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
5.44%
for the week of 2022-05-19, compared to the national average of
5.25% for the same period.
The average rate for the prior week (2022-05-12) was
5.49% and
one month ago for the week of 2022-04-14, the
average rate was 4.99%.
Ogden - Clearfield's average rate one year ago was 3.25%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.16%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Ogden - Clearfield 30 Year Fixed Rate | 2022-05-19 | 5.44% |
| Ogden - Clearfield 30 Year Fixed Rate Refi | 2022-05-19 | 5.16% |
| Ogden - Clearfield 15 Year Fixed Rate | 2022-05-19 | 4.81% |
| Ogden - Clearfield 15 Year Fixed Rate Refi | 2022-05-19 | 4.45% |
| Ogden - Clearfield 30 Year FHA | 2022-05-19 | 5.12% |
| Ogden - Clearfield 30 Year FHA Refi | 2022-05-19 | 5.33% |
| Ogden - Clearfield 30 Year USDA | 2022-05-19 | 5.4% |
| Ogden - Clearfield 30 Year USDA Refi | 2022-05-19 | 5.59% |
| Ogden - Clearfield 30 Year VA | 2022-05-19 | 5.45% |
| Ogden - Clearfield 30 Year VA Refi | 2022-05-19 | 4.77% |
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 281 lenders originated 55,779
loans during 2021. The total origination value was $15,576,195,000, with an average loan value of
$279,248.
The top OGDEN - CLEARFIELD lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
3,348 loans originated. Their average total fees are
$4,224, which is $550
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee OGDEN - CLEARFIELD lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($226), PREMIA MORTGAGE, LLC ($908), CHERRY CREEK MORTGAGE, LLC ($938), BLUE BRICK FINANCIAL LLC ($1,404) and Wyndham Capital Mortgage, Inc. ($1,437).
The lowest rate OGDEN - CLEARFIELD lenders (with over 10 loans originated) are
Utah Power (2.64%), AMERICAN INTERNET MORTGAGE, INC. (2.77%), PROVIDENT FUNDING ASSOCIATES, L.P. (2.79%), BETTER MORTGAGE CORPORATION (2.81%) and DHI MORTGAGE COMPANY, LTD. (2.82%).
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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $1,497,440,000 | $1,647,540,000 | 10.0% | 10.6% |
| AMERICA FIRST | $850,980,000 | $970,750,000 | 14.1% | 6.2% |
| QUICKEN LOANS, LLC | $973,565,000 | $970,405,000 | -0.3% | 6.2% |
| ACADEMY MORTGAGE CORPORATION | $1,025,770,000 | $865,575,000 | -15.6% | 5.6% |
| INTERCAP LENDING INC. | $800,590,000 | $699,335,000 | -12.6% | 4.5% |
| GOLDENWEST | $675,365,000 | $600,690,000 | -11.1% | 3.9% |
| HOME POINT FINANCIAL CORPORATION | $191,235,000 | $490,190,000 | 156.3% | 3.1% |
| MOUNTAIN AMERICA | $381,075,000 | $380,115,000 | -0.3% | 2.4% |
| CITYWIDE HOME LOANS, LLC | $477,295,000 | $343,915,000 | -27.9% | 2.2% |
| FREEDOM MORTGAGE CORPORATION | $368,190,000 | $330,810,000 | -10.2% | 2.1% |
| CANOPY MORTGAGE, LLC | $328,100,000 | $264,375,000 | -19.4% | 1.7% |
| CALIBER HOME LOANS, INC. | $324,785,000 | $260,615,000 | -19.8% | 1.7% |
| LOANDEPOT.COM, LLC | $193,310,000 | $259,160,000 | 34.1% | 1.7% |
| FIRST COLONY MORTGAGE CORPORATION | $201,015,000 | $245,510,000 | 22.1% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $136,015,000 | $238,870,000 | 75.6% | 1.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $166,285,000 | $229,845,000 | 38.2% | 1.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $376,110,000 | $214,950,000 | -42.8% | 1.4% |
| Zions Bancorporation, N.A. | $196,255,000 | $192,660,000 | -1.8% | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $256,030,000 | $191,115,000 | -25.4% | 1.2% |
| Wells Fargo Bank | $212,040,000 | $187,240,000 | -11.7% | 1.2% |
