ST. GEORGE Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in St. George averaged
5.52%
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
5.57% and
one month ago for the week of 2022-04-14, the
average rate was 5.07%.
St. George's average rate one year ago was 2.94%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.5%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| St. George 30 Year Fixed Rate | 2022-05-19 | 5.52% |
| St. George 30 Year Fixed Rate Refi | 2022-05-19 | 5.5% |
| St. George 15 Year Fixed Rate | 2022-05-19 | 4.64% |
| St. George 15 Year Fixed Rate Refi | 2022-05-19 | 4.36% |
| St. George 30 Year FHA | 2022-05-19 | 5.36% |
| St. George 30 Year FHA Refi | 2022-05-19 | 5.45% |
| St. George 30 Year USDA | 2022-05-19 | 5.36% |
| St. George 30 Year USDA Refi | 2022-05-19 | 4.86% |
| St. George 30 Year VA | 2022-05-19 | 5.31% |
| St. George 30 Year VA Refi | 2022-05-19 | 4.97% |
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 lendor, 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, UT's 246 lenders originated 16,590
loans during 2021. The total origination value was $5,085,490,000, with an average loan value of
$306,539.
The top ST. GEORGE lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
956 loans originated. Their average total fees are
$4,984, which is $682
higher than the next largest lender,
FIRST COLONY MORTGAGE CORPORATION.
The lowest fee ST. GEORGE lenders (with over 10 loans originated) are
CHERRY CREEK MORTGAGE, LLC ($770), North American Savings Bank, F.S.B. ($1,877), Strong Home Mortgage, LLC ($1,928), Wyndham Capital Mortgage, Inc. ($1,937) and FirstBank ($2,062).
The lowest rate ST. GEORGE lenders (with over 10 loans originated) are
North American Savings Bank, F.S.B. (2.65%), Bank of America (2.73%), PROVIDENT FUNDING ASSOCIATES, L.P. (2.73%), BETTER MORTGAGE CORPORATION (2.76%) and CANOPY MORTGAGE, LLC (2.82%).
ST. GEORGE, 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 | $341,700,000 | $465,075,000 | 36.1% | 9.1% |
| FIRST COLONY MORTGAGE CORPORATION | $307,325,000 | $311,690,000 | 1.4% | 6.1% |
| MOUNTAIN AMERICA | $243,455,000 | $282,660,000 | 16.1% | 5.6% |
| SUN AMERICAN MORTGAGE COMPANY | $214,810,000 | $272,705,000 | 27.0% | 5.4% |
| Zions Bancorporation, N.A. | $204,595,000 | $257,395,000 | 25.8% | 5.1% |
| QUICKEN LOANS, LLC | $220,835,000 | $236,310,000 | 7.0% | 4.6% |
| ACADEMY MORTGAGE CORPORATION | $184,495,000 | $187,030,000 | 1.4% | 3.7% |
| GUILD MORTGAGE COMPANY | $215,635,000 | $178,255,000 | -17.3% | 3.5% |
| CHERRY CREEK MORTGAGE, LLC | $174,460,000 | $177,845,000 | 1.9% | 3.5% |
| INTERCAP LENDING INC. | $203,045,000 | $161,355,000 | -20.5% | 3.2% |
| BELEM SERVICING LLC | $142,385,000 | $157,820,000 | 10.8% | 3.1% |
| BAY EQUITY LLC | $123,380,000 | $110,945,000 | -10.1% | 2.2% |
| AMERICA FIRST | $75,245,000 | $93,240,000 | 23.9% | 1.8% |
| LOANDEPOT.COM, LLC | $46,135,000 | $79,025,000 | 71.3% | 1.6% |
| HOME POINT FINANCIAL CORPORATION | $25,010,000 | $74,995,000 | 199.9% | 1.5% |
| GOLDENWEST | $57,375,000 | $73,510,000 | 28.1% | 1.4% |
| Wells Fargo Bank | $73,435,000 | $72,085,000 | -1.8% | 1.4% |
| Cache Valley Bank | $70,945,000 | $71,020,000 | 0.1% | 1.4% |
| CALIBER HOME LOANS, INC. | $116,255,000 | $59,515,000 | -48.8% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $72,710,000 | $59,515,000 | -18.1% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $39,765,000 | $57,165,000 | 43.8% | 1.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $54,425,000 | $50,205,000 | -7.8% | 1.0% |
| U.S. Bank | $46,310,000 | $49,140,000 | 6.1% | 1.0% |
| CITYWIDE HOME LOANS, LLC | $52,660,000 | $48,980,000 | -7.0% | 1.0% |
| VERITAS FUNDING, LLC | $37,470,000 | $44,755,000 | 19.4% | 0.9% |
| State Bank of Southern Utah | $48,335,000 | $44,405,000 | -8.1% | 0.9% |
| LONGBRIDGE FINANCIAL, LLC | $22,330,000 | $43,715,000 | 95.8% | 0.9% |
| BROKER SOLUTIONS, INC. | $49,890,000 | $40,600,000 | -18.6% | 0.8% |
| CANOPY MORTGAGE, LLC | $24,510,000 | $40,220,000 | 64.1% | 0.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $11,555,000 | $35,280,000 | 205.3% | 0.7% |
