Utah Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Utah averaged
6.48%
for the week of 2025-02-13, compared to the national average of
6.87% for the same period.
The average rate for the prior week (2025-02-06) was
6.8% and
one month ago for the week of 2025-01-09, the
average rate was 6.74%.
Utah's average rate one year ago was 6.65%.
For refis of the same type during the week of 2025-02-13, the average rate
was 7.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-02-13 | 6.87% |
| Utah 30 Year Fixed Rate | 2025-02-13 | 6.48% |
| Utah 30 Year Fixed Rate Refi | 2025-02-13 | 7.41% |
| Utah 15 Year Fixed Rate | 2025-02-13 | 6.38% |
| Utah 15 Year Fixed Rate Refi | 2025-02-13 | 6.76% |
| Utah 30 Year FHA | 2025-02-13 | 6.08% |
| Utah 30 Year FHA Refi | 2025-02-13 | 6.22% |
| Utah 30 Year USDA | 2025-02-13 | 5.67% |
| Utah 30 Year USDA Refi | 2025-02-13 | 6.53% |
| Utah 30 Year VA | 2025-02-13 | 6.22% |
| Utah 30 Year VA Refi | 2025-02-13 | 6.33% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Utah.
Utah 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 Utah 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.).
Utah Average Closing Costs & Other Stats
Utah's 340 lenders originated 81,063
loans during 2023. The total origination value was $26,392,545,000, with an average loan value of
$325,581.
Utah's average closing costs are $5,879.
The top Utah lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
4,720 loans originated. Their average total fees are
$8,063, which is $1,766
lower than the next largest lender,
FIRST COLONY MORTGAGE CORPORATION.
The lowest fee Utah lenders (with over 10 loans originated) are
Discover Bank ($0), CHERRY CREEK MORTGAGE, LLC ($838), HOMEAMERICAN MORTGAGE CORPORATION ($1,708), PREMIA MORTGAGE, LLC ($2,329) and DHI MORTGAGE COMPANY, LTD. ($2,799).
The lowest rate Utah lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.20%), Raymond James Bank (5.34%), Citibank (5.50%), First-Citizens Bank & Trust Company (5.51%) and Utah Power (5.57%).
Utah Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $4,286,760,000 | $3,284,120,000 | -23.4% | 12.4% |
| AMERICA FIRST | $2,146,610,000 | $1,484,200,000 | -30.9% | 5.6% |
| MOUNTAIN AMERICA | $2,625,375,000 | $1,291,125,000 | -50.8% | 4.9% |
| INTERCAP LENDING INC. | $1,946,310,000 | $1,284,520,000 | -34.0% | 4.9% |
| FIRST COLONY MORTGAGE CORPORATION | $1,552,345,000 | $1,003,475,000 | -35.4% | 3.8% |
| QUICKEN LOANS, LLC | $1,582,315,000 | $947,580,000 | -40.1% | 3.6% |
| Zions Bank | $1,891,240,000 | $848,155,000 | -55.2% | 3.2% |
| ACADEMY MORTGAGE CORPORATION | $1,075,790,000 | $701,255,000 | -34.8% | 2.7% |
| DHI MORTGAGE COMPANY, LTD. | $491,475,000 | $566,355,000 | 15.2% | 2.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,113,835,000 | $516,885,000 | -53.6% | 2.0% |
| SECURITY SERVICE | $560,585,000 | $465,760,000 | -16.9% | 1.8% |
| U.S. Bank | $628,535,000 | $389,425,000 | -38.0% | 1.5% |
| GOLDENWEST | $763,310,000 | $383,565,000 | -49.7% | 1.5% |
| GUILD MORTGAGE COMPANY | $483,355,000 | $364,385,000 | -24.6% | 1.4% |
| MY MOVE MORTGAGE, LLC | $429,345,000 | $359,070,000 | -16.4% | 1.4% |
| Wells Fargo Bank | $879,370,000 | $335,175,000 | -61.9% | 1.3% |
| UTAH COMMUNITY | $468,795,000 | $331,590,000 | -29.3% | 1.3% |
| Bank of Utah | $250,820,000 | $283,640,000 | 13.1% | 1.1% |
| JPMorgan Chase Bank | $497,830,000 | $277,625,000 | -44.2% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $389,405,000 | $255,990,000 | -34.3% | 1.0% |
| WALKER & DUNLOP, LLC | $126,015,000 | $245,685,000 | 95.0% | 0.9% |
| SECURITY HOME MORTGAGE, LLC. | $393,355,000 | $244,175,000 | -37.9% | 0.9% |
| CITYWIDE HOME LOANS, LLC | $538,145,000 | $241,415,000 | -55.1% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $354,190,000 | $225,620,000 | -36.3% | 0.9% |
| Citibank | $190,240,000 | $217,165,000 | 14.2% | 0.8% |
| CARDINAL FINANCIAL | $423,385,000 | $210,800,000 | -50.2% | 0.8% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $43,860,000 | $198,705,000 | 353.0% | 0.8% |
| Century Mortgage Company DBA Century Lending Company | $90,295,000 | $196,750,000 | 117.9% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $283,885,000 | $195,705,000 | -31.1% | 0.7% |
| NEWREZ LLC | $99,125,000 | $172,795,000 | 74.3% | 0.7% |
| Cache Valley Bank | $244,060,000 | $168,620,000 | -30.9% | 0.6% |
| University First Federal Credit Union | $242,955,000 | $167,510,000 | -31.1% | 0.6% |
| RANLIFE, INC. | $270,010,000 | $166,480,000 | -38.3% | 0.6% |
| EAGLE HOME MORTGAGE, LLC | $128,210,000 | $165,840,000 | 29.4% | 0.6% |
