ST. GEORGE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in St. George averaged
6.54%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.55% and
one month ago for the week of 2025-02-27, the
average rate was 6.56%.
St. George's average rate one year ago was 6.59%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| St. George 30 Year Fixed Rate | 2025-04-03 | 6.54% |
| St. George 30 Year Fixed Rate Refi | 2025-04-03 | 7.11% |
| St. George 15 Year Fixed Rate | 2025-04-03 | 6.33% |
| St. George 15 Year Fixed Rate Refi | 2025-04-03 | 5.92% |
| St. George 30 Year FHA | 2025-04-03 | 5.61% |
| St. George 30 Year FHA Refi | 2025-04-03 | 6.26% |
| St. George 30 Year USDA | 2025-04-03 | 6.22% |
| St. George 30 Year USDA Refi | 2025-04-03 | 6.42% |
| St. George 30 Year VA | 2025-04-03 | 6% |
| St. George 30 Year VA Refi | 2025-04-03 | 6.26% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ST. GEORGE, UT.
ST. GEORGE 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 ST. GEORGE, 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.).
ST. GEORGE Average Closing Costs & Other Stats
ST. GEORGE, UT's 179 lenders originated 6,309
loans during 2024. The total origination value was $2,269,885,000, with an average loan value of
$359,785.
ST. GEORGE's average closing costs are $5,927.
The top ST. GEORGE lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
311 loans originated. Their average total fees are
$8,610, which is $970
lower than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee ST. GEORGE lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($2,271), DHI MORTGAGE COMPANY, LTD. ($3,037), Morgan Stanley Private Bank ($3,935), Cache Valley Bank ($4,722) and State Bank of Southern Utah ($4,880).
The lowest rate ST. GEORGE lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION (5.57%), DHI MORTGAGE COMPANY, LTD. (5.81%), Morgan Stanley Private Bank (6.00%), Mr. Cooper ( Nationstar Mortgage ) (6.27%) and GOLDENWEST (6.32%).
ST. GEORGE, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $209,525,000 | $251,140,000 | 19.9% | 11.1% |
| GUILD MORTGAGE COMPANY | $100,920,000 | $226,505,000 | 124.4% | 10.0% |
| MOUNTAIN AMERICA | $125,200,000 | $108,880,000 | -13.0% | 4.8% |
| Zions Bank | $140,185,000 | $107,900,000 | -23.0% | 4.8% |
| SUN AMERICAN MORTGAGE COMPANY | $97,550,000 | $97,445,000 | -0.1% | 4.3% |
| DHI MORTGAGE COMPANY, LTD. | $58,635,000 | $89,690,000 | 53.0% | 4.0% |
| FIRST COLONY MORTGAGE CORPORATION | $92,735,000 | $86,360,000 | -6.9% | 3.8% |
| QUICKEN LOANS, LLC | $57,605,000 | $83,445,000 | 44.9% | 3.7% |
| BELEM SERVICING LLC | $54,070,000 | $82,670,000 | 52.9% | 3.6% |
| INTERCAP LENDING INC. | $65,655,000 | $82,420,000 | 25.5% | 3.6% |
| AMERICA FIRST | $63,780,000 | $71,970,000 | 12.8% | 3.2% |
| The Loan Store, Inc. | $3,520,000 | $58,595,000 | 1,564.6% | 2.6% |
| GOLDENWEST | $31,570,000 | $43,715,000 | 38.5% | 1.9% |
| MY MOVE MORTGAGE, LLC | $31,300,000 | $39,370,000 | 25.8% | 1.7% |
| State Bank of Southern Utah | $50,600,000 | $35,515,000 | -29.8% | 1.6% |
| BOKF | $34,005,000 | n/a | 1.5% | |
| Century Mortgage Company DBA Century Lending Company | $10,265,000 | $29,355,000 | 186.0% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $17,065,000 | $26,150,000 | 53.2% | 1.2% |
| U.S. Bank | $16,615,000 | $26,110,000 | 57.1% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $15,400,000 | $21,500,000 | 39.6% | 0.9% |
| CHARTWAY FEDERAL CREDIT UNION | $10,780,000 | $18,185,000 | 68.7% | 0.8% |
| Glacier Bank | $23,025,000 | $18,095,000 | -21.4% | 0.8% |
| Cache Valley Bank | $35,435,000 | $16,590,000 | -53.2% | 0.7% |
| NEWREZ LLC | $8,020,000 | $15,290,000 | 90.6% | 0.7% |
| SECURITYNATIONAL MORTGAGE COMPANY | $10,010,000 | $14,235,000 | 42.2% | 0.6% |
| Deseret First Credit Union | $6,235,000 | $13,905,000 | 123.0% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $8,980,000 | $13,595,000 | 51.4% | 0.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $7,445,000 | $12,370,000 | 66.2% | 0.5% |
| UTAH FIRST | $7,205,000 | $12,150,000 | 68.6% | 0.5% |
| Bank of Utah | $12,230,000 | $11,870,000 | -2.9% | 0.5% |
| BAY EQUITY LLC | $16,470,000 | $10,580,000 | -35.8% | 0.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $235,000 | $10,485,000 | 4,361.7% | 0.5% |
| LOANDEPOT.COM, LLC | $3,045,000 | $10,335,000 | 239.4% | 0.5% |
| CANOPY MORTGAGE, LLC | $4,390,000 | $10,175,000 | 131.8% | 0.4% |
| BROKER SOLUTIONS, INC. | $17,015,000 | $9,985,000 | -41.3% | 0.4% |