| CASTLE & COOKE MORTGAGE, LLC | $194,040,000 | $185,920,000 | -4.2% | 1.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $223,905,000 | $175,195,000 | -21.8% | 1.1% |
| Bank of Utah | $163,005,000 | $167,220,000 | 2.6% | 1.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $185,510,000 | $167,005,000 | -10.0% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $230,390,000 | $166,575,000 | -27.7% | 1.1% |
| BROKER SOLUTIONS, INC. | $118,145,000 | $162,150,000 | 37.2% | 1.0% |
| GUILD MORTGAGE COMPANY | $178,515,000 | $157,380,000 | -11.8% | 1.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $128,790,000 | $156,360,000 | 21.4% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $122,485,000 | $150,365,000 | 22.8% | 1.0% |
| MY MOVE MORTGAGE, LLC | $185,980,000 | $141,660,000 | -23.8% | 0.9% |
| RANLIFE, INC. | $174,000,000 | $139,165,000 | -20.0% | 0.9% |
| SWBC MORTGAGE CORPORATION | $167,610,000 | $117,165,000 | -30.1% | 0.8% |
| KeyBank | $103,365,000 | $110,175,000 | 6.6% | 0.7% |
| VERITAS FUNDING, LLC | $114,745,000 | $107,880,000 | -6.0% | 0.7% |
| DIRECT MORTGAGE, CORP. | $131,725,000 | $107,330,000 | -18.5% | 0.7% |
| AMERISAVE MORTGAGE CORPORATION | $69,760,000 | $101,305,000 | 45.2% | 0.7% |
| U.S. Bank | $115,280,000 | $96,305,000 | -16.5% | 0.6% |
| VAN DYK MORTGAGE CORPORATION | $117,015,000 | $96,165,000 | -17.8% | 0.6% |
| JPMorgan Chase Bank | $78,915,000 | $92,870,000 | 17.7% | 0.6% |
| STEARNS LENDING, LLC | $82,785,000 | $87,400,000 | 5.6% | 0.6% |
| NEWREZ LLC | $39,895,000 | $86,500,000 | 116.8% | 0.6% |
| Mortgage Research Center, LLC | $75,315,000 | $84,900,000 | 12.7% | 0.5% |
| BETTER MORTGAGE CORPORATION | $25,145,000 | $76,810,000 | 205.5% | 0.5% |
| Cache Valley Bank | $70,505,000 | $76,145,000 | 8.0% | 0.5% |
| GUARANTEED RATE, INC. | $81,370,000 | $74,245,000 | -8.8% | 0.5% |
| Citibank | $3,120,000 | $73,970,000 | 2,270.8% | 0.5% |
| Flagstar Bank, FSB | $178,250,000 | $72,630,000 | -59.3% | 0.5% |
| SECURITY HOME MORTGAGE, LLC. | $66,300,000 | $70,440,000 | 6.2% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $80,340,000 | $67,355,000 | -16.2% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $50,450,000 | $62,070,000 | 23.0% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $67,925,000 | $60,610,000 | -10.8% | 0.4% |
| The Federal Savings Bank | $78,280,000 | $59,175,000 | -24.4% | 0.4% |
| Glacier Bank | $41,620,000 | $57,275,000 | 37.6% | 0.4% |
| LOANPAL, LLC | $60,950,000 | $54,060,000 | -11.3% | 0.3% |
| AMERICAN FINANCING CORPORATION | $43,690,000 | $53,280,000 | 22.0% | 0.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | $68,950,000 | $49,405,000 | -28.3% | 0.3% |
| SECURITY SERVICE | $17,790,000 | $48,050,000 | 170.1% | 0.3% |
| Utah Mortgage Loan Corporation | $79,510,000 | $47,800,000 | -39.9% | 0.3% |
| CBRE MULTIFAMILY CAPITAL, INC. | $16,325,000 | $46,830,000 | 186.9% | 0.3% |
| Network Funding, L.P. | $51,700,000 | $46,050,000 | -10.9% | 0.3% |
| University First Federal Credit Union | $55,500,000 | $44,170,000 | -20.4% | 0.3% |
| GREYSTONE SERVICING COMPANY LLC | $84,705,000 | $42,220,000 | -50.2% | 0.3% |
| AMWEST FUNDING CORP. | $66,925,000 | $40,705,000 | -39.2% | 0.3% |
| CHERRY CREEK MORTGAGE, LLC | $36,145,000 | $38,145,000 | 5.5% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $38,085,000 | n/a | 0.2% | |
| DHI MORTGAGE COMPANY, LTD. | $38,430,000 | $35,755,000 | -7.0% | 0.2% |
| Northpointe Bank | $38,320,000 | $34,875,000 | -9.0% | 0.2% |
| Deseret First Credit Union | $34,330,000 | $34,375,000 | 0.1% | 0.2% |
| EVERLEND MORTGAGE COMPANY | $51,425,000 | $34,040,000 | -33.8% | 0.2% |
| J. VIRGIL, INC. | $40,145,000 | $33,915,000 | -15.5% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $31,280,000 | $32,870,000 | 5.1% | 0.2% |