| BERKADIA COMMERCIAL MORTGAGE LLC | $527,305,000 | $160,430,000 | -69.6% | 0.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $227,745,000 | $154,245,000 | -32.3% | 0.6% |
| CBRE MULTIFAMILY CAPITAL, INC. | $151,640,000 | $154,235,000 | 1.7% | 0.6% |
| VERITAS FUNDING, LLC | $301,795,000 | $151,295,000 | -49.9% | 0.6% |
| CYPRUS Federal Credit Union | $322,195,000 | $146,310,000 | -54.6% | 0.6% |
| BROKER SOLUTIONS, INC. | $276,615,000 | $146,190,000 | -47.2% | 0.6% |
| Bank of America | $302,115,000 | $141,855,000 | -53.0% | 0.5% |
| State Bank of Southern Utah | $215,475,000 | $138,975,000 | -35.5% | 0.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $233,435,000 | $135,750,000 | -41.8% | 0.5% |
| Morgan Stanley Private Bank | $217,595,000 | $135,155,000 | -37.9% | 0.5% |
| KeyBank | $706,720,000 | $134,595,000 | -81.0% | 0.5% |
| Plains Commerce Bank | $86,585,000 | $130,855,000 | 51.1% | 0.5% |
| Glacier Bank | $282,570,000 | $127,010,000 | -55.1% | 0.5% |
| SUN AMERICAN MORTGAGE COMPANY | $229,560,000 | $126,370,000 | -45.0% | 0.5% |
| AMWEST FUNDING CORP. | $129,900,000 | $120,885,000 | -6.9% | 0.5% |
| M&T Realty Capital Corporation | $44,030,000 | $120,240,000 | 173.1% | 0.5% |
| Washington Federal Bank | $384,050,000 | $119,080,000 | -69.0% | 0.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $195,175,000 | $114,600,000 | -41.3% | 0.4% |
| CASTLE & COOKE MORTGAGE, LLC | $185,580,000 | $112,895,000 | -39.2% | 0.4% |
| HOMEAMERICAN MORTGAGE CORPORATION | $161,465,000 | $110,445,000 | -31.6% | 0.4% |
| DIRECT MORTGAGE, CORP. | $269,085,000 | $110,015,000 | -59.1% | 0.4% |
| GUARANTEED RATE, INC. | $186,920,000 | $109,410,000 | -41.5% | 0.4% |
| UTAH FIRST | $173,740,000 | $105,370,000 | -39.4% | 0.4% |
| CANOPY MORTGAGE, LLC | $264,745,000 | $99,420,000 | -62.4% | 0.4% |
| Mortgage Research Center, LLC | $120,225,000 | $94,975,000 | -21.0% | 0.4% |
| Central Bank | $88,975,000 | $93,915,000 | 5.6% | 0.4% |
| The Huntington National Bank | $71,685,000 | $87,510,000 | 22.1% | 0.3% |
| NBH Bank | $236,220,000 | $86,585,000 | -63.3% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $66,085,000 | $79,790,000 | 20.7% | 0.3% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $78,375,000 | n/a | 0.3% | |
| LOANDEPOT.COM, LLC | $454,560,000 | $76,850,000 | -83.1% | 0.3% |
| Deseret First Credit Union | $214,230,000 | $75,655,000 | -64.7% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $2,145,000 | $75,325,000 | 3,411.7% | 0.3% |
| Northpointe Bank | $82,190,000 | $71,125,000 | -13.5% | 0.3% |
| Sierra Pacific Mortgage Company, Inc. | $127,235,000 | $70,380,000 | -44.7% | 0.3% |
| UBS Bank USA | $119,835,000 | $69,735,000 | -41.8% | 0.3% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $69,295,000 | $66,420,000 | -4.1% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $9,660,000 | $64,750,000 | 570.3% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $64,185,000 | n/a | 0.2% | |
| CMG MORTGAGE, INC. | $86,590,000 | $63,920,000 | -26.2% | 0.2% |
| BELEM SERVICING LLC | $121,490,000 | $63,075,000 | -48.1% | 0.2% |
| NATIONS RELIABLE LENDING, LLC | $610,000 | $62,830,000 | 10,200.0% | 0.2% |
| Flagstar Bank, FSB | $176,405,000 | $62,800,000 | -64.4% | 0.2% |
| The Loan Store, Inc. | $2,240,000 | $62,635,000 | 2,696.2% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $74,255,000 | $62,475,000 | -15.9% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $228,855,000 | $60,380,000 | -73.6% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $90,990,000 | $60,270,000 | -33.8% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $232,190,000 | $59,685,000 | -74.3% | 0.2% |
| BMO Harris Bank | $24,890,000 | $59,525,000 | 139.2% | 0.2% |
| CHARTWAY FEDERAL CREDIT UNION | $51,675,000 | $59,200,000 | 14.6% | 0.2% |
| Citadel Servicing Corporation | $53,490,000 | $50,375,000 | -5.8% | 0.2% |
| NEST HOME LENDING, LLC | $100,035,000 | $50,150,000 | -49.9% | 0.2% |
| Regions Bank | $2,160,000 | $49,760,000 | 2,203.7% | 0.2% |
| First National Bank of Omaha | $1,280,000 | $49,155,000 | 3,740.2% | 0.2% |
| INSPIRE HOME LOANS INC. | $102,275,000 | $48,730,000 | -52.4% | 0.2% |
| PNC Bank | $187,015,000 | $47,730,000 | -74.5% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $114,030,000 | $47,720,000 | -58.2% | 0.2% |
| Goldman Sachs Bank USA | $36,980,000 | $47,530,000 | 28.5% | 0.2% |
| UMB Bank | $15,260,000 | $46,530,000 | 204.9% | 0.2% |
| NEXERA HOLDING LLC | $38,400,000 | $44,500,000 | 15.9% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $135,380,000 | $42,160,000 | -68.9% | 0.2% |
| LENDSURE MORTGAGE CORP. | $112,145,000 | $41,955,000 | -62.6% | 0.2% |