| MY MOVE MORTGAGE, LLC | $42,455,000 | $34,780,000 | -18.1% | 0.7% |
| Glacier Bank | $2,670,000 | $31,970,000 | 1,097.4% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $45,115,000 | $31,650,000 | -29.8% | 0.6% |
| BETTER MORTGAGE CORPORATION | $9,645,000 | $30,060,000 | 211.7% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $17,255,000 | $27,580,000 | 59.8% | 0.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $23,845,000 | $27,075,000 | 13.5% | 0.5% |
| SECURITY SERVICE | $21,825,000 | $26,995,000 | 23.7% | 0.5% |
| STEARNS LENDING, LLC | $14,535,000 | $26,240,000 | 80.5% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $29,605,000 | $25,955,000 | -12.3% | 0.5% |
| NEWREZ LLC | $8,780,000 | $25,850,000 | 194.4% | 0.5% |
| JPMorgan Chase Bank | $35,650,000 | $23,990,000 | -32.7% | 0.5% |
| Flagstar Bank, FSB | $29,700,000 | $22,305,000 | -24.9% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $28,485,000 | $22,215,000 | -22.0% | 0.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $36,000,000 | $21,225,000 | -41.0% | 0.4% |
| Bank of Utah | $25,655,000 | $19,545,000 | -23.8% | 0.4% |
| RANLIFE, INC. | $16,100,000 | $19,490,000 | 21.1% | 0.4% |
| DIRECT MORTGAGE, CORP. | $28,495,000 | $18,735,000 | -34.3% | 0.4% |
| CHARTWAY FEDERAL CREDIT UNION | $9,430,000 | $18,515,000 | 96.3% | 0.4% |
| Mortgage Research Center, LLC | $17,030,000 | $18,215,000 | 7.0% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $9,910,000 | $17,230,000 | 73.9% | 0.3% |
| PHH Mortgage Corporation | $1,960,000 | $16,555,000 | 744.6% | 0.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | $18,870,000 | $15,960,000 | -15.4% | 0.3% |
| AMERICAN ADVISORS GROUP | $5,675,000 | $15,490,000 | 173.0% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $15,305,000 | $14,890,000 | -2.7% | 0.3% |
| Rock Canyon Bank | $15,860,000 | $14,035,000 | -11.5% | 0.3% |
| The Federal Savings Bank | $16,730,000 | $13,620,000 | -18.6% | 0.3% |
| Deseret First Credit Union | $9,360,000 | $13,470,000 | 43.9% | 0.3% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $16,010,000 | $13,290,000 | -17.0% | 0.3% |
| LENDSURE MORTGAGE CORP. | $205,000 | $13,180,000 | 6,329.3% | 0.3% |
| FINANCE OF AMERICA MORTGAGE LLC | $15,155,000 | $13,045,000 | -13.9% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $11,100,000 | $13,020,000 | 17.3% | 0.3% |
| FINANCE OF AMERICA REVERSE LLC | $5,915,000 | $12,945,000 | 118.9% | 0.3% |
| KeyBank | $15,615,000 | $12,645,000 | -19.0% | 0.2% |
| AMWEST FUNDING CORP. | $7,880,000 | $12,085,000 | 53.4% | 0.2% |
| Arbor Realty Trust, Inc. | $11,880,000 | n/a | 0.2% | |
| Goldwater Bank, N.A. | $12,560,000 | $11,810,000 | -6.0% | 0.2% |
| Chicago Mortgage Solutions LLC | $1,410,000 | $11,630,000 | 724.8% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $5,670,000 | $11,395,000 | 101.0% | 0.2% |
| REVERSE MORTGAGE FUNDING LLC | $7,535,000 | $10,860,000 | 44.1% | 0.2% |
| AMERICAN FINANCING CORPORATION | $8,775,000 | $9,795,000 | 11.6% | 0.2% |
| UTAH COMMUNITY | $14,455,000 | $9,440,000 | -34.7% | 0.2% |
| Bank of America | $10,195,000 | $9,410,000 | -7.7% | 0.2% |
| S1L, Inc. | $3,660,000 | $9,215,000 | 151.8% | 0.2% |
| CASTLE & COOKE MORTGAGE, LLC | $7,490,000 | $9,200,000 | 22.8% | 0.2% |
| North American Savings Bank, F.S.B. | $8,220,000 | $9,180,000 | 11.7% | 0.2% |
| EVERETT FINANCIAL, INC. | $40,680,000 | $9,175,000 | -77.4% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $11,870,000 | $8,940,000 | -24.7% | 0.2% |
| Blue Ridge Bank | $7,240,000 | $8,865,000 | 22.4% | 0.2% |
| SECURITY HOME MORTGAGE, LLC. | $16,455,000 | $8,655,000 | -47.4% | 0.2% |
| Washington Federal Bank | $18,365,000 | $8,150,000 | -55.6% | 0.2% |
| Gateway First Bank | $6,970,000 | $7,900,000 | 13.3% | 0.2% |
| Hometown Lenders, Inc. | $8,205,000 | $7,835,000 | -4.5% | 0.2% |
| Strong Home Mortgage, LLC | $6,625,000 | $7,330,000 | 10.6% | 0.1% |
| Citadel Servicing Corporation | $760,000 | $7,295,000 | 859.9% | 0.1% |
| CMG MORTGAGE, INC. | $6,365,000 | $7,110,000 | 11.7% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $1,885,000 | $7,040,000 | 273.5% | 0.1% |