| NBH Bank | $31,665,000 | $32,015,000 | 1.1% | 0.2% |
| S1L, Inc. | $22,425,000 | $31,995,000 | 42.7% | 0.2% |
| Gateway First Bank | $31,405,000 | $31,750,000 | 1.1% | 0.2% |
| PHH Mortgage Corporation | $10,410,000 | $31,520,000 | 202.8% | 0.2% |
| Chicago Mortgage Solutions LLC | $6,950,000 | $30,635,000 | 340.8% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $38,450,000 | $30,535,000 | -20.6% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $67,485,000 | $30,355,000 | -55.0% | 0.2% |
| UTAH FIRST | $14,835,000 | $29,390,000 | 98.1% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $22,035,000 | $29,060,000 | 31.9% | 0.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | $17,620,000 | $28,655,000 | 62.6% | 0.2% |
| WEBER STATE FEDERAL CREDIT UNION | $34,905,000 | $28,475,000 | -18.4% | 0.2% |
| NBKC BANK | $33,285,000 | $28,150,000 | -15.4% | 0.2% |
| FINANCE OF AMERICA MORTGAGE LLC | $39,610,000 | $28,090,000 | -29.1% | 0.2% |
| D. L. Evans Bank | $27,810,000 | $25,280,000 | -9.1% | 0.2% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $49,995,000 | $24,260,000 | -51.5% | 0.2% |
| Bank of America | $15,205,000 | $23,965,000 | 57.6% | 0.2% |
| REVERSE MORTGAGE FUNDING LLC | $10,950,000 | $23,655,000 | 116.0% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $16,760,000 | $23,595,000 | 40.8% | 0.2% |
| Wasatch Peaks Federal Credit Union | $25,575,000 | $22,705,000 | -11.2% | 0.1% |
| Low VA Rates, LLC | $23,625,000 | $21,670,000 | -8.3% | 0.1% |
| USAA Federal Savings Bank | $43,245,000 | $21,210,000 | -51.0% | 0.1% |
| Carrington Mortgage Services, LLC | $25,500,000 | $21,140,000 | -17.1% | 0.1% |
| CELEBRITY HOME LOANS, LLC | $21,130,000 | n/a | 0.1% | |
| CYPRUS Federal Credit Union | $35,090,000 | $20,915,000 | -40.4% | 0.1% |
| North American Savings Bank, F.S.B. | $23,690,000 | $20,770,000 | -12.3% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $9,940,000 | $20,655,000 | 107.8% | 0.1% |
| INSPIRE HOME LOANS INC. | $15,630,000 | $19,780,000 | 26.6% | 0.1% |
| KELLER MORTGAGE, LLC | $33,055,000 | $19,695,000 | -40.4% | 0.1% |
| AMERICAN ADVISORS GROUP | $9,840,000 | $19,200,000 | 95.1% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $11,695,000 | $19,195,000 | 64.1% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $14,955,000 | $18,850,000 | 26.0% | 0.1% |
| Victorian Finance, LLC | $18,490,000 | n/a | 0.1% | |
| Washington Federal Bank | $22,465,000 | $17,845,000 | -20.6% | 0.1% |
| FirstBank | $21,875,000 | $17,670,000 | -19.2% | 0.1% |
| WALKER & DUNLOP, LLC | $23,910,000 | $17,285,000 | -27.7% | 0.1% |
| MORIA DEVELOPMENT, INC. | $25,725,000 | $17,140,000 | -33.4% | 0.1% |
| Grandbridge Real Estate Capital LLC | $17,100,000 | n/a | 0.1% | |
| BLUE BRICK FINANCIAL LLC | $5,680,000 | $16,850,000 | 196.7% | 0.1% |
| PREMIA MORTGAGE, LLC | $16,025,000 | $16,360,000 | 2.1% | 0.1% |
| EAGLE HOME MORTGAGE, LLC | $29,525,000 | $16,260,000 | -44.9% | 0.1% |
| UTAH COMMUNITY | $20,205,000 | $15,170,000 | -24.9% | 0.1% |
| Strong Home Mortgage, LLC | $19,660,000 | $15,070,000 | -23.3% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $9,965,000 | $14,315,000 | 43.7% | 0.1% |
| CMG MORTGAGE, INC. | $16,010,000 | $12,995,000 | -18.8% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $15,140,000 | $12,920,000 | -14.7% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $5,610,000 | $12,400,000 | 121.0% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $1,040,000 | $11,960,000 | 1,050.0% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $6,795,000 | $11,810,000 | 73.8% | 0.1% |