| BAY EQUITY LLC | $90,300,000 | $41,490,000 | -54.1% | 0.2% |
| Discover Bank | $27,350,000 | $39,995,000 | 46.2% | 0.2% |
| HomeStreet Bank | $65,560,000 | $39,905,000 | -39.1% | 0.2% |
| GRANITE FEDERAL CREDIT UNION | $117,565,000 | $39,840,000 | -66.1% | 0.2% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $39,595,000 | n/a | 0.2% | |
| Merchants Bank of Indiana | $2,385,000 | $38,290,000 | 1,505.5% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $57,070,000 | $37,595,000 | -34.1% | 0.1% |
| The Federal Savings Bank | $57,330,000 | $36,880,000 | -35.7% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $80,385,000 | $36,250,000 | -54.9% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $99,750,000 | $36,235,000 | -63.7% | 0.1% |
| AXIA FINANCIAL, LLC | $46,690,000 | $35,780,000 | -23.4% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $29,480,000 | $35,405,000 | 20.1% | 0.1% |
| MidFirst Bank | $17,530,000 | $33,555,000 | 91.4% | 0.1% |
| NBKC BANK | $54,715,000 | $33,250,000 | -39.2% | 0.1% |
| S1L, Inc. | $75,720,000 | $33,145,000 | -56.2% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $292,380,000 | $32,890,000 | -88.8% | 0.1% |
| Charles Schwab Bank, SSB | $88,240,000 | $32,090,000 | -63.6% | 0.1% |
| Utah Power | $41,635,000 | $31,505,000 | -24.3% | 0.1% |
| SWBC MORTGAGE CORPORATION | $57,790,000 | $30,845,000 | -46.6% | 0.1% |
| Network Funding, L.P. | $156,780,000 | $30,655,000 | -80.4% | 0.1% |
| PHH Mortgage Corporation | $128,815,000 | $30,445,000 | -76.4% | 0.1% |
| Utah Mortgage Loan Corporation | $93,345,000 | $30,395,000 | -67.4% | 0.1% |
| UNION HOME MORTGAGE CORP. | $28,830,000 | $30,225,000 | 4.8% | 0.1% |
| Prudential Huntoon Paige Associates, LLC | $111,775,000 | $30,200,000 | -73.0% | 0.1% |
| Cedar Rapids Bank and Trust Company | $21,640,000 | $30,005,000 | 38.7% | 0.1% |
| OCMBC, INC. | $18,415,000 | $28,315,000 | 53.8% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $26,610,000 | $27,890,000 | 4.8% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $2,420,000 | $26,790,000 | 1,007.0% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $57,965,000 | $26,150,000 | -54.9% | 0.1% |
| ORIX REAL ESTATE CAPITAL, LLC | $17,095,000 | $25,950,000 | 51.8% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $30,015,000 | $24,515,000 | -18.3% | 0.1% |
| First-Citizens Bank & Trust Company | $8,135,000 | $24,455,000 | 200.6% | 0.1% |
| USAA Federal Savings Bank | $34,675,000 | $24,400,000 | -29.6% | 0.1% |
| GREYSTONE SERVICING COMPANY LLC | $93,615,000 | $24,225,000 | -74.1% | 0.1% |
| ON Q FINANCIAL, INC. | $22,470,000 | n/a | 0.1% | |
| Figure Lending LLC | $580,000 | $21,715,000 | 3,644.0% | 0.1% |
| Raymond James Bank | $28,040,000 | $21,400,000 | -23.7% | 0.1% |
| ARC HOME LLC | $5,165,000 | $21,305,000 | 312.5% | 0.1% |
| CLM MORTGAGE, INC | $21,010,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $39,575,000 | $20,960,000 | -47.0% | 0.1% |
| EVERETT FINANCIAL, INC. | $123,625,000 | $19,835,000 | -84.0% | 0.1% |
| AMERICAN UNITED FAMILY OF CREDIT UN | $24,695,000 | $19,155,000 | -22.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $18,300,000 | $18,945,000 | 3.5% | 0.1% |
| Ameris Bank | $3,590,000 | $18,680,000 | 420.3% | 0.1% |
| PGIM Real Estate Finance, LLC | $42,335,000 | $18,505,000 | -56.3% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $164,475,000 | $18,380,000 | -88.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $80,435,000 | $18,285,000 | -77.3% | 0.1% |
| ALLIANT CREDIT UNION | $24,355,000 | $17,090,000 | -29.8% | 0.1% |
| Stifel Bank and Trust | $21,850,000 | $16,950,000 | -22.4% | 0.1% |
| Wasatch Peaks Federal Credit Union | $51,850,000 | $16,775,000 | -67.6% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $69,385,000 | $16,760,000 | -75.8% | 0.1% |
| Commerce Home Mortgage, Inc. | $28,170,000 | $16,265,000 | -42.3% | 0.1% |
| BNY Mellon | $25,135,000 | $16,170,000 | -35.7% | 0.1% |
| HomeTrust Bank | $8,270,000 | $15,805,000 | 91.1% | 0.1% |
| GENEVA FINANCIAL, LLC | $8,470,000 | $15,475,000 | 82.7% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $35,380,000 | $14,875,000 | -58.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $45,540,000 | $14,755,000 | -67.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $9,820,000 | $14,650,000 | 49.2% | 0.1% |
| WEBER STATE FEDERAL CREDIT UNION | $34,300,000 | $14,175,000 | -58.7% | 0.1% |
| City National Bank | $36,950,000 | $14,040,000 | -62.0% | 0.1% |
| Coastal Community Bank | $13,975,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $23,395,000 | $13,965,000 | -40.3% | 0.1% |
