | n/a | 0.0% | |
| First Western Trust Bank | $685,000 | n/a | 0.0% | |
| Prosperity Home Mortgage LLC | $680,000 | n/a | 0.0% | |
| Athas Capital Group | $1,440,000 | $675,000 | -53.1% | 0.0% |
| First Option Mortgage LLC | $665,000 | $655,000 | -1.5% | 0.0% |
| 5th Street Capital, Inc. | $1,305,000 | $640,000 | -51.0% | 0.0% |
| Four Points Federal Credit Union | $640,000 | n/a | 0.0% | |
| Impac Mortgage Corp. dba CashCall Mortgage | $1,650,000 | $620,000 | -62.4% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC | $930,000 | $605,000 | -34.9% | 0.0% |
| Michigan Mutual, Inc. DBA MiMutual Mortgage | $860,000 | $600,000 | -30.2% | 0.0% |
| Quorum Federal Credit Union | $1,010,000 | $600,000 | -40.6% | 0.0% |
| Mann Mortgage LLC | $600,000 | $570,000 | -5.0% | 0.0% |
| UMB BANK NA | $895,000 | $570,000 | -36.3% | 0.0% |
| Blue Ridge Bank, NA | $235,000 | $545,000 | 131.9% | 0.0% |
| Idaho Central Credit Union | $650,000 | $530,000 | -18.5% | 0.0% |
| JMJ Financial Group Inc. | $530,000 | n/a | 0.0% | |
| The Union Bank Company | $520,000 | n/a | 0.0% | |
| Bank of Whittier, Na | $505,000 | n/a | 0.0% | |
| RMS & Associates | $420,000 | $505,000 | 20.2% | 0.0% |
| NOVA Financial & Investment Corporation dba: Nova Home Loans | $265,000 | $495,000 | 86.8% | 0.0% |
| Summit Funding Inc. | $445,000 | $455,000 | 2.2% | 0.0% |
| Los Angeles Police Federal Credit Union | $445,000 | n/a | 0.0% | |
| Prime Mortgage Lending Inc. | $2,135,000 | $435,000 | -79.6% | 0.0% |
| First Federal Savings Bank of Twin Falls | $425,000 | n/a | 0.0% | |
| Fidelity Bank | $365,000 | $420,000 | 15.1% | 0.0% |
| NFM, Inc. | $415,000 | n/a | 0.0% | |
| Columbia State Bank | $410,000 | n/a | 0.0% | |
| Credit Union Mortgage Association Inc. | $395,000 | n/a | 0.0% | |
| FIRST FEDERAL SAVINGS BANK OF MASCOUTAH | $395,000 | n/a | 0.0% | |
| LendSure Mortgage Corp | $385,000 | n/a | 0.0% | |
| Allied First BankSB | $375,000 | n/a | 0.0% | |
| Reliant Bank | $375,000 | n/a | 0.0% | |
| American State Bank | $365,000 | n/a | 0.0% | |
| CIT BANK N.A. | $2,055,000 | $365,000 | -82.2% | 0.0% |
| Midwest Loan Services Inc | $355,000 | n/a | 0.0% | |
| UNIFY Financial Credit Union | $305,000 | $350,000 | 14.8% | 0.0% |
| Academy Bank NA | $345,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $345,000 | n/a | 0.0% | |
| NuVision Federal Credit Union | $345,000 | n/a | 0.0% | |
| Amalgamated Bank | $1,610,000 | $335,000 | -79.2% | 0.0% |
| American Neighborhood Mortgage dba AnnieMac Home Mortgage | $205,000 | $335,000 | 63.4% | 0.0% |
| Armed Forces Bank | $335,000 | $335,000 | 0.0% | 0.0% |
| First State Bank Of St. Charles Missouri | $330,000 | n/a | 0.0% | |
| American National Bank | $325,000 | n/a | 0.0% | |
| Chartway Federal Credit Unon | $1,595,000 | $325,000 | -79.6% | 0.0% |
| Idaho First Bank | $325,000 | n/a | 0.0% | |
| Bank Of Springfield | $315,000 | n/a | 0.0% | |
| KINECTA FEDERAL CREDIT UNION | $315,000 | n/a | 0.0% | |
| BM REAL ESTATE SERVICES, INC. | $630,000 | $295,000 | -53.2% | 0.0% |
| Georgia Banking Company | $295,000 | $295,000 | 0.0% | 0.0% |
| Lending 3 Inc | $295,000 | n/a | 0.0% | |
| Texas Bank Financial | $295,000 | n/a | 0.0% | |
| Eagle Bank and Trust Company | $485,000 | $285,000 | -41.2% | 0.0% |
| One Reverse Mortgage, LLC | $1,320,000 | $285,000 | -78.4% | 0.0% |
| State Bank of Southern Utah | $285,000 | n/a | 0.0% | |
| REGIONS BANK | $275,000 | n/a | 0.0% | |
| Silicon Valley Bank | $1,085,000 | $275,000 | -74.7% | 0.0% |
| Thrive Mortgage LLC | $235,000 | $275,000 | 17.0% | 0.0% |
| HomeStreet Bank | $695,000 | $265,000 | -61.9% | 0.0% |