| CBRE MULTIFAMILY CAPITAL, INC. | $9,755,000 | n/a | 0.4% | |
| Morgan Stanley Private Bank | $4,990,000 | $9,730,000 | 95.0% | 0.4% |
| Mortgage Research Center, LLC | $2,520,000 | $9,630,000 | 282.1% | 0.4% |
| HOMEXPRESS MORTGAGE CORP. | $7,780,000 | $9,035,000 | 16.1% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,515,000 | $8,900,000 | 153.2% | 0.4% |
| JPMorgan Chase Bank | $12,075,000 | $8,845,000 | -26.7% | 0.4% |
| VERITAS FUNDING, LLC | $8,690,000 | $8,755,000 | 0.7% | 0.4% |
| DEEPHAVEN MORTGAGE LLC | $6,835,000 | $8,665,000 | 26.8% | 0.4% |
| GUARANTEED RATE, INC. | $900,000 | $8,600,000 | 855.6% | 0.4% |
| HOMEAMERICAN MORTGAGE CORPORATION | $1,700,000 | $8,565,000 | 403.8% | 0.4% |
| RANLIFE, INC. | $2,690,000 | $8,275,000 | 207.6% | 0.4% |
| Citadel Servicing Corporation | $4,910,000 | $8,170,000 | 66.4% | 0.4% |
| LONGBRIDGE FINANCIAL, LLC | $4,565,000 | $8,160,000 | 78.8% | 0.4% |
| Wells Fargo Bank | $12,755,000 | $7,850,000 | -38.5% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $9,675,000 | $7,820,000 | -19.2% | 0.3% |
| SECURITY SERVICE | $20,440,000 | $7,385,000 | -63.9% | 0.3% |
| The Huntington National Bank | $4,605,000 | $7,335,000 | 59.3% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $2,225,000 | $7,235,000 | 225.2% | 0.3% |
| BMO Harris Bank | $2,480,000 | $7,175,000 | 189.3% | 0.3% |
| Flagstar Bank, FSB | $9,510,000 | $6,720,000 | -29.3% | 0.3% |
| SECURITY HOME MORTGAGE, LLC. | $5,255,000 | $6,300,000 | 19.9% | 0.3% |
| University First Federal Credit Union | $7,605,000 | $6,220,000 | -18.2% | 0.3% |
| Plains Commerce Bank | $1,185,000 | $6,180,000 | 421.5% | 0.3% |
| DIRECT MORTGAGE, CORP. | $3,595,000 | $6,165,000 | 71.5% | 0.3% |
| FINANCE OF AMERICA REVERSE LLC | $3,760,000 | $5,545,000 | 47.5% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $2,835,000 | $5,525,000 | 94.9% | 0.2% |
| Bank of America | $7,705,000 | $5,435,000 | -29.5% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $3,130,000 | $5,360,000 | 71.2% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $4,885,000 | $5,305,000 | 8.6% | 0.2% |
| AMWEST FUNDING CORP. | $5,380,000 | $5,140,000 | -4.5% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $3,800,000 | $5,045,000 | 32.8% | 0.2% |
| CMG MORTGAGE, INC. | $4,495,000 | $5,015,000 | 11.6% | 0.2% |
| ALLIANT CREDIT UNION | $815,000 | $4,930,000 | 504.9% | 0.2% |
| USAA Federal Savings Bank | $1,930,000 | $4,780,000 | 147.7% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $3,895,000 | $4,755,000 | 22.1% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $1,335,000 | $4,755,000 | 256.2% | 0.2% |
| Washington Federal Bank | $7,070,000 | $4,520,000 | -36.1% | 0.2% |
| LENDSURE MORTGAGE CORP. | $5,580,000 | $4,430,000 | -20.6% | 0.2% |
| UTAH COMMUNITY | $7,920,000 | $4,055,000 | -48.8% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,890,000 | $4,050,000 | -17.2% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,775,000 | $3,845,000 | 116.6% | 0.2% |
| CASTLE & COOKE MORTGAGE, LLC | $1,540,000 | $3,830,000 | 148.7% | 0.2% |
| LIMA ONE CAPITAL, LLC | $1,085,000 | $3,795,000 | 249.8% | 0.2% |
| Commerce Home Mortgage, Inc. | $1,585,000 | $3,740,000 | 136.0% | 0.2% |
| OCMBC, INC. | $1,285,000 | $3,635,000 | 182.9% | 0.2% |
| Charles Schwab Bank, SSB | $660,000 | $3,405,000 | 415.9% | 0.2% |
| The Federal Savings Bank | $955,000 | $3,405,000 | 256.5% | 0.2% |
| AMERICAN FINANCING CORPORATION | $1,325,000 | $3,270,000 | 146.8% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $3,230,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $1,500,000 | $3,205,000 | 113.7% | 0.1% |
| PLANET HOME LENDING, LLC | $435,000 | $3,120,000 | 617.2% | 0.1% |
| AXIA FINANCIAL, LLC | $1,250,000 | $3,100,000 | 148.0% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $5,090,000 | $2,880,000 | -43.4% | 0.1% |
| Northpointe Bank | $670,000 | $2,840,000 | 323.9% | 0.1% |
| NBH Bank | $26,040,000 | $2,835,000 | -89.1% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,375,000 | $2,730,000 | 98.5% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $2,850,000 | $2,705,000 | -5.1% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $4,085,000 | $2,665,000 | -34.8% | 0.1% |
| NEXERA HOLDING LLC | $7,190,000 | $2,635,000 | -63.4% | 0.1% |
| Carrington Mortgage Services, LLC | $2,515,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $715,000 | $2,465,000 | 244.8% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $4,595,000 | $2,350,000 | -48.9% | 0.1% |