| NexBank | $5,450,000 | $13,175,000 | 141.7% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $21,085,000 | $13,065,000 | -38.0% | 0.0% |
| Cornerstone First Mortgage, Inc | $2,560,000 | $13,045,000 | 409.6% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $13,030,000 | n/a | 0.0% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $24,945,000 | $12,920,000 | -48.2% | 0.0% |
| First Republic Bank | $258,420,000 | $12,875,000 | -95.0% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $11,155,000 | $12,780,000 | 14.6% | 0.0% |
| Equity Prime Mortgage LLC | $12,070,000 | $12,665,000 | 4.9% | 0.0% |
| AMERICAN FINANCING CORPORATION | $70,060,000 | $12,565,000 | -82.1% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $60,510,000 | $12,265,000 | -79.7% | 0.0% |
| Citizens Bank | $13,950,000 | $12,140,000 | -13.0% | 0.0% |
| Bank of England | $13,740,000 | $11,770,000 | -14.3% | 0.0% |
| TBI MORTGAGE COMPANY | $29,765,000 | $11,765,000 | -60.5% | 0.0% |
| SourceOne Financial, Inc. | $22,440,000 | $11,760,000 | -47.6% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $60,455,000 | $11,560,000 | -80.9% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $22,060,000 | $11,295,000 | -48.8% | 0.0% |
| KINECTA | $8,010,000 | $11,105,000 | 38.6% | 0.0% |
| Baxter Credit Union | $12,545,000 | $10,935,000 | -12.8% | 0.0% |
| The Northern Trust Company | $26,995,000 | $10,890,000 | -59.7% | 0.0% |
| PLANET HOME LENDING, LLC | $8,350,000 | $10,530,000 | 26.1% | 0.0% |
| Arbor Realty Trust, Inc. | $47,715,000 | $9,740,000 | -79.6% | 0.0% |
| Truist | $32,620,000 | $9,735,000 | -70.2% | 0.0% |
| PREMIA MORTGAGE, LLC | $7,085,000 | $9,425,000 | 33.0% | 0.0% |
| NP, Inc. | $165,000 | $9,220,000 | 5,487.9% | 0.0% |
| ADVANCIAL | $6,885,000 | $9,205,000 | 33.7% | 0.0% |
| First Savings Bank | $6,695,000 | $9,115,000 | 36.1% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $6,920,000 | $8,990,000 | 29.9% | 0.0% |
| CRESCENT MORTGAGE COMPANY | $18,170,000 | $8,870,000 | -51.2% | 0.0% |
| LOANPAL, LLC | $64,515,000 | $8,705,000 | -86.5% | 0.0% |
| MORIA DEVELOPMENT, INC. | $16,430,000 | $8,690,000 | -47.1% | 0.0% |
| Ally Bank | $39,025,000 | $8,495,000 | -78.2% | 0.0% |
| CHEVRON | $13,250,000 | $8,455,000 | -36.2% | 0.0% |
| LIMA ONE CAPITAL, LLC | $1,615,000 | $8,325,000 | 415.5% | 0.0% |
| Commerce Bank | $905,000 | $8,235,000 | 809.9% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $8,185,000 | $8,135,000 | -0.6% | 0.0% |
| Alpine Credit Union | $14,535,000 | $7,945,000 | -45.3% | 0.0% |
| Hometown Equity Mortgage, LLC | $7,360,000 | $7,900,000 | 7.3% | 0.0% |
| D. L. Evans Bank | $22,875,000 | $7,810,000 | -65.9% | 0.0% |
| M&T Bank | $13,355,000 | $7,770,000 | -41.8% | 0.0% |
| MORTGAGEONE, INC. | $9,930,000 | $7,720,000 | -22.3% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $54,180,000 | $7,705,000 | -85.8% | 0.0% |
| FUNDLOANS CAPITAL | $1,205,000 | $7,205,000 | 497.9% | 0.0% |
| River City Bank | $6,805,000 | n/a | 0.0% | |
| BOKF | $1,980,000 | $6,770,000 | 241.9% | 0.0% |
| PCMA, INC. | $6,750,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $3,250,000 | $6,595,000 | 102.9% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $5,810,000 | $6,420,000 | 10.5% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $6,085,000 | $6,385,000 | 4.9% | 0.0% |
| First Federal Bank | $1,550,000 | $6,380,000 | 311.6% | 0.0% |
| AmeriHome Mortgage Company, LLC | $13,045,000 | $6,355,000 | -51.3% | 0.0% |
| Fortis Private Bank | $55,935,000 | $6,255,000 | -88.8% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $710,000 | $6,245,000 | 779.6% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $4,410,000 | $6,165,000 | 39.8% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $11,430,000 | $6,150,000 | -46.2% | 0.0% |
| First National Bank of America | $7,935,000 | $6,100,000 | -23.1% | 0.0% |
| University Bank | $5,885,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $19,585,000 | $5,870,000 | -70.0% | 0.0% |
| NMSI, INC. | $5,845,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $28,640,000 | $5,835,000 | -79.6% | 0.0% |
| Logan Finance Corporation | $6,995,000 | $5,645,000 | -19.3% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $6,790,000 | $5,610,000 | -17.4% | 0.0% |
| J. VIRGIL, INC. | $20,725,000 | $5,580,000 | -73.1% | 0.0% |
| Alaska USA Federal Credit Union | $5,465,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $3,680,000 | $5,325,000 | 44.7% | 0.0% |
| Affiliated Bank | $5,295,000 | n/a | 0.0% | |
| BNC National Bank | $18,930,000 | $5,195,000 | -72.6% | 0.0% |