| American Residential Lending | $255,000 | n/a | 0.0% | |
| Black Hills Federal Credit Union | $255,000 | n/a | 0.0% | |
| Presidential Bank FSB | $255,000 | n/a | 0.0% | |
| Crestline Funding Corporation | $245,000 | n/a | 0.0% | |
| JMAC Lending Incorporated | $1,570,000 | $245,000 | -84.4% | 0.0% |
| Mortgage Management Consultants, Inc. | $245,000 | n/a | 0.0% | |
| Congressional Bank | $165,000 | $225,000 | 36.4% | 0.0% |
| Core Bank | $405,000 | $225,000 | -44.4% | 0.0% |
| Independent Bank | $225,000 | n/a | 0.0% | |
| IBM Southeast Employees Federal Credit Union | $215,000 | n/a | 0.0% | |
| 1st Constitution Bank | $205,000 | $205,000 | 0.0% | 0.0% |
| Bank of Idaho | $835,000 | $205,000 | -75.4% | 0.0% |
| Farmers Insurance Group Federal Credit Union | $205,000 | n/a | 0.0% | |
| Operating Engineers Federal Credit Union | $195,000 | n/a | 0.0% | |
| RENASANT BANK | $885,000 | $195,000 | -78.0% | 0.0% |
| Silver Hill Funding, LLC | $405,000 | $185,000 | -54.3% | 0.0% |
| Peoples Bank | $165,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $125,000 | n/a | 0.0% | |
| IBERIABANK | $105,000 | n/a | 0.0% | |
| Credit Human Federal Credit Union | $350,000 | $60,000 | -82.9% | 0.0% |
OGDEN - CLEARFIELD's top lender by overall market share is United Shore Financial Services LLC, with 9.1% market share. In second place, with 6.3%, is Academy Mortgage Corporation, having originated $1,025,770,000 in loans. In third place, with 5.9%, is Quicken Loans, having originated $973,565,000 in loans. In third place, with 5.2%, is America First Federal Credit Union, having originated $850,980,000 in loans. In third place, with 4.9%, is Intercap Lending Inc, having originated $800,590,000 in loans.
OGDEN-CLEARFIELD, UT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 28,575 | $7,793,245,000 | $272,729 |
| Home Purchase | 15,649 | $4,748,705,000 | $303,451 |
| Cash Out Refi | 12,813 | $3,287,295,000 | $256,559 |
| Home Improvement | 3,106 | $312,220,000 | $100,522 |
| Other | 2,193 | $232,735,000 | $106,126 |
Ogden - Clearfield's most frequently cited loan purpose was Refi, with 28,575 originations. The 2nd most popular reason was Home Purchase, with 15,649 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 25,288 | $6,906,730,000 | $273,123 |
| 2.5-3% | 22,647 | $6,572,685,000 | $290,223 |
| <2.5% | 7,471 | $1,903,705,000 | $254,813 |
| 4-5% | 3,945 | $643,985,000 | $163,241 |
| 5-6% | 1,651 | $143,695,000 | $87,035 |
| 6-7% | 541 | $30,945,000 | $57,200 |
| Over 8% | 473 | $31,735,000 | $67,093 |
| 7-8% | 245 | $11,385,000 | $46,469 |
During 2020, Ogden - Clearfield's most frequently originated rate bucket was 3-4%, with 25,288 originations.
Loan Sizing (OGDEN-CLEARFIELD, UT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 34,777 | $9,889,965,000 | $284,382 |
| $100k-200k | 12,832 | $2,025,840,000 | $157,874 |
| $100,000 or less | 7,326 | $335,280,000 | $45,766 |
| $400k-600k | 6,487 | $2,999,605,000 | $462,402 |
| $600k-1000k | 770 | $528,120,000 | $685,870 |
| $Over $1MM | 144 | $595,390,000 | $4,134,653 |
OGDEN - CLEARFIELD's loan sizing saw the bucket of loans from $200k-400k with 34,777 originations, totaling $9,889,965,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 21,282 | $6,461,050,000 | $303,592 |
| 80-100% | 17,625 | $5,699,025,000 | $323,349 |
| 40-60% | 10,758 | $2,528,800,000 | $235,062 |
| Under 20% | 5,729 | $236,805,000 | $41,334 |
| 20-40% | 4,342 | $605,630,000 | $139,482 |
| Over 100% | 672 | $264,480,000 | $393,571 |
OGDEN - CLEARFIELD's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 21,282 originations, totaling $6,461,050,000 in origination value.