| READYCAP COMMERCIAL, LLC | $11,810,000 | n/a | 0.1% | |
| Fortis Private Bank | $20,555,000 | $11,800,000 | -42.6% | 0.1% |
| The Loan Store, Inc. | $19,340,000 | $11,750,000 | -39.2% | 0.1% |
| Plains Commerce Bank | $5,015,000 | $11,375,000 | 126.8% | 0.1% |
| First Guaranty Mortgage Corporation | $32,270,000 | $11,135,000 | -65.5% | 0.1% |
| Ally Bank | $2,885,000 | $10,820,000 | 275.0% | 0.1% |
| GRANITE FEDERAL CREDIT UNION | $11,020,000 | $10,690,000 | -3.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $7,710,000 | $10,390,000 | 34.8% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $8,945,000 | $10,225,000 | 14.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $29,720,000 | $9,865,000 | -66.8% | 0.1% |
| EVERETT FINANCIAL, INC. | $27,780,000 | $9,495,000 | -65.8% | 0.1% |
| Nations Lending Corporation | $7,720,000 | $9,285,000 | 20.3% | 0.1% |
| Watermark Capital, Inc. | $4,370,000 | $9,255,000 | 111.8% | 0.1% |
| Magnolia Bank | $14,185,000 | $8,845,000 | -37.6% | 0.1% |
| AXIA FINANCIAL, LLC | $16,460,000 | $8,715,000 | -47.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $6,405,000 | $8,650,000 | 35.1% | 0.1% |
| BAY EQUITY LLC | $9,070,000 | $8,460,000 | -6.7% | 0.1% |
| SUN AMERICAN MORTGAGE COMPANY | $4,160,000 | $8,245,000 | 98.2% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $3,055,000 | $8,200,000 | 168.4% | 0.1% |
| Banner Bank | $1,585,000 | $8,005,000 | 405.0% | 0.1% |
| Utah Power | $4,985,000 | $7,915,000 | 58.8% | 0.1% |
| SOFI LENDING CORP. | $5,240,000 | $7,865,000 | 50.1% | 0.1% |
| OAKTREE FUNDING CORP. | $1,725,000 | $7,730,000 | 348.1% | 0.0% |
| M&T Realty Capital Corporation | $6,605,000 | $7,535,000 | 14.1% | 0.0% |
| UNITED SECURITY FINANCIAL CORP | $20,725,000 | $7,470,000 | -64.0% | 0.0% |
| Truist Bank | $4,325,000 | $6,860,000 | 58.6% | 0.0% |
| Bank of the West | $7,925,000 | $6,845,000 | -13.6% | 0.0% |
| BNC National Bank | $10,150,000 | $6,775,000 | -33.3% | 0.0% |
| KS StateBank | $5,650,000 | $6,700,000 | 18.6% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $13,295,000 | $6,685,000 | -49.7% | 0.0% |
| PARKSIDE LENDING, LLC | $26,250,000 | $6,365,000 | -75.8% | 0.0% |
| Morgan Stanley Private Bank | $7,300,000 | $5,920,000 | -18.9% | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $32,905,000 | $5,700,000 | -82.7% | 0.0% |
| BELEM SERVICING LLC | $6,030,000 | $5,680,000 | -5.8% | 0.0% |
| First Home Bank | $7,135,000 | $5,650,000 | -20.8% | 0.0% |
| NEST HOME LENDING, LLC | $14,020,000 | $5,645,000 | -59.7% | 0.0% |
| CRESCENT MORTGAGE COMPANY | $9,880,000 | $5,555,000 | -43.8% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $12,570,000 | $5,390,000 | -57.1% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $5,120,000 | n/a | 0.0% | |
| SourceOne Financial, Inc. | $3,710,000 | $5,085,000 | 37.1% | 0.0% |
| LENDSURE MORTGAGE CORP. | $385,000 | $5,010,000 | 1,201.3% | 0.0% |
| HORIZON UTAH Federal Credit Union | $4,290,000 | $4,815,000 | 12.2% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $5,020,000 | $4,700,000 | -6.4% | 0.0% |
| Bank of England | $6,485,000 | $4,345,000 | -33.0% | 0.0% |
| Citadel Servicing Corporation | $2,115,000 | $4,150,000 | 96.2% | 0.0% |
| Rock Canyon Bank | $6,975,000 | $3,935,000 | -43.6% | 0.0% |
| Arvest Bank | $3,190,000 | $3,920,000 | 22.9% | 0.0% |
| GENEVA FINANCIAL, LLC | $975,000 | $3,805,000 | 290.3% | 0.0% |
| OCMBC, INC. | $1,965,000 | $3,705,000 | 88.5% | 0.0% |
| TIAA, FSB | $3,985,000 | $3,695,000 | -7.3% | 0.0% |
| TCF National Bank | $5,645,000 | $3,630,000 | -35.7% | 0.0% |
| Commerce Home Mortgage, Inc. | $1,840,000 | $3,440,000 | 87.0% | 0.0% |