| Low VA Rates, LLC | $5,975,000 | $6,965,000 | 16.6% | 0.1% |
| Morgan Stanley Private Bank | $3,550,000 | $6,870,000 | 93.5% | 0.1% |
| University First Federal Credit Union | $4,955,000 | $6,625,000 | 33.7% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,940,000 | $6,465,000 | 8.8% | 0.1% |
| DHI MORTGAGE COMPANY, LTD. | $275,000 | $6,340,000 | 2,205.5% | 0.1% |
| NBH Bank | $5,505,000 | $6,225,000 | 13.1% | 0.1% |
| Ally Bank | $6,205,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $7,525,000 | $6,165,000 | -18.1% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $620,000 | $6,125,000 | 887.9% | 0.1% |
| FirstBank | $7,205,000 | $6,045,000 | -16.1% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $2,750,000 | $6,045,000 | 119.8% | 0.1% |
| GENEVA FINANCIAL, LLC | $2,800,000 | $6,020,000 | 115.0% | 0.1% |
| NBKC BANK | $4,660,000 | $5,930,000 | 27.3% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $7,925,000 | $5,910,000 | -25.4% | 0.1% |
| CELEBRITY HOME LOANS, LLC | $405,000 | $5,905,000 | 1,358.0% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $1,335,000 | $5,795,000 | 334.1% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,135,000 | $5,705,000 | 167.2% | 0.1% |
| Network Funding, L.P. | $5,125,000 | $5,625,000 | 9.8% | 0.1% |
| Plains Commerce Bank | $820,000 | $5,430,000 | 562.2% | 0.1% |
| First Guaranty Mortgage Corporation | $13,495,000 | $5,185,000 | -61.6% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $550,000 | $4,895,000 | 790.0% | 0.1% |
| AXIA FINANCIAL, LLC | $2,920,000 | $4,580,000 | 56.8% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $5,595,000 | $4,280,000 | -23.5% | 0.1% |
| The Huntington National Bank | $155,000 | $4,165,000 | 2,587.1% | 0.1% |
| UTAH FIRST | $2,100,000 | $4,085,000 | 94.5% | 0.1% |
| Stifel Bank and Trust | $2,580,000 | $4,010,000 | 55.4% | 0.1% |
| PRUDENTIAL MULTIFAMILY MORTGAGE, LLC | $31,210,000 | $3,855,000 | -87.6% | 0.1% |
| CYPRUS Federal Credit Union | $7,125,000 | $3,790,000 | -46.8% | 0.1% |
| SWBC MORTGAGE CORPORATION | $2,770,000 | $3,770,000 | 36.1% | 0.1% |
| Nations Lending Corporation | $3,410,000 | $3,650,000 | 7.0% | 0.1% |
| USAA Federal Savings Bank | $6,785,000 | $3,510,000 | -48.3% | 0.1% |
| Utah Mortgage Loan Corporation | $5,260,000 | $3,400,000 | -35.4% | 0.1% |
| Watermark Capital, Inc. | $1,540,000 | $3,400,000 | 120.8% | 0.1% |
| LOANPAL, LLC | $2,665,000 | $3,195,000 | 19.9% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $765,000 | $3,165,000 | 313.7% | 0.1% |
| PNC Bank | $3,130,000 | $3,150,000 | 0.6% | 0.1% |
| BNY Mellon | $3,005,000 | n/a | 0.1% | |
| UBS Bank USA | $1,830,000 | $3,005,000 | 64.2% | 0.1% |
| KELLER MORTGAGE, LLC | $13,150,000 | $2,950,000 | -77.6% | 0.1% |
| Axos Bank | $4,405,000 | $2,910,000 | -33.9% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,200,000 | $2,855,000 | 137.9% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $630,000 | $2,810,000 | 346.0% | 0.1% |
| ALLIANT CREDIT UNION | $1,405,000 | $2,770,000 | 97.2% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,270,000 | $2,745,000 | 116.1% | 0.1% |
| Truist Bank | $1,105,000 | $2,735,000 | 147.5% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $5,380,000 | $2,655,000 | -50.7% | 0.1% |
| Citibank | $770,000 | $2,645,000 | 243.5% | 0.1% |
| Carrington Mortgage Services, LLC | $3,215,000 | $2,520,000 | -21.6% | 0.0% |
| TCF National Bank | $5,010,000 | $2,420,000 | -51.7% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $2,350,000 | $2,415,000 | 2.8% | 0.0% |
| WALKER & DUNLOP, LLC | $21,675,000 | $2,355,000 | -89.1% | 0.0% |
| Alaska USA Federal Credit Union | $1,105,000 | $2,350,000 | 112.7% | 0.0% |
| Charles Schwab Bank, SSB | $3,985,000 | $2,250,000 | -43.5% | 0.0% |
| OAKTREE FUNDING CORP. | $2,215,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $2,205,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $1,395,000 | $2,185,000 | 56.6% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $3,570,000 | $2,150,000 | -39.8% | 0.0% |
| Utah Power | $560,000 | $2,040,000 | 264.3% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $2,030,000 | n/a | 0.0% | |
