Utah · Q1 2026
What Utah borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 374 lenders.
Published 2026-04-29.
Utah · headline
The gap between Utah's lowest- and highest-cost ranked lenders in 2025 was $8,536 on a typical loan — borrowers using Securitynational Mortgage Company paid roughly 350% more than borrowers using DHI Mortgage Company, LTD. on similar loans.
Source: FFIEC HMDA 2025 (n=56,680)
In 2025, 374 mortgage lenders originated 56,680 reportable loans in Utah according to FFIEC HMDA data. The median borrower paid $6,339 in total loan costs. That is 49.4% above the national median across all 50 states and DC.
Utah's median total loan cost was $6,339, 49.4% above the national median of $4,242. On a typical loan, that translates to roughly $2,097 more than borrowers paid in the average state.
DHI Mortgage Company, LTD. posted the lowest median total loan costs at $2,438, 61.5% below the Utah median. Across the ranked lenders, 6 earned an A grade against peer averages and 3 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Utah are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | $7,565 | $3,730 | 8,290 | B |
| 2 | Rocket Mortgage | $4,774 | $3,274 | 4,779 | A |
| 3 | Guild Mortgage | $8,957 | $5,404 | 3,682 | D |
| 4 | First Colony Mortgage Corporation | $9,270 | $5,635 | 2,755 | D |
| 5 | Intercap Lending Inc. | $7,062 | $3,833 | 2,625 | B |
| 6 | Kind Lending, LLC | $8,486 | $3,474 | 2,009 | C |
| 7 | The Loan Store, Inc. | $7,210 | $3,423 | 1,687 | B |
| 8 | Securitynational Mortgage Company | $10,974 | $6,310 | 1,634 | F |
| 9 | MY Move Mortgage, LLC | $7,475 | $3,604 | 1,132 | B |
| 10 | Pennymac | $5,838 | $3,220 | 1,128 | A |
Utah median total loan cost
Utah borrowers paid a median $6,339 in total loan costs in 2025, based on 56,680 HMDA-reported loans across 374 lenders.
FFIEC HMDA 2025
Lender spread in Utah
In Utah, the gap between DHI Mortgage Company, LTD. ($2,438 median) and Securitynational Mortgage Company ($10,974 median) was $8,536 on a typical 2025 loan.
FFIEC HMDA 2025
Utah vs. national
Utah closing costs ran 49.4% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Utah was $3,471, with the typical lender clustering tightly around that figure. Discount points appeared on 60% of loans, with a median paid amount of $3,315 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 32% of loans, with a median credit of $657.
Avg $5,415
Median $3,315 when present
Median $657 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Utah) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Utah
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