| Equity Prime Mortgage LLC | $1,515,000 | $3,405,000 | 124.8% | 0.0% |
| TBI MORTGAGE COMPANY | $3,275,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $1,160,000 | $3,260,000 | 181.0% | 0.0% |
| DATA MORTGAGE, INC. | $1,305,000 | $3,260,000 | 149.8% | 0.0% |
| Farmers Bank & Trust | $770,000 | $3,130,000 | 306.5% | 0.0% |
| IMPAC MORTGAGE CORP. | $620,000 | $3,055,000 | 392.7% | 0.0% |
| Arbor Realty Trust, Inc. | $28,680,000 | $3,050,000 | -89.4% | 0.0% |
| Triumph Bank | $6,660,000 | $2,985,000 | -55.2% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $1,380,000 | $2,960,000 | 114.5% | 0.0% |
| Amerifirst Financial, Inc. | $4,625,000 | $2,805,000 | -39.4% | 0.0% |
| Texana Bank | $2,210,000 | $2,795,000 | 26.5% | 0.0% |
| PLANET HOME LENDING, LLC | $2,790,000 | n/a | 0.0% | |
| Florida Capital Bank | $1,620,000 | $2,770,000 | 71.0% | 0.0% |
| 21ST MORTGAGE CORPORATION | $1,895,000 | $2,755,000 | 45.4% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $33,205,000 | $2,690,000 | -91.9% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $185,000 | $2,615,000 | 1,313.5% | 0.0% |
| First Federal Bank | $6,495,000 | $2,545,000 | -60.8% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $495,000 | $2,515,000 | 408.1% | 0.0% |
| Manufacturers and Traders Trust Company | $1,370,000 | $2,485,000 | 81.4% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $9,195,000 | $2,470,000 | -73.1% | 0.0% |
| Discover Bank | $2,020,000 | $2,460,000 | 21.8% | 0.0% |
| The Central Trust Bank | $2,420,000 | n/a | 0.0% | |
| UMB Bank | $570,000 | $2,395,000 | 320.2% | 0.0% |
| Citizens Bank | $29,675,000 | $2,350,000 | -92.1% | 0.0% |
| Hometown Equity Mortgage, LLC | $1,460,000 | $2,345,000 | 60.6% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,320,000 | n/a | 0.0% | |
| Central Bank | $1,650,000 | $2,305,000 | 39.7% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $3,415,000 | $2,305,000 | -32.5% | 0.0% |
| The Huntington National Bank | $1,130,000 | $2,270,000 | 100.9% | 0.0% |
| Austin Capital Bank SSB | $1,710,000 | $2,250,000 | 31.6% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $1,025,000 | $2,225,000 | 117.1% | 0.0% |
| Fifth Third Bank | $1,305,000 | $2,210,000 | 69.3% | 0.0% |
| AMERICAN UNITED FAMILY OF CREDIT UN | $1,505,000 | $2,180,000 | 44.9% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,730,000 | $2,125,000 | 22.8% | 0.0% |
| UBS Bank USA | $1,890,000 | $2,105,000 | 11.4% | 0.0% |
| BECKAM FUNDING CORP. | $3,170,000 | $2,065,000 | -34.9% | 0.0% |
| V.I.P. MORTGAGE, INC. | $1,175,000 | $1,945,000 | 65.5% | 0.0% |
| ZILLOW HOME LOANS, LLC | $1,930,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $965,000 | $1,925,000 | 99.5% | 0.0% |
| BENCH EQUITY L.L.C. | $1,630,000 | $1,865,000 | 14.4% | 0.0% |
| SRE MORTGAGE ALLIANCE INC. | $7,400,000 | $1,865,000 | -74.8% | 0.0% |
| SIRVA MORTGAGE, INC. | $2,475,000 | $1,790,000 | -27.7% | 0.0% |
| ATHAS CAPITAL GROUP, INC. | $675,000 | $1,785,000 | 164.4% | 0.0% |
| First Internet Bank of Indiana | $3,840,000 | $1,775,000 | -53.8% | 0.0% |
| EMBRACE HOME LOANS, INC. | $3,600,000 | $1,735,000 | -51.8% | 0.0% |
| Axos Bank | $2,930,000 | $1,715,000 | -41.5% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $2,010,000 | $1,675,000 | -16.7% | 0.0% |
| NEXERA HOLDING LLC | $6,560,000 | $1,650,000 | -74.8% | 0.0% |
| Mid-Continent Funding, Inc. | $1,380,000 | $1,615,000 | 17.0% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $6,130,000 | $1,610,000 | -73.7% | 0.0% |
| First Savings Bank | $4,200,000 | $1,595,000 | -62.0% | 0.0% |
| IDAHO CENTRAL | $530,000 | $1,595,000 | 200.9% | 0.0% |
| NP, Inc. | $1,590,000 | n/a | 0.0% | |
