Top Mortgage Lenders in St. George, UT

Which mortgage lender in the St. George, UT area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the St. George, UT area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the St. George, UT area in terms of interest rate is Provident Funding, with an average “Rate Difference” of -0.17%. This means that, comparing similar borrowers, Provident Funding provided a -0.17% lower interest rate for its customers than other lenders in the area. Provident Funding has a market share of 1.9%. On the other hand, the most popular lender in the St. George, UT area is First Colony Mortgage Corporation, with a larger market share of 9.2%. First Colony Mortgage Corporation is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.00% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the St. George, UT area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in St. George, UT is Provident Funding. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Caliber Home Loans. The cheapest VA mortgage provider is also Caliber Home Loans. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in St. George, UT

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Provident Funding-0.17%(4.5)1.91%
America First Federal Credit Union-0.15%(4.5)2.98%
State Bank of Southern Utah-0.12%(4.0)3.19%
Goldenwest Credit Union-0.10%(4.0)0.75%
Mountain America Credit Union-0.09%(4.0)7.05%
Atlantic Bay Mortgage Group-0.07%(4.0)0.46%
US Bank-0.05%(3.5)0.98%
Zions Bank-0.05%(3.5)1.42%
Altabank-0.05%(3.5)0.45%
Momentum Loans-0.04%(3.5)0.82%
Wells Fargo Bank-0.04%(3.5)2.45%
Caliber Home Loans-0.04%(3.5)2.79%
Patriot Home Mortgage-0.04%(3.5)3.61%
JPMorgan Chase Bank-0.03%(3.5)1.25%
Cache Valley Bank-0.02%(3.5)1.28%
USAA-0.01%(3.5)0.47%
loanDepot-0.01%(3.5)1.53%
SecurityNational Mortgage Company-0.01%(3.5)1.02%
Stearns Home Loans-0.01%(3.5)0.78%
Flagstar Bank-0.01%(3.5)1.02%
Fairway Independent Mortgage Corporation-0.00%(3.5)1.32%
American Pacific Mortgage0.00%(3.5)0.43%
Sun American Mortgage0.00%(3.5)3.78%
First Colony Mortgage Corporation0.00%(3.5)9.20%
Guild Mortgage Company0.01%(3.5)7.09%
Bank of Utah0.01%(3.5)1.00%
Veritas Funding0.01%(3.5)1.57%
Primary Residential Mortgage Inc0.01%(3.5)0.52%
Cherry Creek Mortgage0.02%(3.5)3.43%
PennyMac Loan Services0.02%(3.5)1.84%
Intercap Lending0.02%(3.5)5.17%
Graystone Mortgage0.02%(3.5)0.53%
Castle & Cooke Mortgage0.02%(3.5)0.93%
RANLife Home Loans0.03%(3.5)0.59%
New American Funding0.04%(3.5)2.36%
Bay Equity Home Loans0.05%(3.5)3.93%
Freedom Mortgage Corporation0.05%(3.5)0.63%
The Federal Savings Bank0.07%(3.0)0.49%
OneTrust Home Loans0.07%(3.0)2.15%
Supreme Lending0.08%(3.0)0.88%
Academy Mortgage Corporation Utah0.10%(3.0)6.12%
Quicken Loans0.10%(3.0)6.68%
Mr. Cooper0.11%(3.0)0.71%
Citywide Home Loans0.12%(3.0)2.45%
Lender NameRate DifferenceRate RatingMarket Share
America First Federal Credit Union-0.19%(4.5)2.26%
Provident Funding-0.19%(4.5)1.17%
Mountain America Credit Union-0.13%(4.0)3.97%
Wells Fargo Bank-0.10%(4.0)2.98%
Altabank-0.09%(4.0)0.51%
Goldenwest Credit Union-0.08%(4.0)0.71%
State Bank of Southern Utah-0.08%(4.0)3.36%
US Bank-0.08%(4.0)0.99%
Caliber Home Loans-0.07%(4.0)2.60%