| Comerica Bank | $3,140,000 | $2,010,000 | -36.0% | 0.0% |
| NEXERA HOLDING LLC | $2,530,000 | $1,965,000 | -22.3% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,280,000 | $1,965,000 | 53.5% | 0.0% |
| SourceOne Financial, Inc. | $1,925,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $1,920,000 | n/a | 0.0% | |
| DIRECTIONS EQUITY, LLC | $3,660,000 | $1,870,000 | -48.9% | 0.0% |
| Commerce Home Mortgage, Inc. | $910,000 | $1,860,000 | 104.4% | 0.0% |
| Bank of the West | $825,000 | $1,850,000 | 124.2% | 0.0% |
| First Federal Savings Bank of Twin Falls | $1,885,000 | $1,770,000 | -6.1% | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,740,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $1,715,000 | n/a | 0.0% | |
| ADVANTAGE PLUS | $735,000 | $1,695,000 | 130.6% | 0.0% |
| The Loan Store, Inc. | $3,150,000 | $1,690,000 | -46.3% | 0.0% |
| The Bank of Commerce | $1,275,000 | $1,640,000 | 28.6% | 0.0% |
| BLUE BRICK FINANCIAL LLC | $710,000 | $1,620,000 | 128.2% | 0.0% |
| First Internet Bank of Indiana | $415,000 | $1,555,000 | 274.7% | 0.0% |
| Central Bank | $1,505,000 | $1,550,000 | 3.0% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,190,000 | $1,545,000 | 29.8% | 0.0% |
| JMJ FINANCIAL GROUP | $2,170,000 | $1,480,000 | -31.8% | 0.0% |
| First National Bank of America | $950,000 | $1,470,000 | 54.7% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $3,445,000 | $1,465,000 | -57.5% | 0.0% |
| Sunflower Bank | $915,000 | $1,435,000 | 56.8% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,375,000 | $1,305,000 | -5.1% | 0.0% |
| Austin Capital Bank SSB | $195,000 | $1,305,000 | 569.2% | 0.0% |
| NEST HOME LENDING, LLC | $965,000 | $1,300,000 | 34.7% | 0.0% |
| Eagle Bank and Trust Company | $970,000 | $1,275,000 | 31.4% | 0.0% |
| First Federal Bank | $1,070,000 | $1,260,000 | 17.8% | 0.0% |
| Cornerstone First Mortgage, Inc | $300,000 | $1,255,000 | 318.3% | 0.0% |
| BNC National Bank | $1,220,000 | $1,235,000 | 1.2% | 0.0% |
| BOKF | $770,000 | $1,235,000 | 60.4% | 0.0% |
| Quontic Bank | $1,215,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $155,000 | $1,200,000 | 674.2% | 0.0% |
| IMPAC MORTGAGE CORP. | $1,520,000 | $1,190,000 | -21.7% | 0.0% |
| Magnolia Bank | $1,245,000 | $1,180,000 | -5.2% | 0.0% |
| Northpointe Bank | $3,495,000 | $1,165,000 | -66.7% | 0.0% |
| SUMMIT FUNDING, INC. | $1,160,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $735,000 | $1,150,000 | 56.5% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $845,000 | $1,110,000 | 31.4% | 0.0% |
| MANN FINANCIAL INC. | $515,000 | $1,105,000 | 114.6% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $3,175,000 | $1,095,000 | -65.5% | 0.0% |
| Citizens Bank | $1,190,000 | $1,035,000 | -13.0% | 0.0% |
| Florida Capital Bank | $305,000 | $1,015,000 | 232.8% | 0.0% |
| BM Real Estate Services, Inc. | $990,000 | n/a | 0.0% | |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $990,000 | n/a | 0.0% | |
| EVERLEND MORTGAGE COMPANY | $1,430,000 | $985,000 | -31.1% | 0.0% |
| SRE MORTGAGE ALLIANCE INC. | $1,465,000 | $960,000 | -34.5% | 0.0% |
| Amerifirst Financial, Inc. | $2,140,000 | $955,000 | -55.4% | 0.0% |
| MORIA DEVELOPMENT, INC. | $810,000 | $950,000 | 17.3% | 0.0% |
| Manufacturers and Traders Trust Company | $450,000 | $930,000 | 106.7% | 0.0% |
| A&D Mortgage LLC | $1,005,000 | $925,000 | -8.0% | 0.0% |
| SOFI LENDING CORP. | $715,000 | $910,000 | 27.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $1,380,000 | $905,000 | -34.4% | 0.0% |
| EMBRACE HOME LOANS, INC. | $470,000 | $900,000 | 91.5% | 0.0% |
| Evolve Bank & Trust | $755,000 | $860,000 | 13.9% | 0.0% |
| GRANITE FEDERAL CREDIT UNION | $2,260,000 | $860,000 | -61.9% | 0.0% |
| Wasatch Peaks Federal Credit Union | $135,000 | $845,000 | 525.9% | 0.0% |
| Bank of England | $1,515,000 | $825,000 | -45.5% | 0.0% |
| D. L. Evans Bank | $245,000 | $825,000 | 236.7% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $1,250,000 | $820,000 | -34.4% | 0.0% |
| Triumph Bank | $2,930,000 | $815,000 | -72.2% | 0.0% |
| Cf Bank | $1,660,000 | $805,000 | -51.5% | 0.0% |