| PNC Bank | $3,895,000 | $1,585,000 | -59.3% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $6,115,000 | $1,545,000 | -74.7% | 0.0% |
| GMFS LLC | $1,745,000 | $1,505,000 | -13.8% | 0.0% |
| OPEN MORTGAGE, LLC | $895,000 | $1,465,000 | 63.7% | 0.0% |
| Stifel Bank and Trust | $1,385,000 | $1,415,000 | 2.2% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $3,490,000 | $1,410,000 | -59.6% | 0.0% |
| Willamette Valley Bank | $1,410,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $295,000 | $1,400,000 | 374.6% | 0.0% |
| Hercules First Federal Credit Union | $2,730,000 | $1,400,000 | -48.7% | 0.0% |
| Blue Ridge Bank | $545,000 | $1,385,000 | 154.1% | 0.0% |
| GEORGIA'S OWN | $1,380,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $2,220,000 | $1,375,000 | -38.1% | 0.0% |
| FIRST TECHNOLOGY | $815,000 | $1,370,000 | 68.1% | 0.0% |
| Meridian Bank Corporation | $1,850,000 | $1,350,000 | -27.0% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $2,790,000 | $1,340,000 | -52.0% | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | $325,000 | $1,335,000 | 310.8% | 0.0% |
| HighTechLending Inc | $1,315,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $1,305,000 | n/a | 0.0% | |
| Pinnacle Bank | $1,305,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $1,290,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $6,165,000 | $1,265,000 | -79.5% | 0.0% |
| A&D Mortgage LLC | $685,000 | $1,210,000 | 76.6% | 0.0% |
| Alaska USA Federal Credit Union | $1,855,000 | $1,200,000 | -35.3% | 0.0% |
| MANN FINANCIAL INC. | $570,000 | $1,195,000 | 109.6% | 0.0% |
| Goldwater Bank, N.A. | $3,265,000 | $1,155,000 | -64.6% | 0.0% |
| Comerica Bank | $2,505,000 | $1,125,000 | -55.1% | 0.0% |
| Colonial Savings, F.A. | $1,115,000 | n/a | 0.0% | |
| Goldman Sachs Bank USA | $1,025,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $1,805,000 | $1,025,000 | -43.2% | 0.0% |
| TRANSWEST CREDIT UNION | $3,965,000 | $1,010,000 | -74.5% | 0.0% |
| AmRes Corporation | $255,000 | $1,005,000 | 294.1% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $605,000 | $980,000 | 62.0% | 0.0% |
| JMJ FINANCIAL GROUP | $530,000 | $970,000 | 83.0% | 0.0% |
| Eagle Bank and Trust Company | $285,000 | $965,000 | 238.6% | 0.0% |
| EVANSVILLE TEACHERS | $950,000 | n/a | 0.0% | |
| Origin Bank | $925,000 | n/a | 0.0% | |
| 5TH STREET CAPITAL, INC. | $640,000 | $915,000 | 43.0% | 0.0% |
| State Department Federal Credit Union | $915,000 | n/a | 0.0% | |
| WESTERN EXPRESS LENDING | $905,000 | n/a | 0.0% | |
| Southwest Airlines Federal Credit Union | $900,000 | n/a | 0.0% | |
| ALL WESTERN MORTGAGE, INC. | $850,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $255,000 | $850,000 | 233.3% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $3,440,000 | $840,000 | -75.6% | 0.0% |
| First National Bank of America | $870,000 | $790,000 | -9.2% | 0.0% |
| HomeTrust Bank | $785,000 | n/a | 0.0% | |
| Reliant Bank | $375,000 | $785,000 | 109.3% | 0.0% |
| First Republic Bank | $34,210,000 | $780,000 | -97.7% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $7,825,000 | $780,000 | -90.0% | 0.0% |
| BEEHIVE | $1,130,000 | $765,000 | -32.3% | 0.0% |
| Evolve Bank & Trust | $3,595,000 | $755,000 | -79.0% | 0.0% |
| Cf Bank | $2,935,000 | $745,000 | -74.6% | 0.0% |
| Bank of Idaho | $205,000 | $740,000 | 261.0% | 0.0% |
| United Nations Federal Credit Union | $725,000 | n/a | 0.0% | |
| CIT Bank | $365,000 | $715,000 | 95.9% | 0.0% |
| Northwest Farm Credit Services, FLCA | $1,055,000 | $690,000 | -34.6% | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $245,000 | $685,000 | 179.6% | 0.0% |
