Purchase Originations
356
Median Total Costs
$7,187
+7.6% vs national ($6,680)
↑ $400 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,330
Median Lender Credits
$70
Denial Rate
1.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 228 | 6.500% | $5,352 | $2,845 |
| fha | 103 | 6.125% | $9,396 | $1,012 |
| va | 20 | 6.000% | $4,109 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,757 | 6.125% | — | 31 | −$2,430 | |
| 2 | $5,510 | 6.375% | — | 8 | −$1,677 | |
| 3 | $5,718 | 6.250% | — | 71 | −$1,469 | |
| 4 | $5,719 | 6.500% | — | 3 | −$1,468 | |
| 5 | $6,059 | 6.062% | — | 80 | −$1,128 | |
| 6 | $6,499 | 6.250% | — | 13 | −$688 | |
| 7 | $7,042 | 6.375% | — | 32 | −$145 | |
| 8 | $7,549 | 6.750% | — | 4 | +$362 | |
| 9 | $7,684 | 6.250% | — | 15 | +$497 | |
| 10 | $8,250 | 6.312% | — | 2 | +$1,063 | |
| 11 | $8,908 | 6.438% | — | 24 | +$1,721 | |
| 12 | $9,054 | 6.000% | — | 21 | +$1,867 | |
| 13 | $9,392 | 6.375% | — | 2 | +$2,205 | |
| 14 | $10,042 | 6.250% | — | 7 | +$2,855 | |
| 15 | $10,116 | 6.188% | — | 12 | +$2,929 | |
| 16 | $10,148 | 6.625% | — | 2 | +$2,961 | |
| 17 | $10,206 | 6.188% | — | 6 | +$3,019 | |
| 18 | $10,595 | 7.062% | — | 4 | +$3,408 | |
| 19 | $10,691 | 6.750% | — | 1 | +$3,504 | |
| 20 | $10,955 | 6.000% | — | 7 | +$3,768 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bank OF Utah | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $7,187 | $7,127 | +$60 (+0.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.