| Firefighters First Federal Credit Union | $970,000 | $805,000 | -17.0% | 0.0% |
| OPEN MORTGAGE, LLC | $105,000 | $790,000 | 652.4% | 0.0% |
| Mortgage Bank of California | $785,000 | n/a | 0.0% | |
| CUSTOMER SERVICE MORTGAGE CORPORATION | $265,000 | $775,000 | 192.5% | 0.0% |
| EAST IDAHO Credit Union | $775,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $770,000 | n/a | 0.0% | |
| The Northern Trust Company | $625,000 | $755,000 | 20.8% | 0.0% |
| Colonial Savings, F.A. | $390,000 | $750,000 | 92.3% | 0.0% |
| Willamette Valley Bank | $455,000 | $730,000 | 60.4% | 0.0% |
| MORTGAGEONE, INC. | $720,000 | n/a | 0.0% | |
| ALL WESTERN MORTGAGE, INC. | $1,075,000 | $710,000 | -34.0% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,805,000 | $680,000 | -82.1% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $995,000 | $680,000 | -31.7% | 0.0% |
| First Western Trust Bank | $185,000 | $670,000 | 262.2% | 0.0% |
| BMO Harris Bank | $665,000 | n/a | 0.0% | |
| AMCAP MORTGAGE, LTD. | $880,000 | $620,000 | -29.5% | 0.0% |
| First Savings Bank | $1,450,000 | $620,000 | -57.2% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $610,000 | n/a | 0.0% | |
| HomeTrust Bank | $610,000 | n/a | 0.0% | |
| UNITED SECURITY FINANCIAL CORP | $1,625,000 | $610,000 | -62.5% | 0.0% |
| Dollar Bank, Federal Savings Bank | $595,000 | n/a | 0.0% | |
| Discover Bank | $495,000 | $590,000 | 19.2% | 0.0% |
| CITIZENS EQUITY FIRST | $600,000 | $570,000 | -5.0% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $105,000 | $565,000 | 438.1% | 0.0% |
| TRANSWEST CREDIT UNION | $495,000 | $550,000 | 11.1% | 0.0% |
| EVANSVILLE TEACHERS | $545,000 | n/a | 0.0% | |
| Fifth Third Bank | $610,000 | $545,000 | -10.7% | 0.0% |
| HAMILTON HOME LOANS, INC. | $590,000 | $545,000 | -7.6% | 0.0% |
| IDAHO STATE UNIVERSITY | $395,000 | $545,000 | 38.0% | 0.0% |
| Oakstar Bank | $375,000 | $545,000 | 45.3% | 0.0% |
| ONY GLO, INC. | $545,000 | n/a | 0.0% | |
| FOUNDERS FEDERAL CREDIT UNION | $535,000 | n/a | 0.0% | |
| WesBanco Bank, Inc. | $535,000 | n/a | 0.0% | |
| WESTERN EXPRESS LENDING | $535,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,000,000 | $515,000 | -74.3% | 0.0% |
| J. VIRGIL, INC. | $735,000 | $515,000 | -29.9% | 0.0% |
| UNIFY FINANCIAL Credit Union | $95,000 | $510,000 | 436.8% | 0.0% |
| DIRECT LENDERS, LLC | $505,000 | n/a | 0.0% | |
| PARKSIDE LENDING, LLC | $3,550,000 | $505,000 | -85.8% | 0.0% |
| 21ST MORTGAGE CORPORATION | $160,000 | $495,000 | 209.4% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $490,000 | n/a | 0.0% | |
| Jordan Federal Credit Union | $455,000 | $490,000 | 7.7% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $470,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $690,000 | $470,000 | -31.9% | 0.0% |
| AmeriHome Mortgage Company, LLC | $465,000 | n/a | 0.0% | |
| Republic Bank & Trust Company | $465,000 | n/a | 0.0% | |
| DIGNIFIED HOME LOANS, LLC | $650,000 | $455,000 | -30.0% | 0.0% |
| NexBank | $455,000 | n/a | 0.0% | |
| AMERICAN UNITED FAMILY OF CREDIT UN | $585,000 | $450,000 | -23.1% | 0.0% |
| OCMBC, INC. | $435,000 | n/a | 0.0% | |
| Arvest Bank | $605,000 | $425,000 | -29.8% | 0.0% |
| DIGITAL Federal Credit Union | $425,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $425,000 | n/a | 0.0% | |
| CapStar Bank | $415,000 | n/a | 0.0% | |
| Umpqua Bank | $1,540,000 | $405,000 | -73.7% | 0.0% |
| COMMUNITYAMERICA | $395,000 | n/a | 0.0% | |
| KS StateBank | $1,680,000 | $395,000 | -76.5% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $1,265,000 | $395,000 | -68.8% | 0.0% |
| The Central Trust Bank | $105,000 | $395,000 | 276.2% | 0.0% |
| Alpine Credit Union | $195,000 | $390,000 | 100.0% | 0.0% |
| Hometown Equity Mortgage, LLC | $285,000 | $390,000 | 36.8% | 0.0% |
| Waterstone Mortgage Corporation | $385,000 | n/a | 0.0% | |
| HighTechLending Inc | $360,000 | $380,000 | 5.6% | 0.0% |
| FINANCE OF AMERICA COMMERCIAL LLC | $365,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $660,000 | $365,000 | -44.7% | 0.0% |
| Capital Bank | $640,000 | $355,000 | -44.5% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $245,000 | $355,000 | 44.9% | 0.0% |