| Capital Bank | $710,000 | $650,000 | -8.5% | 0.0% |
| Deere Employees Credit Union | $650,000 | n/a | 0.0% | |
| DIRECTORS MORTGAGE, INC. | $3,975,000 | $650,000 | -83.6% | 0.0% |
| Prosperity Home Mortgage, LLC | $680,000 | $650,000 | -4.4% | 0.0% |
| First State Bank of St. Charles, Missouri | $330,000 | $645,000 | 95.5% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $635,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $615,000 | n/a | 0.0% | |
| Operating Engineers Local Union #3 | $195,000 | $595,000 | 205.1% | 0.0% |
| CHEVRON | $5,590,000 | $590,000 | -89.4% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $600,000 | $570,000 | -5.0% | 0.0% |
| First State Bank | $545,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $545,000 | n/a | 0.0% | |
| State Financial Network, LLC | $545,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $1,015,000 | $545,000 | -46.3% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $205,000 | $540,000 | 163.4% | 0.0% |
| CITIZENS EQUITY FIRST | $535,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $535,000 | n/a | 0.0% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $525,000 | n/a | 0.0% | |
| Mortgage Bank of California | $525,000 | n/a | 0.0% | |
| First Western Trust Bank | $685,000 | $520,000 | -24.1% | 0.0% |
| Paramount Bank | $835,000 | $520,000 | -37.7% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $515,000 | n/a | 0.0% | |
| RMS & Associates | $505,000 | $505,000 | 0.0% | 0.0% |
| ADVANTAGE PLUS | $905,000 | $495,000 | -45.3% | 0.0% |
| InterContinental Capital Group, Inc | $495,000 | n/a | 0.0% | |
| BOKF | $1,640,000 | $490,000 | -70.1% | 0.0% |
| Elements Financial Federal Credit Union | $475,000 | n/a | 0.0% | |
| The Union Bank Company | $520,000 | $460,000 | -11.5% | 0.0% |
| Sunflower Bank | $1,645,000 | $455,000 | -72.3% | 0.0% |
| Firefighters First Federal Credit Union | $450,000 | n/a | 0.0% | |
| CIBC Bank USA | $435,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $435,000 | $435,000 | 0.0% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $2,545,000 | $415,000 | -83.7% | 0.0% |
| Ameris Bank | $405,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $7,770,000 | $405,000 | -94.8% | 0.0% |
| Lake Area Bank | $405,000 | n/a | 0.0% | |
| Old National Bank | $405,000 | n/a | 0.0% | |
| KINECTA | $315,000 | $395,000 | 25.4% | 0.0% |
| United States Senate Federal Credit Union | $390,000 | n/a | 0.0% | |
| Core Bank | $225,000 | $385,000 | 71.1% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,935,000 | $385,000 | -80.1% | 0.0% |
| Signature Federal Credit Union | $125,000 | $385,000 | 208.0% | 0.0% |
| JMAC LENDING, INC. | $245,000 | $380,000 | 55.1% | 0.0% |
| Armed Forces Bank | $335,000 | $375,000 | 11.9% | 0.0% |
| MICHIGAN MUTUAL, INC. | $600,000 | $365,000 | -39.2% | 0.0% |
| SPRING EQ, LLC | $365,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $355,000 | n/a | 0.0% | |
| BMO Harris Bank | $355,000 | n/a | 0.0% | |
| Hawthorn Bank | $345,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $3,345,000 | $345,000 | -89.7% | 0.0% |
| Simmons Bank | $345,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $455,000 | $345,000 | -24.2% | 0.0% |
| Northwest Bank | $335,000 | n/a | 0.0% | |
| Regions Bank | $275,000 | $335,000 | 21.8% | 0.0% |
| Silicon Valley Bank | $275,000 | $325,000 | 18.2% | 0.0% |
| Renasant Bank | $195,000 | $315,000 | 61.5% | 0.0% |
| First Midwest Bank | $305,000 | n/a | 0.0% | |
| N R L Federal Credit Union | $305,000 | n/a | 0.0% | |
| SALAL | $285,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $285,000 | n/a | 0.0% | |