| RBC Bank, (Georgia) | $8,045,000 | $5,180,000 | -35.6% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $1,245,000 | $5,170,000 | 315.3% | 0.0% |
| Goldwater Bank, N.A. | $9,400,000 | $4,985,000 | -47.0% | 0.0% |
| Bethpage Federal Credit Union | $2,665,000 | $4,975,000 | 86.7% | 0.0% |
| MEMBERS FIRST CREDIT UNION | $4,815,000 | n/a | 0.0% | |
| M C Bank & Trust Company | $4,795,000 | n/a | 0.0% | |
| Quad City Bank and Trust Company | $4,640,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $9,950,000 | $4,595,000 | -53.8% | 0.0% |
| Farmers Bank & Trust | $2,490,000 | $4,585,000 | 84.1% | 0.0% |
| Fifth Third Bank | $7,520,000 | $4,560,000 | -39.4% | 0.0% |
| GMFS LLC | $1,955,000 | $4,515,000 | 130.9% | 0.0% |
| Jordan Federal Credit Union | $7,090,000 | $4,290,000 | -39.5% | 0.0% |
| BEEHIVE | $3,350,000 | $4,285,000 | 27.9% | 0.0% |
| Broadway National Bank | $745,000 | $4,160,000 | 458.4% | 0.0% |
| A&D Mortgage LLC | $185,000 | $4,040,000 | 2,083.8% | 0.0% |
| BankPlus | $505,000 | $3,955,000 | 683.2% | 0.0% |
| Banterra Bank | $13,530,000 | $3,895,000 | -71.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,015,000 | $3,840,000 | 278.3% | 0.0% |
| The Central Trust Bank | $9,785,000 | $3,725,000 | -61.9% | 0.0% |
| Magnolia Bank | $8,825,000 | $3,720,000 | -57.8% | 0.0% |
| Nations Lending Corporation | $11,600,000 | $3,705,000 | -68.1% | 0.0% |
| Grand Valley Bank | $10,405,000 | $3,550,000 | -65.9% | 0.0% |
| JMAC LENDING, INC. | $8,285,000 | $3,485,000 | -57.9% | 0.0% |
| Axos Bank | $11,155,000 | $3,470,000 | -68.9% | 0.0% |
| HighTechLending Inc | $10,455,000 | $3,350,000 | -68.0% | 0.0% |
| Heritage Bank | $3,335,000 | n/a | 0.0% | |
| ONY GLO, INC. | $690,000 | $3,330,000 | 382.6% | 0.0% |
| GTE Federal Credit Union | $6,280,000 | $3,325,000 | -47.1% | 0.0% |
| FIRST TECHNOLOGY | $35,120,000 | $3,305,000 | -90.6% | 0.0% |
| BENCH EQUITY L.L.C. | $9,015,000 | $3,260,000 | -63.8% | 0.0% |
| First American Bank | $1,275,000 | $3,260,000 | 155.7% | 0.0% |
| SUMMIT FUNDING, INC. | $5,840,000 | $3,225,000 | -44.8% | 0.0% |
| North American Savings Bank, F.S.B. | $29,760,000 | $3,075,000 | -89.7% | 0.0% |
| Grand Bank | $3,005,000 | n/a | 0.0% | |
| Intrust Bank | $3,005,000 | n/a | 0.0% | |
| Leader Bank | $3,000,000 | n/a | 0.0% | |
| IDAHO CENTRAL | $3,835,000 | $2,960,000 | -22.8% | 0.0% |
| Evolve Bank & Trust | $2,285,000 | $2,900,000 | 26.9% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $3,030,000 | $2,830,000 | -6.6% | 0.0% |
| Western State Bank | $2,805,000 | n/a | 0.0% | |
| CALIBER HOME LOANS, INC. | $490,665,000 | $2,780,000 | -99.4% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $6,755,000 | $2,745,000 | -59.4% | 0.0% |
| Hercules First Federal Credit Union | $2,715,000 | n/a | 0.0% | |
| GARDNER FINANCIAL SERVICES, LTD. | $2,705,000 | n/a | 0.0% | |
| First Interstate Bank | $910,000 | $2,650,000 | 191.2% | 0.0% |
| Washington Trust Bank | $1,470,000 | $2,545,000 | 73.1% | 0.0% |
| FirstBank | $655,000 | $2,540,000 | 287.8% | 0.0% |
| Watermark Capital, Inc. | $24,150,000 | $2,525,000 | -89.5% | 0.0% |
| Encompass Lending Group, LP | $2,490,000 | n/a | 0.0% | |
| BERKELEY POINT CAPITAL LLC | $66,110,000 | $2,465,000 | -96.3% | 0.0% |
| Chicago Mortgage Solutions LLC | $45,930,000 | $2,425,000 | -94.7% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $3,055,000 | $2,420,000 | -20.8% | 0.0% |
| Pinnacle Bank | $3,280,000 | $2,415,000 | -26.4% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,630,000 | $2,395,000 | -8.9% | 0.0% |
| V.I.P. MORTGAGE, INC. | $4,305,000 | $2,385,000 | -44.6% | 0.0% |
| CANVAS CREDIT UNION | $2,365,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $2,435,000 | $2,340,000 | -3.9% | 0.0% |
| Firefighters First Federal Credit Union | $2,125,000 | $2,310,000 | 8.7% | 0.0% |
| HORIZON UTAH Federal Credit Union | $3,160,000 | $2,310,000 | -26.9% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $5,290,000 | $2,310,000 | -56.3% | 0.0% |
| Toyota Financial Savings Bank | $3,945,000 | $2,300,000 | -41.7% | 0.0% |
| OAKTREE FUNDING CORP. | $5,930,000 | $2,230,000 | -62.4% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $9,625,000 | $2,190,000 | -77.2% | 0.0% |
| Servion, Inc. | $305,000 | $2,180,000 | 614.8% | 0.0% |
| DIGITAL Federal Credit Union | $7,125,000 | $2,145,000 | -69.9% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $2,085,000 | n/a | 0.0% | |
| Eagle Bank and Trust Company | $2,685,000 | $2,080,000 | -22.5% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $6,955,000 | $2,080,000 | -70.1% | 0.0% |
| United Nations Federal Credit Union | $3,915,000 | $2,070,000 | -47.1% | 0.0% |
| CIBC Bank USA | $22,760,000 | $2,030,000 | -91.1% | 0.0% |