| IDAHO CENTRAL | $840,000 | $355,000 | -57.7% | 0.0% |
| MIDWEST LOAN SOLUTIONS, INC. | $345,000 | n/a | 0.0% | |
| NUMERICA CREDIT UNION | $345,000 | n/a | 0.0% | |
| The Union Bank Company | $385,000 | $345,000 | -10.4% | 0.0% |
| First Federal Bank of Kansas City | $1,145,000 | $335,000 | -70.7% | 0.0% |
| Ixonia Bank | $325,000 | n/a | 0.0% | |
| NuVision Federal Credit Union | $325,000 | n/a | 0.0% | |
| Simmons Bank | $325,000 | n/a | 0.0% | |
| First Interstate Bank | $1,490,000 | $315,000 | -78.9% | 0.0% |
| PARSONS Federal Credit Union | $315,000 | n/a | 0.0% | |
| West Gate Bank | $700,000 | $315,000 | -55.0% | 0.0% |
| Farmers & Stockmens Bank | $225,000 | $305,000 | 35.6% | 0.0% |
| First Home Bank | $795,000 | $305,000 | -61.6% | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | $275,000 | $255,000 | -7.3% | 0.0% |
| The State Bank | $255,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $255,000 | $255,000 | 0.0% | 0.0% |
| ZILLOW HOME LOANS, LLC | $255,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $245,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $2,115,000 | $245,000 | -88.4% | 0.0% |
| Bank Iowa | $235,000 | n/a | 0.0% | |
| BLUELEAF LENDING, LLC | $235,000 | n/a | 0.0% | |
| Renasant Bank | $975,000 | $225,000 | -76.9% | 0.0% |
| ATHAS CAPITAL GROUP, INC. | $850,000 | $215,000 | -74.7% | 0.0% |
| Baxter Credit Union | $235,000 | $215,000 | -8.5% | 0.0% |
| RMS & Associates | $195,000 | $195,000 | 0.0% | 0.0% |
| Grand Valley Bank | $275,000 | $155,000 | -43.6% | 0.0% |
| First Western Federal Savings Bank | $135,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $105,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $105,000 | $75,000 | -28.6% | 0.0% |
| Bethpage Federal Credit Union | $15,000 | n/a | 0.0% |
ST. GEORGE's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 9.1% market share. In second place, with 6.1%, is FIRST COLONY MORTGAGE CORPORATION, having originated $311,690,000 in loans. In third place, with 5.6%, is MOUNTAIN AMERICA, having originated $282,660,000 in loans. In third place, with 5.4%, is SUN AMERICAN MORTGAGE COMPANY, having originated $272,705,000 in loans. In third place, with 5.1%, is Zions Bancorporation, N.A., having originated $257,395,000 in loans.
ST. GEORGE, UT Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 5,806 | $1,630,140,000 | $280,768 |
| Home Purchase | 5,493 | $2,065,735,000 | $376,067 |
| Cash Out Refi | 3,478 | $1,109,200,000 | $318,919 |
| Home Improvement | 1,044 | $131,970,000 | $126,408 |
| Other | 769 | $148,445,000 | $193,036 |
St. George's most frequently cited loan purpose was Refi, with 5,806 originations. The 2nd most popular reason was Home Purchase, with 5,493 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 6,190 | $1,976,960,000 | $319,380 |
| 2.5-3% | 6,148 | $2,030,200,000 | $330,221 |
| <2.5% | 2,978 | $864,460,000 | $290,282 |
| 4-5% | 845 | $150,955,000 | $178,645 |
| 5-6% | 246 | $27,820,000 | $113,089 |
| 6-7% | 57 | $8,395,000 | $147,281 |
| Over 8% | 45 | $4,535,000 | $100,778 |
| 7-8% | 31 | $3,985,000 | $128,548 |
During 2021, St. George's most frequently originated rate bucket was 3-4%, with 6,190 originations.
Loan Sizing (ST. GEORGE, UT MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 8,264 | $2,411,300,000 | $291,784 |
| $400k-600k | 3,162 | $1,508,490,000 | $477,068 |
| $100k-200k | 2,979 | $458,635,000 | $153,956 |
| $100,000 or less | 1,504 | $83,360,000 | $55,426 |
| $600k-1000k | 525 | $393,405,000 | $749,343 |
| $Over $1MM | 156 | $230,300,000 | $1,476,282 |
ST. GEORGE's loan sizing saw the bucket of loans from $200k-400k with 8,264 originations, totaling $2,411,300,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 5,565 | $2,056,045,000 | $369,460 |
| 40-60% | 3,704 | $1,066,960,000 | $288,056 |
| 80-100% | 3,511 | $1,359,165,000 | $387,116 |
| 20-40% | 1,918 | $376,100,000 | $196,090 |
| Under 20% | 1,471 | $99,555,000 | $67,678 |
| Over 100% | 63 | $27,845,000 | $441,984 |
ST. GEORGE's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 5,565 originations, totaling $2,056,045,000 in origination value.