| S1L, Inc. | $3,960,000 | $2,260,000 | -42.9% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,240,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $3,595,000 | $2,170,000 | -39.6% | 0.1% |
| University Bank | $345,000 | $2,160,000 | 526.1% | 0.1% |
| TBI MORTGAGE COMPANY | $1,360,000 | $2,015,000 | 48.2% | 0.1% |
| Stifel Bank and Trust | $800,000 | $2,010,000 | 151.3% | 0.1% |
| Citibank | $2,755,000 | $1,990,000 | -27.8% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $3,080,000 | $1,970,000 | -36.0% | 0.1% |
| Discover Bank | $2,145,000 | $1,935,000 | -9.8% | 0.1% |
| SWBC MORTGAGE CORPORATION | $1,220,000 | $1,930,000 | 58.2% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $1,795,000 | n/a | 0.1% | |
| Arvest Bank | $1,770,000 | n/a | 0.1% | |
| GARDNER FINANCIAL SERVICES, LTD. | $325,000 | $1,720,000 | 429.2% | 0.1% |
| KeyBank | $14,095,000 | $1,710,000 | -87.9% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $2,435,000 | $1,645,000 | -32.4% | 0.1% |
| Figure Lending LLC | $1,780,000 | $1,625,000 | -8.7% | 0.1% |
| BETTER MORTGAGE CORPORATION | $455,000 | $1,575,000 | 246.2% | 0.1% |
| Home Mortgage Alliance Corp | $1,570,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $2,700,000 | $1,560,000 | -42.2% | 0.1% |
| Utah Mortgage Loan Corporation | $650,000 | $1,560,000 | 140.0% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $725,000 | $1,505,000 | 107.6% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $2,065,000 | $1,485,000 | -28.1% | 0.1% |
| CYPRUS Federal Credit Union | $4,155,000 | $1,460,000 | -64.9% | 0.1% |
| Encompass Lending Group, LP | $490,000 | $1,415,000 | 188.8% | 0.1% |
| Ally Bank | $1,630,000 | $1,395,000 | -14.4% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $550,000 | $1,380,000 | 150.9% | 0.1% |
| PNC Bank | $975,000 | $1,370,000 | 40.5% | 0.1% |
| ALAMEDA MORTGAGE CORPORATION | $1,365,000 | n/a | 0.1% | |
| Central Bank | $2,665,000 | $1,360,000 | -49.0% | 0.1% |
| Bethpage Federal Credit Union | $165,000 | $1,350,000 | 718.2% | 0.1% |
| PHH Mortgage Corporation | $3,285,000 | $1,340,000 | -59.2% | 0.1% |
| First United Bank and Trust Company | $1,320,000 | n/a | 0.1% | |
| First Savings Bank | $1,230,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $260,000 | $1,215,000 | 367.3% | 0.1% |
| First Federal Bank | $1,200,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $1,600,000 | $1,195,000 | -25.3% | 0.1% |
| Goldwater Bank, N.A. | $2,015,000 | $1,180,000 | -41.4% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $530,000 | $1,150,000 | 117.0% | 0.1% |
| Coastal Community Bank | $1,360,000 | $1,085,000 | -20.2% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,080,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $1,065,000 | n/a | 0.0% | |
| Franklin Loan Corporation | $1,010,000 | n/a | 0.0% | |
| GRANITE FEDERAL CREDIT UNION | $720,000 | $1,010,000 | 40.3% | 0.0% |
| Raymond James Bank | $3,975,000 | $1,005,000 | -74.7% | 0.0% |
| Wasatch Peaks Federal Credit Union | $1,000,000 | n/a | 0.0% | |
| Banterra Bank | $755,000 | $995,000 | 31.8% | 0.0% |
| First-Citizens Bank & Trust Company | $995,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $190,000 | $965,000 | 407.9% | 0.0% |
| GEORGIA'S OWN | $330,000 | $950,000 | 187.9% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $345,000 | $915,000 | 165.2% | 0.0% |
| ON Q FINANCIAL, INC. | $2,605,000 | $915,000 | -64.9% | 0.0% |
| Magnolia Bank | $910,000 | n/a | 0.0% | |
| NexBank | $355,000 | $910,000 | 156.3% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $375,000 | $860,000 | 129.3% | 0.0% |
| Armed Forces Bank | $365,000 | $765,000 | 109.6% | 0.0% |
| NFM, INC. | $765,000 | n/a | 0.0% | |
| UBS Bank USA | $1,450,000 | $765,000 | -47.2% | 0.0% |
| IDAHO CENTRAL | $770,000 | $755,000 | -1.9% | 0.0% |
| Midwest BankCentre | $755,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $725,000 | $735,000 | 1.4% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $4,000,000 | $725,000 | -81.9% | 0.0% |
| ZILLOW HOME LOANS, LLC | $725,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $720,000 | n/a | 0.0% | |
| BNY Mellon | $705,000 | n/a | 0.0% | |
| ONE NEVADA CREDIT UNION | $705,000 | n/a | 0.0% | |
| KINECTA | $25,000 | $690,000 | 2,660.0% | 0.0% |
| TOWNE MORTGAGE COMPANY | $665,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $155,000 | $655,000 | 322.6% | 0.0% |
| NBKC BANK | $1,575,000 | $650,000 | -58.7% | 0.0% |
| ADVANCIAL | $660,000 | $630,000 | -4.5% | 0.0% |