| Old National Bank | $2,245,000 | $2,025,000 | -9.8% | 0.0% |
| Quontic Bank | $3,805,000 | $2,005,000 | -47.3% | 0.0% |
| ZILLOW HOME LOANS, LLC | $1,995,000 | n/a | 0.0% | |
| Ixonia Bank | $435,000 | $1,990,000 | 357.5% | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | $1,945,000 | n/a | 0.0% | |
| Willamette Valley Bank | $1,850,000 | $1,840,000 | -0.5% | 0.0% |
| Service Federal Credit Union | $220,000 | $1,820,000 | 727.3% | 0.0% |
| TEACHERS | $1,805,000 | n/a | 0.0% | |
| Gateway First Bank | $83,275,000 | $1,800,000 | -97.8% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $2,010,000 | $1,750,000 | -12.9% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $1,455,000 | $1,745,000 | 19.9% | 0.0% |
| Presidential Bank, FSB | $1,735,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $3,815,000 | $1,720,000 | -54.9% | 0.0% |
| ADVANTAGE PLUS | $3,120,000 | $1,700,000 | -45.5% | 0.0% |
| STAR ONE CREDIT UNION | $4,585,000 | $1,690,000 | -63.1% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $14,055,000 | $1,655,000 | -88.2% | 0.0% |
| POINT Mortgage | $1,625,000 | n/a | 0.0% | |
| Northwest Farm Credit Services, FLCA | $6,860,000 | $1,590,000 | -76.8% | 0.0% |
| TRANSWEST CREDIT UNION | $8,490,000 | $1,590,000 | -81.3% | 0.0% |
| First Fidelity Bank | $315,000 | $1,565,000 | 396.8% | 0.0% |
| Wyndham Capital Mortgage, Inc. | $31,730,000 | $1,540,000 | -95.1% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $1,530,000 | n/a | 0.0% | |
| Neighborhood Loans, Inc. | $315,000 | $1,530,000 | 385.7% | 0.0% |
| Academy Bank | $1,070,000 | $1,525,000 | 42.5% | 0.0% |
| Deere Employees Credit Union | $1,030,000 | $1,525,000 | 48.1% | 0.0% |
| LAKE MICHIGAN CREDIT UNION | $1,505,000 | n/a | 0.0% | |
| Red River Bank | $925,000 | $1,505,000 | 62.7% | 0.0% |
| Peoples Bank | $1,170,000 | $1,500,000 | 28.2% | 0.0% |
| Great Southern Bank | $7,965,000 | $1,470,000 | -81.5% | 0.0% |
| Renasant Bank | $2,385,000 | $1,435,000 | -39.8% | 0.0% |
| Grand Bank for Savings, FSB | $1,390,000 | n/a | 0.0% | |
| Arvest Bank | $9,365,000 | $1,380,000 | -85.3% | 0.0% |
| Landmark National Bank | $1,365,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $3,845,000 | $1,315,000 | -65.8% | 0.0% |
| The Bank of Commerce | $1,285,000 | $1,260,000 | -1.9% | 0.0% |
| First State Bank of St. Charles, Missouri | $595,000 | $1,250,000 | 110.1% | 0.0% |
| United States Senate Federal Credit Union | $420,000 | $1,240,000 | 195.2% | 0.0% |
| Hinsdale Bank & Trust Company | $3,005,000 | $1,225,000 | -59.2% | 0.0% |
| NFM, INC. | $7,055,000 | $1,225,000 | -82.6% | 0.0% |
| WINGS FINANCIAL | $4,390,000 | $1,225,000 | -72.1% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $1,660,000 | $1,190,000 | -28.3% | 0.0% |
| SeaTrust Mortgage Company | $1,180,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $3,490,000 | $1,160,000 | -66.8% | 0.0% |
| MANN FINANCIAL INC. | $1,045,000 | $1,155,000 | 10.5% | 0.0% |
| Stock Yards Bank & Trust Company | $1,135,000 | n/a | 0.0% | |
| First Western Trust Bank | $2,630,000 | $1,125,000 | -57.2% | 0.0% |
| Connexus Credit Union | $1,095,000 | n/a | 0.0% | |
| CUSTOMER SERVICE MORTGAGE CORPORATION | $1,095,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,935,000 | $1,075,000 | -44.4% | 0.0% |
| First Option Mortgage, LLC | $395,000 | $1,070,000 | 170.9% | 0.0% |
| STANFORD Federal Credit Union | $2,420,000 | $1,060,000 | -56.2% | 0.0% |
| Benchmark Bank | $1,055,000 | n/a | 0.0% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $2,565,000 | $1,055,000 | -58.9% | 0.0% |
| GREENSTATE CREDIT UNION | $1,030,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $7,310,000 | $1,025,000 | -86.0% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $1,005,000 | n/a | 0.0% | |
| IncredibleBank | $1,005,000 | n/a | 0.0% | |
| READYCAP COMMERCIAL, LLC | $37,840,000 | $1,005,000 | -97.3% | 0.0% |
| Blue Federal Credit Union | $975,000 | n/a | 0.0% | |
| Johnson Bank | $955,000 | n/a | 0.0% | |
| Amalgamated Bank | $10,150,000 | $940,000 | -90.7% | 0.0% |
| The Yellowstone Bank | $925,000 | n/a | 0.0% | |
| RCN Capital, LLC | $3,525,000 | $920,000 | -73.9% | 0.0% |
| First State Bank | $915,000 | n/a | 0.0% | |
| Little Horn State Bank | $915,000 | n/a | 0.0% | |
| TOWER | $460,000 | $895,000 | 94.6% | 0.0% |
| KELLER MORTGAGE, LLC | $12,015,000 | $870,000 | -92.8% | 0.0% |
| Prosperity Home Mortgage, LLC | $395,000 | $870,000 | 120.3% | 0.0% |
| City National Bank of Florida | $855,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $1,665,000 | $815,000 | -51.1% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $555,000 | $810,000 | 45.9% | 0.0% |