Market Conditions (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 | $367,400 (5.9%) | $479,578 (0.0%) | 0.00 | 1,253 |
| 2018-02-01 | $379,450 (8.5%) | $502,811 (3.9%) | 0.00 | 1,370 |
| 2018-03-01 | $379,900 (8.6%) | $500,815 (4.0%) | 0.00 | 1,373 |
| 2018-04-01 | $392,450 (9.0%) | $523,428 (9.1%) | 0.00 | 1,293 |
| 2018-05-01 | $399,450 (5.6%) | $521,663 (6.7%) | 0.00 | 1,242 |
| 2018-06-01 | $395,000 (4.7%) | $506,474 (5.3%) | 0.00 | 1,277 |
| 2018-07-01 | $389,900 (5.4%) | $507,437 (6.7%) | 0.00 | 1,287 |
| 2018-08-01 | $394,384 (6.6%) | $493,235 (3.4%) | 0.00 | 1,333 |
| 2018-09-01 | $384,900 (4.1%) | $488,426 (2.9%) | 0.00 | 1,450 |
| 2018-10-01 | $379,900 (5.7%) | $471,673 (0.6%) | 0.00 | 1,573 |
| 2018-11-01 | $377,000 (5.6%) | $461,558 (-1.8%) | 0.00 | 1,641 |
| 2018-12-01 | $379,900 (4.1%) | $458,946 (-4.2%) | 0.00 | 1,548 |
| 2019-01-01 | $381,234 (3.8%) | $465,630 (-2.9%) | 0.00 | 1,520 |
| 2019-02-01 | $394,450 (4.0%) | $478,165 (-4.9%) | 0.00 | 1,721 |
| 2019-03-01 | $399,628 (5.2%) | $484,992 (-3.2%) | 0.00 | 1,779 |
| 2019-04-01 | $399,628 (1.8%) | $481,137 (-8.1%) | 0.00 | 1,745 |
| 2019-05-01 | $400,173 (0.2%) | $488,267 (-6.4%) | 0.00 | 1,596 |
| 2019-06-01 | $409,777 (3.7%) | $490,458 (-3.2%) | 0.00 | 1,566 |
| 2019-07-01 | $415,500 (6.6%) | $490,250 (-3.4%) | 0.00 | 1,489 |
| 2019-08-01 | $411,329 (4.3%) | $488,419 (-1.0%) | 0.00 | 1,516 |
| 2019-09-01 | $401,329 (4.3%) | $488,337 (0.0%) | 0.00 | 1,569 |
| 2019-10-01 | $412,250 (8.5%) | $498,725 (5.7%) | 0.00 | 1,672 |
| 2019-11-01 | $420,900 (11.6%) | $515,743 (11.7%) | 0.00 | 1,539 |
| 2019-12-01 | $437,400 (15.1%) | $524,180 (14.2%) | 0.00 | 1,450 |
| 2020-01-01 | $434,900 (14.1%) | $526,741 (13.1%) | 0.00 | 1,440 |
| 2020-02-01 | $439,000 (11.3%) | $539,606 (12.9%) | 0.00 | 1,511 |
| 2020-03-01 | $445,450 (11.5%) | $550,220 (13.5%) | 0.00 | 1,528 |
| 2020-04-01 | $449,900 (12.6%) | $543,839 (13.0%) | 0.00 | 1,670 |
| 2020-05-01 | $449,900 (12.4%) | $551,272 (12.9%) | 0.00 | 1,499 |
| 2020-06-01 | $452,400 (10.4%) | $559,123 (14.0%) | 0.00 | 1,200 |
| 2020-07-01 | $460,445 (10.8%) | $580,217 (18.4%) | 0.00 | 967 |
| 2020-08-01 | $462,000 (12.3%) | $598,971 (22.6%) | 0.00 | 777 |
| 2020-09-01 | $479,900 (19.6%) | $630,849 (29.2%) | 0.00 | 735 |
| 2020-10-01 | $511,900 (24.2%) | $683,444 (37.0%) | 0.00 | 612 |
| 2020-11-01 | $536,950 (27.6%) | $725,801 (40.7%) | 0.00 | 535 |
| 2020-12-01 | $539,900 (23.4%) | $741,284 (41.4%) | 0.00 | 479 |
| 2021-01-01 | $550,000 (26.5%) | $810,140 (53.8%) | 0.00 | 362 |
| 2021-02-01 | $602,000 (37.1%) | $857,710 (59.0%) | 0.00 | 326 |
| 2021-03-01 | $607,450 (36.4%) | $856,243 (55.6%) | 0.00 | 296 |
| 2021-04-01 | $649,950 (44.5%) | $883,576 (62.5%) | 0.00 | 302 |
| 2021-05-01 | $650,000 (44.5%) | $868,897 (57.6%) | 0.00 | 373 |
| 2021-06-01 | $649,450 (43.6%) | $1,157,097 (107.0%) | 0.00 | 497 |
| 2021-07-01 | $649,950 (41.2%) | $1,119,033 (92.9%) | 0.00 | 608 |
| 2021-08-01 | $635,750 (37.6%) | $1,050,020 (75.3%) | 0.00 | 698 |
| 2021-09-01 | $637,950 (32.9%) | $1,034,563 (64.0%) | 0.00 | 832 |
| 2021-10-01 | $636,900 (24.4%) | $1,022,692 (49.6%) | 0.00 | 877 |
| 2021-11-01 | $644,389 (20.0%) | $1,064,661 (46.7%) | 0.00 | 753 |
| 2021-12-01 | $668,500 (23.8%) | $1,153,546 (55.6%) | 0.00 | 626 |
| 2022-01-01 | $725,000 (31.8%) | $1,285,092 (58.6%) | 0.00 | 491 |
| 2022-02-01 | $765,250 (27.1%) | $1,338,360 (56.0%) | 0.00 | 444 |
| 2022-03-01 | $800,000 (31.7%) | $1,309,624 (53.0%) | 0.00 | 527 |
| 2022-04-01 | $770,000 (18.5%) | $962,776 (9.0%) | 0.00 | 565 |
ST. GEORGE's median listing price for 2022-04-01 was $770,000, a difference of
$120,050
(18.5%) versus the prior year and
$-30,000 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 2022-04-01 was $962,776, a difference of $79,200 (9.0%) versus the prior year and $-346,848 versus the prior month.