| EVERETT FINANCIAL, INC. | $2,115,000 | $605,000 | -71.4% | 0.0% |
| FirstBank | $385,000 | $605,000 | 57.1% | 0.0% |
| T2 FINANCIAL LLC | $605,000 | n/a | 0.0% | |
| Webster Bank | $605,000 | n/a | 0.0% | |
| Baxter Credit Union | $595,000 | n/a | 0.0% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $595,000 | n/a | 0.0% | |
| Texana Bank | $595,000 | n/a | 0.0% | |
| Comerica Bank | $585,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $770,000 | $585,000 | -24.0% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $575,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $1,040,000 | $560,000 | -46.2% | 0.0% |
| Truist | $560,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $545,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $1,155,000 | $535,000 | -53.7% | 0.0% |
| RESIDENTIAL BANCORP | $505,000 | $515,000 | 2.0% | 0.0% |
| GTE Federal Credit Union | $105,000 | $510,000 | 385.7% | 0.0% |
| CITYWIDE HOME LOANS, LLC | $12,170,000 | $505,000 | -95.9% | 0.0% |
| Sauk Valley Bank & Trust Company | $495,000 | n/a | 0.0% | |
| Granite Community Bank | $485,000 | n/a | 0.0% | |
| NMSI, INC. | $475,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $365,000 | $465,000 | 27.4% | 0.0% |
| INTELLILOAN, INC. | $455,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $455,000 | n/a | 0.0% | |
| Starion Bank | $455,000 | n/a | 0.0% | |
| Valley National Bank | $455,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $275,000 | $445,000 | 61.8% | 0.0% |
| Eagle Bank and Trust Company | $345,000 | $435,000 | 26.1% | 0.0% |
| Utah Power | $1,190,000 | $435,000 | -63.4% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,480,000 | $425,000 | -82.9% | 0.0% |
| STAR ONE CREDIT UNION | $295,000 | $425,000 | 44.1% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $1,415,000 | $420,000 | -70.3% | 0.0% |
| BECKAM FUNDING CORP. | $415,000 | n/a | 0.0% | |
| D. L. Evans Bank | $825,000 | $405,000 | -50.9% | 0.0% |
| DIGNIFIED HOME LOANS, LLC | $385,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $890,000 | $375,000 | -57.9% | 0.0% |
| North American Savings Bank, F.S.B. | $375,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $375,000 | n/a | 0.0% | |
| LOANFLIGHT LENDING, LLC | $365,000 | n/a | 0.0% | |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $355,000 | n/a | 0.0% | |
| First National Bank of America | $335,000 | $345,000 | 3.0% | 0.0% |
| LADERA LENDING, INC. | $615,000 | $325,000 | -47.2% | 0.0% |
| Cornerstone First Mortgage, Inc | $405,000 | $315,000 | -22.2% | 0.0% |
| 21ST MORTGAGE CORPORATION | $25,000 | $310,000 | 1,140.0% | 0.0% |
| GMFS LLC | $920,000 | $310,000 | -66.3% | 0.0% |
| M&T Bank | $980,000 | $295,000 | -69.9% | 0.0% |
| Amalgamated Bank | $285,000 | n/a | 0.0% | |
| ARC HOME LLC | $1,290,000 | $275,000 | -78.7% | 0.0% |
| HighTechLending Inc | $365,000 | $275,000 | -24.7% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $270,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $145,000 | $265,000 | 82.8% | 0.0% |
| First Western Trust Bank | $265,000 | n/a | 0.0% | |
| LOANPAL, LLC | $205,000 | $265,000 | 29.3% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $505,000 | $255,000 | -49.5% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $245,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $235,000 | n/a | 0.0% | |
| BEEHIVE | $485,000 | $205,000 | -57.7% | 0.0% |
| Willamette Valley Bank | $205,000 | n/a | 0.0% | |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $185,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $325,000 | $145,000 | -55.4% | 0.0% |
| TOWER | $145,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $135,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| AMERICAN UNITED FAMILY OF CREDIT UN | $860,000 | $105,000 | -87.8% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $155,000 | $75,000 | -51.6% | 0.0% |
| Southwest Airlines Federal Credit Union | $55,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $55,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $35,000 | n/a | 0.0% |
ST. GEORGE's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 11.1% market share. In second place, with 10.0%, is GUILD MORTGAGE COMPANY, having originated $226,505,000 in loans. In third place, with 4.8%, is MOUNTAIN AMERICA, having originated $108,880,000 in loans. In fourth place, with 4.8%, is Zions Bank, having originated $107,900,000 in loans. In fifth place, with 4.3%, is SUN AMERICAN MORTGAGE COMPANY, having originated $97,445,000 in loans.