| Victorian Finance, LLC | $8,520,000 | $780,000 | -90.8% | 0.0% |
| State Department Federal Credit Union | $1,355,000 | $760,000 | -43.9% | 0.0% |
| American State Bank | $755,000 | n/a | 0.0% | |
| First Financial Bank | $755,000 | n/a | 0.0% | |
| Meridian Bank Corporation | $640,000 | $755,000 | 18.0% | 0.0% |
| Luxury Mortgage Corp. | $2,470,000 | $750,000 | -69.6% | 0.0% |
| RESIDENTIAL BANCORP | $435,000 | $750,000 | 72.4% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $19,935,000 | $725,000 | -96.4% | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $8,405,000 | $725,000 | -91.4% | 0.0% |
| Mortgage Bank of California | $4,495,000 | $710,000 | -84.2% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,810,000 | $705,000 | -61.0% | 0.0% |
| F&A Federal Credit Union | $455,000 | $675,000 | 48.4% | 0.0% |
| STAR Financial Bank | $675,000 | n/a | 0.0% | |
| FAY SERVICING, LLC | $650,000 | n/a | 0.0% | |
| First Federal Savings Bank of Twin Falls | $305,000 | $640,000 | 109.8% | 0.0% |
| Union Savings Bank | $640,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $635,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $11,000,000 | $625,000 | -94.3% | 0.0% |
| THRIVE MORTGAGE, LLC | $625,000 | n/a | 0.0% | |
| First Horizon Bank | $1,235,000 | $615,000 | -50.2% | 0.0% |
| Bell Bank | $145,000 | $580,000 | 300.0% | 0.0% |
| BM Real Estate Services, Inc. | $820,000 | $580,000 | -29.3% | 0.0% |
| WYHY | $575,000 | n/a | 0.0% | |
| Bank of the West | $69,940,000 | $565,000 | -99.2% | 0.0% |
| Origin Bank | $4,610,000 | $565,000 | -87.7% | 0.0% |
| MICHIGAN MUTUAL, INC. | $1,075,000 | $560,000 | -47.9% | 0.0% |
| TJC Mortgage, Inc. | $3,735,000 | $560,000 | -85.0% | 0.0% |
| General Mortgage Capital Corporation | $175,000 | $550,000 | 214.3% | 0.0% |
| American Airlines Federal Credit Union | $3,955,000 | $545,000 | -86.2% | 0.0% |
| HIWAY | $535,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $770,000 | $535,000 | -30.5% | 0.0% |
| Paramount Bank | $3,065,000 | $530,000 | -82.7% | 0.0% |
| PINNACLE LENDING GROUP, INC. | $620,000 | $530,000 | -14.5% | 0.0% |
| Bank of the Flint Hills | $525,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $515,000 | n/a | 0.0% | |
| Warsaw Federal Savings and Loan Association | $505,000 | n/a | 0.0% | |
| First National Bank Texas | $455,000 | $500,000 | 9.9% | 0.0% |
| Southwest Airlines Federal Credit Union | $635,000 | $500,000 | -21.3% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $495,000 | n/a | 0.0% | |
| RMS & Associates | $490,000 | n/a | 0.0% | |
| PURDUE FEDERAL CREDIT UNION | $485,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $475,000 | n/a | 0.0% | |
| Honor Credit Union | $475,000 | n/a | 0.0% | |
| Independent Bank | $395,000 | $475,000 | 20.3% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $780,000 | $470,000 | -39.7% | 0.0% |
| Colonial Savings, F.A. | $845,000 | $465,000 | -45.0% | 0.0% |
| FOUR POINTS | $465,000 | n/a | 0.0% | |
| Guaranty Bank & Trust, N.A. | $465,000 | n/a | 0.0% | |
| Sunflower Bank | $1,910,000 | $465,000 | -75.7% | 0.0% |
| Bank of Idaho | $740,000 | $460,000 | -37.8% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $575,000 | $460,000 | -20.0% | 0.0% |
| JMJ FINANCIAL GROUP | $6,075,000 | $460,000 | -92.4% | 0.0% |
| Royal Credit Union | $275,000 | $455,000 | 65.5% | 0.0% |
| The National Bank of Indianapolis | $455,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $435,000 | n/a | 0.0% | |
| MEMBERS 1ST FEDERAL CREDIT UNION | $425,000 | n/a | 0.0% | |
| Starion Bank | $425,000 | n/a | 0.0% | |
| Cincinnati Federal | $415,000 | n/a | 0.0% | |
| CIBM Bank | $395,000 | n/a | 0.0% | |
| First Bank | $1,245,000 | $395,000 | -68.3% | 0.0% |
| Gate City Bank | $85,000 | $395,000 | 364.7% | 0.0% |
| Mid-America Bank | $395,000 | n/a | 0.0% | |
| UNITED SECURITY FINANCIAL CORP | $2,800,000 | $395,000 | -85.9% | 0.0% |
| Lakeview Community Capital, LLC | $390,000 | n/a | 0.0% | |
| AMCAP MORTGAGE, LTD. | $265,000 | $385,000 | 45.3% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $1,735,000 | $385,000 | -77.8% | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | $385,000 | n/a | 0.0% | |
| First Bank | $1,245,000 | $375,000 | -69.9% | 0.0% |
| Semper Home Loans, Inc. | $740,000 | $375,000 | -49.3% | 0.0% |
| Umpqua Bank | $2,310,000 | $375,000 | -83.8% | 0.0% |
| Armed Forces Bank | $3,355,000 | $365,000 | -89.1% | 0.0% |
| Central Bank | $88,975,000 | $365,000 | -99.6% | 0.0% |
| Old Missouri Bank | $355,000 | n/a | 0.0% | |
| IDAHO STATE UNIVERSITY | $345,000 | n/a | 0.0% | |