For the 2022-04-01 period, ST. GEORGE had 565 MLS listings, a difference of 38 listings (7%) versus the prior month and 263 listings (87%) 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 2022-04-01 was $962,776, a difference of $79,200 (9.0%) versus the prior year and $-346,848 versus the prior month.
For the 2022-04-01 period, ST. GEORGE had 565 MLS listings, a difference of 38 listings (7%) versus the prior month and 263 listings (87%) 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 | 2,276 sqft |
| 2018-02-01 | 0 days | 2,313 sqft |
| 2018-03-01 | 0 days | 2,297 sqft |
| 2018-04-01 | 0 days | 2,336 sqft |
| 2018-05-01 | 0 days | 2,338 sqft |
| 2018-06-01 | 0 days | 2,293 sqft |
| 2018-07-01 | 0 days | 2,275 sqft |
| 2018-08-01 | 0 days | 2,274 sqft |
| 2018-09-01 | 0 days | 2,268 sqft |
| 2018-10-01 | 0 days | 2,234 sqft |
| 2018-11-01 | 0 days | 2,177 sqft |
| 2018-12-01 | 0 days | 2,174 sqft |
| 2019-01-01 | 0 days | 2,168 sqft |
| 2019-02-01 | 0 days | 2,191 sqft |
| 2019-03-01 | 0 days | 2,249 sqft |
| 2019-04-01 | 0 days | 2,250 sqft |
| 2019-05-01 | 0 days | 2,261 sqft |
| 2019-06-01 | 0 days | 2,220 sqft |
| 2019-07-01 | 0 days | 2,219 sqft |
| 2019-08-01 | 0 days | 2,228 sqft |
| 2019-09-01 | 0 days | 2,210 sqft |
| 2019-10-01 | 0 days | 2,235 sqft |
| 2019-11-01 | 0 days | 2,306 sqft |
| 2019-12-01 | 0 days | 2,343 sqft |
| 2020-01-01 | 0 days | 2,306 sqft |
| 2020-02-01 | 0 days | 2,302 sqft |
| 2020-03-01 | 0 days | 2,311 sqft |
| 2020-04-01 | 0 days | 2,311 sqft |
| 2020-05-01 | 0 days | 2,337 sqft |
| 2020-06-01 | 0 days | 2,348 sqft |
| 2020-07-01 | 0 days | 2,349 sqft |
| 2020-08-01 | 0 days | 2,358 sqft |
| 2020-09-01 | 0 days | 2,415 sqft |
| 2020-10-01 | 0 days | 2,518 sqft |
| 2020-11-01 | 0 days | 2,542 sqft |
| 2020-12-01 | 0 days | 2,511 sqft |
| 2021-01-01 | 0 days | 2,574 sqft |
| 2021-02-01 | 0 days | 2,560 sqft |
| 2021-03-01 | 0 days | 2,524 sqft |
| 2021-04-01 | 0 days | 2,595 sqft |
| 2021-05-01 | 0 days | 2,569 sqft |
| 2021-06-01 | 0 days | 2,538 sqft |
| 2021-07-01 | 0 days | 2,474 sqft |
| 2021-08-01 | 0 days | 2,305 sqft |
| 2021-09-01 | 0 days | 2,333 sqft |
| 2021-10-01 | 0 days | 2,348 sqft |
| 2021-11-01 | 0 days | 2,422 sqft |
| 2021-12-01 | 0 days | 2,513 sqft |
| 2022-01-01 | 0 days | 2,601 sqft |
| 2022-02-01 | 0 days | 2,584 sqft |
| 2022-03-01 | 0 days | 2,581 sqft |
| 2022-04-01 | 0 days | 2,488 sqft |
ST. GEORGE's median listing age (time on market) for 2022-04-01 was 0 days.
ST. GEORGE's median square footage for active listings during the 2022-04-01 period was 2,488 sqft. One year prior, the average listing was 2,595 sqft.
ST. GEORGE's median square footage for active listings during the 2022-04-01 period was 2,488 sqft. One year prior, the average listing was 2,595 sqft.