| ARC HOME LLC | $1,670,000 | $270,000 | -83.8% | 0.0% |
| First Federal Bank of Kansas City | $1,800,000 | $265,000 | -85.3% | 0.0% |
| First Western Federal Savings Bank | $265,000 | n/a | 0.0% | |
| MEGA CAPITAL FUNDING, INC. | $265,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $60,000 | $255,000 | 325.0% | 0.0% |
| LENDUS, LLC | $245,000 | n/a | 0.0% | |
| PINNACLE LENDING GROUP, INC. | $215,000 | n/a | 0.0% | |
| AEROSPACE FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| COLUMBIA COMMUNITY CREDIT UNION | $205,000 | n/a | 0.0% | |
| JAMES B. NUTTER & COMPANY | $3,640,000 | $195,000 | -94.6% | 0.0% |
| ON Q FINANCIAL, INC. | $1,305,000 | $195,000 | -85.1% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $175,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $155,000 | n/a | 0.0% | |
| Umpqua Bank | $795,000 | $155,000 | -80.5% | 0.0% |
| WINGS FINANCIAL | $1,070,000 | $155,000 | -85.5% | 0.0% |
| DAS Acquisition Company, LLC | $145,000 | n/a | 0.0% | |
| Hometown Lenders, Inc. | $135,000 | n/a | 0.0% | |
| Centier Bank | $65,000 | n/a | 0.0% | |
| NUMARK CREDIT UNION | $55,000 | n/a | 0.0% | |
| Baxter Credit Union | $3,455,000 | $35,000 | -99.0% | 0.0% |
| Service Federal Credit Union | $35,000 | n/a | 0.0% |
OGDEN - CLEARFIELD's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 10.6% market share. In second place, with 6.2%, is AMERICA FIRST, having originated $970,750,000 in loans. In third place, with 6.2%, is QUICKEN LOANS, LLC, having originated $970,405,000 in loans. In third place, with 5.6%, is ACADEMY MORTGAGE CORPORATION, having originated $865,575,000 in loans. In third place, with 4.5%, is INTERCAP LENDING INC., having originated $699,335,000 in loans.
OGDEN-CLEARFIELD, UT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 19,328 | $5,122,700,000 | $265,040 |
| Cash Out Refi | 15,505 | $4,571,615,000 | $294,848 |
| Home Purchase | 14,095 | $5,150,685,000 | $365,426 |
| Home Improvement | 4,269 | $447,515,000 | $104,829 |
| Other | 2,582 | $283,680,000 | $109,868 |
Ogden - Clearfield's most frequently cited loan purpose was Refi, with 19,328 originations. The 2nd most popular reason was Cash Out Refi, with 15,505 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 21,377 | $6,772,645,000 | $316,819 |
| 3-4% | 17,464 | $5,081,520,000 | $290,971 |
| <2.5% | 11,841 | $3,116,955,000 | $263,234 |
| 4-5% | 3,183 | $419,435,000 | $131,773 |
| 5-6% | 1,099 | $92,305,000 | $83,990 |
| Over 8% | 356 | $23,990,000 | $67,388 |
| 6-7% | 279 | $21,985,000 | $78,799 |
| 7-8% | 144 | $9,640,000 | $66,944 |
During 2021, Ogden - Clearfield's most frequently originated rate bucket was 2.5-3%, with 21,377 originations.
Loan Sizing (OGDEN-CLEARFIELD, UT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 27,946 | $8,127,350,000 | $290,823 |
| $100k-200k | 10,390 | $1,595,160,000 | $153,528 |
| $400k-600k | 8,319 | $3,918,295,000 | $471,006 |
| $100,000 or less | 7,457 | $374,095,000 | $50,167 |
| $600k-1000k | 1,414 | $982,550,000 | $694,873 |
| $Over $1MM | 253 | $578,745,000 | $2,287,530 |
OGDEN - CLEARFIELD's loan sizing saw the bucket of loans from $200k-400k with 27,946 originations, totaling $8,127,350,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 17,839 | $6,105,435,000 | $342,252 |
| 80-100% | 12,427 | $4,625,995,000 | $372,254 |
| 40-60% | 10,997 | $2,914,045,000 | $264,985 |
| Under 20% | 6,578 | $346,750,000 | $52,714 |
| 20-40% | 5,946 | $944,340,000 | $158,819 |
| Over 100% | 478 | $215,620,000 | $451,088 |
OGDEN - CLEARFIELD's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 17,839 originations, totaling $6,105,435,000 in origination value.