ST. GEORGE Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - ST. GEORGE (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 | $364,950 (6.6%) | $468,710 (0.7%) | 0.00 | 1,049 |
| 2018-02-01 | $379,450 (8.5%) | $538,718 (14.9%) | 0.00 | 1,149 |
| 2018-03-01 | $379,900 (8.6%) | $537,314 (16.3%) | 0.00 | 1,142 |
| 2018-04-01 | $390,875 (11.7%) | $561,402 (22.0%) | 0.00 | 1,072 |
| 2018-05-01 | $396,250 (6.4%) | $556,838 (7.0%) | 0.00 | 1,053 |
| 2018-06-01 | $389,000 (4.6%) | $541,935 (4.9%) | 0.00 | 1,064 |
| 2018-07-01 | $381,942 (6.1%) | $541,181 (6.3%) | 0.00 | 1,098 |
| 2018-08-01 | $388,900 (6.8%) | $478,965 (-6.5%) | 0.00 | 1,119 |
| 2018-09-01 | $386,173 (5.8%) | $495,232 (-3.5%) | 0.00 | 1,198 |
| 2018-10-01 | $379,900 (6.9%) | $484,825 (6.1%) | 0.00 | 1,294 |
| 2018-11-01 | $377,561 (7.3%) | $477,462 (4.6%) | 0.00 | 1,326 |
| 2018-12-01 | $379,950 (4.5%) | $479,560 (2.8%) | 0.00 | 1,246 |
| 2019-01-01 | $379,950 (4.1%) | $479,747 (2.4%) | 0.00 | 1,210 |
| 2019-02-01 | $397,000 (4.6%) | $493,515 (-8.4%) | 0.00 | 1,367 |
| 2019-03-01 | $399,900 (5.3%) | $499,406 (-7.1%) | 0.00 | 1,410 |
| 2019-04-01 | $399,900 (2.3%) | $495,590 (-11.7%) | 0.00 | 1,381 |
| 2019-05-01 | $399,900 (0.9%) | $501,703 (-9.9%) | 0.00 | 1,261 |
| 2019-06-01 | $399,900 (2.8%) | $502,227 (-7.3%) | 0.00 | 1,236 |
| 2019-07-01 | $409,175 (7.1%) | $2,166,063 (300.3%) | 0.00 | 1,187 |
| 2019-08-01 | $406,664 (4.6%) | $1,748,773 (265.1%) | 0.00 | 1,217 |
| 2019-09-01 | $402,634 (4.3%) | $1,049,189 (111.9%) | 0.00 | 1,298 |
| 2019-10-01 | $400,197 (5.3%) | $520,251 (7.3%) | 0.00 | 1,338 |
| 2019-11-01 | $418,135 (10.8%) | $527,888 (10.6%) | 0.00 | 1,220 |
| 2019-12-01 | $427,500 (12.5%) | $535,906 (11.8%) | 0.00 | 1,174 |
| 2020-01-01 | $429,450 (13.0%) | $538,565 (12.3%) | 0.00 | 1,161 |
| 2020-02-01 | $429,900 (8.3%) | $552,590 (12.0%) | 0.00 | 1,234 |
| 2020-03-01 | $439,900 (10.0%) | $569,943 (14.1%) | 0.00 | 1,250 |
| 2020-04-01 | $444,400 (11.1%) | $560,220 (13.0%) | 0.00 | 1,340 |
| 2020-05-01 | $439,900 (10.0%) | $568,815 (13.4%) | 0.00 | 1,213 |
| 2020-06-01 | $444,920 (11.3%) | $586,208 (16.7%) | 0.00 | 974 |
| 2020-07-01 | $454,000 (11.0%) | $603,191 (-72.2%) | 0.00 | 819 |
| 2020-08-01 | $456,000 (12.1%) | $641,269 (-63.3%) | 0.00 | 667 |
| 2020-09-01 | $467,500 (16.1%) | $678,244 (-35.4%) | 0.00 | 605 |
| 2020-10-01 | $500,000 (24.9%) | $758,599 (45.8%) | 0.00 | 513 |
| 2020-11-01 | $529,900 (26.7%) | $831,809 (57.6%) | 0.00 | 460 |
| 2020-12-01 | $538,425 (26.0%) | $828,405 (54.6%) | 0.00 | 413 |
| 2021-01-01 | $549,250 (27.9%) | $839,009 (55.8%) | 0.00 | 312 |
| 2021-02-01 | $584,832 (36.0%) | $846,219 (53.1%) | 0.00 | 287 |
| 2021-03-01 | $612,450 (39.2%) | $835,305 (46.6%) | 0.00 | 259 |
| 2021-04-01 | $635,086 (42.9%) | $840,053 (50.0%) | 0.00 | 254 |
| 2021-05-01 | $650,000 (47.8%) | $887,800 (56.1%) | 0.00 | 318 |
| 2021-06-01 | $649,925 (46.1%) | $1,270,947 (116.8%) | 0.00 | 413 |
| 2021-07-01 | $645,000 (42.1%) | $1,163,608 (92.9%) | 0.00 | 524 |
| 2021-08-01 | $625,000 (37.1%) | $1,102,629 (71.9%) | 0.00 | 593 |