| MOUNTAIN WEST FINANCIAL, INC. | $15,530,000 | $315,000 | -98.0% | 0.0% |
| Bank of Whittier | $305,000 | n/a | 0.0% | |
| Horizon Bank SSB | $305,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $3,655,000 | $295,000 | -91.9% | 0.0% |
| DAS Acquisition Company, LLC | $285,000 | n/a | 0.0% | |
| AMERICAN FIRST | $1,105,000 | $275,000 | -75.1% | 0.0% |
| FIDELITY BANK | $265,000 | n/a | 0.0% | |
| BP Federal Credit Union | $1,965,000 | $255,000 | -87.0% | 0.0% |
| 5TH STREET CAPITAL, INC. | $3,215,000 | $245,000 | -92.4% | 0.0% |
| BECKAM FUNDING CORP. | $1,430,000 | $245,000 | -82.9% | 0.0% |
| ONE NEVADA CREDIT UNION | $235,000 | $245,000 | 4.3% | 0.0% |
| Northwest Federal Credit Union | $225,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $225,000 | n/a | 0.0% | |
| ARIZONA | $215,000 | n/a | 0.0% | |
| Christian Community Credit Union | $130,000 | $205,000 | 57.7% | 0.0% |
| Elements Financial Federal Credit Union | $1,250,000 | $205,000 | -83.6% | 0.0% |
| First Western Federal Savings Bank | $205,000 | n/a | 0.0% | |
| Meridian Trust Federal Credit Union | $505,000 | $195,000 | -61.4% | 0.0% |
| Strong Home Mortgage, LLC | $27,690,000 | $185,000 | -99.3% | 0.0% |
| CAPITAL EDUCATORS FEDERAL CREDIT UNION | $175,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $2,005,000 | $175,000 | -91.3% | 0.0% |
| American Bank Center | $165,000 | n/a | 0.0% | |
| S&T Bank | $455,000 | $155,000 | -65.9% | 0.0% |
| UNIFY FINANCIAL Credit Union | $1,850,000 | $125,000 | -93.2% | 0.0% |
| Blue Ridge Bank | $4,420,000 | $115,000 | -97.4% | 0.0% |
| HANSCOM | $25,000 | $105,000 | 320.0% | 0.0% |
| BLACK HILLS FEDERAL CREDIT UNION | $85,000 | n/a | 0.0% | |
| Bank of Springfield | $2,005,000 | $75,000 | -96.3% | 0.0% |
| First Internet Bank of Indiana | $7,125,000 | $65,000 | -99.1% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $395,000 | $65,000 | -83.5% | 0.0% |
| Operating Engineers Local Union #3 | $1,165,000 | $65,000 | -94.4% | 0.0% |
| Centier Bank | $55,000 | n/a | 0.0% | |
| ITHINK FINANCIAL Credit Union | $555,000 | $55,000 | -90.1% | 0.0% |
| SKYONE Federal Credit Union | $355,000 | $35,000 | -90.1% | 0.0% |
| USAlliance Federal Credit Union | $1,010,000 | $25,000 | -97.5% | 0.0% |
Utah's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 12.4% market share. In second place, with 5.6%, is AMERICA FIRST, having originated $1,484,200,000 in loans. In third place, with 4.9%, is MOUNTAIN AMERICA, having originated $1,291,125,000 in loans. In fourth place, with 4.9%, is INTERCAP LENDING INC., having originated $1,284,520,000 in loans. In fifth place, with 3.8%, is FIRST COLONY MORTGAGE CORPORATION, having originated $1,003,475,000 in loans.
Utah Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 39,835 | $17,922,005,000 | $449,906 |
| Home Improvement | 12,923 | $1,353,035,000 | $104,700 |
| Other | 10,534 | $1,427,420,000 | $135,506 |
| Refi | 9,292 | $3,142,740,000 | $338,220 |
| Cash Out Refi | 8,473 | $2,543,455,000 | $300,184 |
| NA | 6 | $3,890,000 | $648,333 |
Utah's most frequently cited loan purpose was Home Purchase, with 39,835 originations. The 2nd most popular reason was Home Improvement, with 12,923 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 25,332 | $10,036,350,000 | $396,193 |
| 7-8% | 22,066 | $5,546,620,000 | $251,365 |
| Over 8% | 16,514 | $2,654,540,000 | $160,745 |
| 5-6% | 13,021 | $6,547,615,000 | $502,850 |
| 4-5% | 2,885 | $990,615,000 | $343,367 |
| 3-4% | 407 | $109,715,000 | $269,570 |
| 2.5-3% | 129 | $54,975,000 | $426,163 |
| <2.5% | 88 | $43,850,000 | $498,295 |
During 2023, Utah's most frequently originated rate bucket was 6-7%, with 25,332 originations.
Loan Sizing (Utah MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 22,769 | $6,946,215,000 | $305,073 |
| $100,000 or less | 22,535 | $1,147,515,000 | $50,921 |
| $400k-600k | 16,117 | $7,696,865,000 | $477,562 |
| $100k-200k | 12,140 | $1,663,840,000 | $137,054 |
| $600k-1000k | 5,733 | $4,081,865,000 | $711,995 |
| $Over $1MM | 1,769 | $4,856,245,000 | $2,745,192 |
Utah's loan sizing saw the bucket of loans from $200k-400k with 22,769 originations, totaling $6,946,215,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 25,297 | $1,720,985,000 | $68,031 |
| 80-100% | 24,073 | $10,990,625,000 | $456,554 |
| 60-80% | 12,189 | $6,803,105,000 | $558,135 |
| 20-40% | 11,056 | $2,230,740,000 | $201,767 |
| 40-60% | 7,028 | $3,836,180,000 | $545,842 |
| Over 100% | 626 | $365,660,000 | $584,121 |
Utah's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 25,297 originations, totaling $1,720,985,000 in origination value.