Mortgage lender closing cost rankings in Utah (2024)
In Utah, homebuyers paid a median of $8,544 in total closing costs on purchase mortgages in 2024, which is above the national median of $6,741. The median interest rate was 6.50% across 33,812 purchase originations. The most active lender was UNITED WHOLESALE MORTGAGE, LLC with 5,645 originations. The lowest-cost lender (with 50+ loans) was HOMEAMERICAN MORTGAGE CORPORATION at $1,988.
Median Total Costs
$8,544
+26.8% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$4,207
Purchase Originations
33,812
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 22,684 | 6.625% | $6,537 |
| fha | 8,450 | 6.125% | $15,283 |
| va | 2,551 | 6.125% | $7,880 |
| usda | 127 | 6.000% | $9,470 |
Lowest closing cost lenders in Utah
Ranked by median total loan costs among lenders with 50+ purchase originations in Utah.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,988 | 5.500% | $0 | 348 | −$6,556 | |
| 2 | $3,127 | 6.125% | $0 | 100 | −$5,417 | |
| 3 | $3,191 | 6.188% | $250 | 56 | −$5,353 | |
| 4 | $3,641 | 5.250% | $1,148 | 450 | −$4,903 | |
| 5 | $3,706 | 6.500% | $995 | 195 | −$4,838 | |
| 6 | $3,833 | 6.625% | $1,485 | 128 | −$4,711 | |
| 7 | $3,931 | 6.375% | $0 | 263 | −$4,613 | |
| 8 | $4,671 | 6.875% | $2,409 | 114 | −$3,873 | |
| 9 | $4,696 | 6.500% | $1,918 | 432 | −$3,848 | |
| 10 | $4,907 | 6.625% | $1,382 | 80 | −$3,637 | |
| 11 | $4,939 | 7.000% | $1,250 | 59 | −$3,605 | |
| 12 | $5,259 | 6.625% | $1,518 | 147 | −$3,285 | |
| 13 | $5,300 | 6.375% | $2,157 | 82 | −$3,244 | |
| 14 | $5,342 | 6.375% | $2,360 | 58 | −$3,202 | |
| 15 | $5,389 | 6.500% | $3,220 | 360 | −$3,155 | |
| 16 | $5,547 | 6.500% | $1,810 | 174 | −$2,997 | |
| 17 | $6,149 | 6.500% | $2,529 | 254 | −$2,395 | |
| 18 | $6,187 | 6.490% | $2,931 | 146 | −$2,357 | |
| 19 | $6,439 | 6.750% | $2,871 | 157 | −$2,105 | |
| 20 | $6,522 | 6.490% | $3,525 | 96 | −$2,022 | |
| 21 | $6,606 | 6.562% | $3,070 | 54 | −$1,938 | |
| 22 | $6,630 | 6.625% | $2,840 | 185 | −$1,914 | |
| 23 | $6,778 | 6.625% | $3,257 | 584 | −$1,766 | |
| 24 | $6,787 | 6.375% | $1,419 | 355 | −$1,757 | |
| 25 | $6,996 | 6.625% | $1,595 | 59 | −$1,548 |
Includes lenders with 50+ purchase originations in Utah. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Salt Lake County
9,837 originations
Utah County
8,453 originations
Davis County
3,242 originations
Weber County
2,928 originations
Washington County
2,598 originations
Tooele County
1,403 originations
Cache County
1,225 originations
Box Elder County
721 originations
Iron County
715 originations
Wasatch County
519 originations
Summit County
406 originations
Uintah County
307 originations
Sevier County
209 originations
Sanpete County
192 originations
Carbon County
179 originations
Morgan County
141 originations
Duchesne County
140 originations
Juab County
110 originations
See Utah closing cost details, fee benchmarks, and county comparisons → Utah Closing Costs Guide
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.