| 2021-09-01 | $630,875 (35.0%) | $1,000,068 (47.5%) | 0.00 | 680 |
| 2021-10-01 | $620,000 (24.0%) | $990,752 (30.6%) | 0.00 | 703 |
| 2021-11-01 | $634,500 (19.7%) | $1,016,101 (22.2%) | 0.00 | 618 |
| 2021-12-01 | $659,950 (22.6%) | $1,100,818 (32.9%) | 0.00 | 506 |
| 2022-01-01 | $725,000 (32.0%) | $1,203,247 (43.4%) | 0.00 | 409 |
| 2022-02-01 | $770,000 (31.7%) | $1,276,826 (50.9%) | 0.00 | 369 |
| 2022-03-01 | $788,000 (28.7%) | $1,252,213 (49.9%) | 0.00 | 431 |
| 2022-04-01 | $779,500 (22.7%) | $986,129 (17.4%) | 0.00 | 473 |
| 2022-05-01 | $765,725 (17.8%) | $951,086 (7.1%) | 0.00 | 676 |
| 2022-06-01 | $739,950 (13.9%) | $901,399 (-29.1%) | 0.00 | 866 |
| 2022-07-01 | $699,900 (8.5%) | $848,270 (-27.1%) | 0.00 | 1,101 |
| 2022-08-01 | $665,925 (6.6%) | $799,705 (-27.5%) | 0.00 | 1,247 |
| 2022-09-01 | $656,475 (4.1%) | $788,189 (-21.2%) | 0.00 | 1,293 |
| 2022-10-01 | $649,900 (4.8%) | $778,238 (-21.5%) | 0.00 | 1,375 |
| 2022-11-01 | $649,450 (2.4%) | $776,142 (-23.6%) | 0.00 | 1,379 |
| 2022-12-01 | $649,500 (-1.6%) | $779,550 (-29.2%) | 0.00 | 1,319 |
| 2023-01-01 | $629,950 (-13.1%) | $770,741 (-35.9%) | 0.00 | 1,231 |
| 2023-02-01 | $659,000 (-14.4%) | $823,800 (-35.5%) | 0.00 | 1,269 |
| 2023-03-01 | $679,729 (-13.7%) | $863,229 (-31.1%) | 0.00 | 1,304 |
| 2023-04-01 | $675,000 (-13.4%) | $861,970 (-12.6%) | 0.00 | 1,230 |
| 2023-05-01 | $682,500 (-10.9%) | $885,256 (-6.9%) | 0.00 | 1,142 |
| 2023-06-01 | $692,425 (-6.4%) | $883,911 (-1.9%) | 0.00 | 1,096 |
| 2023-07-01 | $675,000 (-3.6%) | $854,619 (0.8%) | 0.00 | 1,096 |
| 2023-08-01 | $664,950 (-0.2%) | $833,927 (4.3%) | 0.00 | 1,074 |
| 2023-09-01 | $659,000 (0.4%) | $821,883 (4.3%) | 0.00 | 1,183 |
| 2023-10-01 | $675,000 (3.9%) | $843,645 (8.4%) | 0.00 | 1,259 |
| 2023-11-01 | $664,000 (2.2%) | $830,294 (7.0%) | 0.00 | 1,224 |
| 2023-12-01 | $649,900 (0.1%) | $828,988 (6.3%) | 0.00 | 1,193 |
| 2024-01-01 | $654,225 (3.9%) | $840,778 (9.1%) | 0.00 | 1,138 |
| 2024-02-01 | $696,073 (5.6%) | $919,231 (11.6%) | 0.00 | 1,234 |
| 2024-03-01 | $699,900 (3.0%) | $955,037 (10.6%) | 0.00 | 1,290 |
| 2024-04-01 | $698,750 (3.5%) | $954,287 (10.7%) | 0.00 | 1,244 |
| 2024-05-01 | $687,075 (0.7%) | $954,836 (7.9%) | 0.00 | 1,251 |
| 2024-06-01 | $670,000 (-3.2%) | $914,897 (3.5%) | 0.00 | 1,244 |
| 2024-07-01 | $659,500 (-2.3%) | $882,795 (3.3%) | 0.00 | 1,294 |
| 2024-08-01 | $650,000 (-2.3%) | $866,189 (3.9%) | 0.00 | 1,359 |
| 2024-09-01 | $659,973 (0.2%) | $854,698 (4.0%) | 0.00 | 1,506 |
| 2024-10-01 | $675,000 (0.0%) | $879,831 (4.3%) | 0.00 | 1,601 |
| 2024-11-01 | $665,000 (0.2%) | $877,859 (5.7%) | 0.00 | 1,578 |
| 2024-12-01 | $659,000 (1.4%) | $875,768 (5.6%) | 0.00 | 1,474 |
| 2025-01-01 | $650,000 (-0.7%) | $874,714 (4.0%) | 0.00 | 1,407 |
| 2025-02-01 | $640,000 (-8.1%) | $891,653 (-3.0%) | 0.00 | 1,669 |
| 2025-03-01 | $659,000 (-5.8%) | $925,374 (-3.1%) | 0.00 | 1,764 |
ST. GEORGE's median listing price for 2025-03-01 was $659,000, a difference of
$-40,900
(-5.8%) versus the prior year and
$19,000 versus the prior month.
ST. GEORGE's median listing price comes in at 0% of the national average.
ST. GEORGE's average listing price for 2025-03-01 was $925,374, a difference of $-29,663 (-3.1%) versus the prior year and $33,721 versus the prior month.
For the 2025-03-01 period, ST. GEORGE had 1,764 MLS listings, a difference of 95 listings (6%) versus the prior month and 474 listings (37%) versus the prior year.
ST. GEORGE's median listing price comes in at 0% of the national average.
ST. GEORGE's average listing price for 2025-03-01 was $925,374, a difference of $-29,663 (-3.1%) versus the prior year and $33,721 versus the prior month.
For the 2025-03-01 period, ST. GEORGE had 1,764 MLS listings, a difference of 95 listings (6%) versus the prior month and 474 listings (37%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - ST. GEORGE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,241 sqft |
| 2018-02-01 | 0 days | 2,281 sqft |
| 2018-03-01 | 0 days | 2,259 sqft |
| 2018-04-01 | 0 days | 2,293 sqft |
| 2018-05-01 | 0 days | 2,293 sqft |
| 2018-06-01 | 0 days | 2,249 sqft |
| 2018-07-01 | 0 days | 2,223 sqft |
| 2018-08-01 | 0 days | 2,239 sqft |
| 2018-09-01 | 0 days | 2,246 sqft |
| 2018-10-01 | 0 days | 2,205 sqft |
| 2018-11-01 | 0 days | 2,179 sqft |
| 2018-12-01 | 0 days | 2,184 sqft |
| 2019-01-01 | 0 days | 2,174 sqft |
| 2019-02-01 | 0 days | 2,191 sqft |
| 2019-03-01 | 0 days | 2,246 sqft |
| 2019-04-01 | 0 days | 2,237 sqft |
| 2019-05-01 | 0 days | 2,240 sqft |
| 2019-06-01 | 0 days | 2,200 sqft |
| 2019-07-01 | 0 days | 2,186 sqft |
| 2019-08-01 | 0 days | 2,180 sqft |
| 2019-09-01 | 0 days | 2,173 sqft |
| 2019-10-01 | 0 days | 2,191 sqft |
| 2019-11-01 | 0 days | 2,268 sqft |
| 2019-12-01 | 0 days | 2,293 sqft |
| 2020-01-01 | 0 days | 2,271 sqft |
| 2020-02-01 | 0 days | 2,255 sqft |
| 2020-03-01 | 0 days | 2,305 sqft |
| 2020-04-01 | 0 days | 2,309 sqft |
| 2020-05-01 | 0 days | 2,300 sqft |
| 2020-06-01 | 0 days | 2,304 sqft |
| 2020-07-01 | 0 days | 2,319 sqft |
| 2020-08-01 | 0 days | 2,330 sqft |
| 2020-09-01 | 0 days | 2,353 sqft |
| 2020-10-01 | 0 days | 2,466 sqft |
| 2020-11-01 | 0 days | 2,502 sqft |
| 2020-12-01 | 0 days | 2,500 sqft |
| 2021-01-01 | 0 days | 2,569 sqft |
| 2021-02-01 | 0 days | 2,536 sqft |
| 2021-03-01 | 0 days | 2,459 sqft |
| 2021-04-01 | 0 days | 2,499 sqft |
| 2021-05-01 | 0 days | 2,574 sqft |
| 2021-06-01 | 0 days | 2,525 sqft |
| 2021-07-01 | 0 days | 2,389 sqft |
| 2021-08-01 | 0 days | 2,294 sqft |
| 2021-09-01 | 0 days | 2,319 sqft |
| 2021-10-01 | 0 days | 2,322 sqft |
| 2021-11-01 | 0 days | 2,334 sqft |
| 2021-12-01 | 0 days | 2,458 sqft |
| 2022-01-01 | 0 days | 2,568 sqft |
| 2022-02-01 | 0 days | 2,570 sqft |
| 2022-03-01 | 0 days | 2,555 sqft |
| 2022-04-01 | 0 days | 2,498 sqft |
| 2022-05-01 | 0 days | 2,444 sqft |
| 2022-06-01 | 0 days | 2,353 sqft |
| 2022-07-01 | 0 days | 2,291 sqft |
| 2022-08-01 | 0 days | 2,222 sqft |
| 2022-09-01 | 0 days | 2,218 sqft |
| 2022-10-01 | 0 days | 2,173 sqft |
| 2022-11-01 | 0 days | 2,178 sqft |
| 2022-12-01 | 0 days | 2,174 sqft |
| 2023-01-01 | 0 days | 2,154 sqft |
| 2023-02-01 | 0 days | 2,222 sqft |
| 2023-03-01 | 0 days | 2,263 sqft |
| 2023-04-01 | 0 days | 2,270 sqft |
| 2023-05-01 | 0 days | 2,340 sqft |
| 2023-06-01 | 0 days | 2,350 sqft |
| 2023-07-01 | 0 days | 2,270 sqft |
| 2023-08-01 | 0 days | 2,262 sqft |
| 2023-09-01 | 0 days | 2,271 sqft |
| 2023-10-01 | 0 days | 2,319 sqft |
| 2023-11-01 | 0 days | 2,291 sqft |
| 2023-12-01 | 0 days | 2,267 sqft |
| 2024-01-01 | 0 days | 2,252 sqft |
| 2024-02-01 | 0 days | 2,337 sqft |
| 2024-03-01 | 0 days | 2,347 sqft |
| 2024-04-01 | 0 days | 2,341 sqft |
| 2024-05-01 | 0 days | 2,328 sqft |
| 2024-06-01 | 0 days | 2,300 sqft |
| 2024-07-01 | 0 days | 2,270 sqft |
| 2024-08-01 | 0 days | 2,250 sqft |
| 2024-09-01 | 0 days | 2,279 sqft |
| 2024-10-01 | 0 days | 2,315 sqft |
| 2024-11-01 | 0 days | 2,306 sqft |
| 2024-12-01 | 0 days | 2,286 sqft |
| 2025-01-01 | 0 days | 2,290 sqft |
| 2025-02-01 | 0 days | 2,264 sqft |
| 2025-03-01 | 0 days | 2,322 sqft |
ST. GEORGE's median listing age (time on market) for 2025-03-01 was 0 days.
ST. GEORGE's median square footage for active listings during the 2025-03-01 period was 2,322 sqft. One year prior, the average listing was 2,347 sqft.
ST. GEORGE's median square footage for active listings during the 2025-03-01 period was 2,322 sqft. One year prior, the average listing was 2,347 sqft.
ST. GEORGE, UT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,486 | $1,565,550,000 | $449,096 |
| Refi | 880 | $312,270,000 | $354,852 |
| Other | 736 | $128,360,000 | $174,402 |
| Home Improvement | 639 | $79,055,000 | $123,717 |
| Cash Out Refi | 565 | $182,355,000 | $322,752 |
| NA | 3 | $2,295,000 | $765,000 |
St. George's most frequently cited loan purpose was Home Purchase, with 3,486 originations. The 2nd most popular reason was Refi, with 880 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,280 | $963,740,000 | $422,693 |
| 7-8% | 1,394 | $529,010,000 | $379,491 |
| Over 8% | 1,317 | $260,325,000 | $197,665 |
| 5-6% | 1,107 | $449,675,000 | $406,210 |
| 4-5% | 103 | $44,015,000 | $427,330 |
| 2.5-3% | 75 | $12,825,000 | $171,000 |
| <2.5% | 7 | $1,025,000 | $146,429 |
| 3-4% | 3 | $1,715,000 | $571,667 |
During 2024, St. George's most frequently originated rate bucket was 6-7%, with 2,280 originations.
Loan Sizing (ST. GEORGE, UT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,132 | $650,990,000 | $305,342 |
| $400k-600k | 1,352 | $655,680,000 | $484,970 |
| $100,000 or less | 1,156 | $60,410,000 | $52,258 |
| $100k-200k | 870 | $123,740,000 | $142,230 |
| $600k-1000k | 618 | $446,900,000 | $723,139 |
| $Over $1MM | 181 | $332,165,000 | $1,835,166 |
ST. GEORGE's loan sizing saw the bucket of loans from $200k-400k with 2,132 originations, totaling $650,990,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,791 | $863,585,000 | $482,180 |
| Under 20% | 1,391 | $104,565,000 | $75,173 |
| 60-80% | 1,367 | $739,575,000 | $541,020 |
| 20-40% | 884 | $194,050,000 | $219,514 |
| 40-60% | 774 | $323,750,000 | $418,282 |
| Over 100% | 44 | $21,050,000 | $478,409 |
ST. GEORGE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,791 originations, totaling $863,585,000 in origination value.