JPMorgan Chase Bank-0.07%(4.0)1.12%
PennyMac Loan Services-0.06%(4.0)1.17%
Atlantic Bay Mortgage Group-0.05%(4.0)0.20%
Zions Bank-0.05%(3.5)1.04%
Momentum Loans-0.04%(3.5)1.09%
SecurityNational Mortgage Company-0.03%(3.5)1.40%
Patriot Home Mortgage-0.03%(3.5)3.92%
loanDepot-0.03%(3.5)0.08%
USAA-0.02%(3.5)0.61%
Mr. Cooper-0.02%(3.5)0.10%
Freedom Mortgage Corporation-0.01%(3.5)0.10%
Graystone Mortgage-0.01%(3.5)0.53%
Cache Valley Bank-0.01%(3.5)1.45%
Stearns Home Loans-0.01%(3.5)0.79%
American Pacific Mortgage-0.00%(3.5)0.53%
Quicken Loans-0.00%(3.5)3.00%
Fairway Independent Mortgage Corporation0.00%(3.5)1.83%
Sun American Mortgage0.01%(3.5)4.76%
Flagstar Bank0.01%(3.5)0.48%
Guild Mortgage Company0.01%(3.5)8.93%
First Colony Mortgage Corporation0.01%(3.5)9.21%
Primary Residential Mortgage Inc0.01%(3.5)0.53%
Intercap Lending0.01%(3.5)6.46%
Cherry Creek Mortgage0.02%(3.5)3.84%
RANLife Home Loans0.02%(3.5)0.51%
Castle & Cooke Mortgage0.02%(3.5)1.09%
Bank of Utah0.03%(3.5)1.35%
New American Funding0.04%(3.5)3.46%
Veritas Funding0.04%(3.5)1.70%
Bay Equity Home Loans0.05%(3.5)5.06%
Supreme Lending0.07%(3.0)0.71%
OneTrust Home Loans0.07%(3.0)2.80%
Academy Mortgage Corporation Utah0.11%(3.0)8.30%
Citywide Home Loans0.15%(2.5)3.26%
Lender NameRate DifferenceRate RatingMarket Share
State Bank of Southern Utah-0.18%(4.5)2.99%
Provident Funding-0.16%(4.5)2.80%
America First Federal Credit Union-0.13%(4.0)3.85%
Goldenwest Credit Union-0.12%(4.0)0.80%
Mountain America Credit Union-0.08%(4.0)10.78%
Atlantic Bay Mortgage Group-0.07%(4.0)0.77%
Momentum Loans-0.06%(4.0)0.49%
Cache Valley Bank-0.05%(4.0)1.08%
Bank of Utah-0.05%(3.5)0.59%
Patriot Home Mortgage-0.05%(3.5)3.23%
Zions Bank-0.04%(3.5)1.88%
Veritas Funding-0.04%(3.5)1.42%
Fairway Independent Mortgage Corporation-0.03%(3.5)0.71%
Sun American Mortgage-0.01%(3.5)2.59%
Guild Mortgage Company-0.01%(3.5)4.87%
Flagstar Bank-0.01%(3.5)1.66%
Stearns Home Loans-0.01%(3.5)0.77%
US Bank-0.01%(3.5)0.96%
First Colony Mortgage Corporation-0.01%(3.5)9.18%
loanDepot-0.01%(3.5)3.30%
USAA-0.00%(3.5)0.31%
Caliber Home Loans0.00%(3.5)3.02%
Primary Residential Mortgage Inc0.01%(3.5)0.49%
American Pacific Mortgage0.01%(3.5)0.31%
Cherry Creek Mortgage0.01%(3.5)2.93%
JPMorgan Chase Bank0.01%(3.5)1.42%
Castle & Cooke Mortgage0.02%(3.5)0.74%
Altabank0.02%(3.5)0.37%
New American Funding0.03%(3.5)1.02%
RANLife Home Loans0.03%(3.5)0.68%
Intercap Lending0.03%(3.5)3.60%
Citywide Home Loans0.04%(3.5)1.48%
Bay Equity Home Loans0.04%(3.5)2.56%
SecurityNational Mortgage Company0.05%(3.0)0.55%
Freedom Mortgage Corporation0.06%(3.0)1.26%
Graystone Mortgage0.06%(3.0)0.52%
OneTrust Home Loans0.06%(3.0)1.36%
Academy Mortgage Corporation Utah0.06%(3.0)3.48%
PennyMac Loan Services0.06%(3.0)2.65%
The Federal Savings Bank0.07%(3.0)1.08%
Wells Fargo Bank0.08%(3.0)1.82%
Supreme Lending0.09%(3.0)1.08%
Mr. Cooper0.13%(3.0)1.45%
Quicken Loans0.14%(3.0)11.12%
Lender NameRate DifferenceRate RatingMarket Share
Provident Funding-0.17%(4.5)2.39%
America First Federal Credit Union-0.16%(4.5)3.70%
State Bank of Southern Utah-0.13%(4.0)3.86%
Goldenwest Credit Union-0.10%(4.0)0.90%
Mountain America Credit Union-0.10%(4.0)8.41%
Atlantic Bay Mortgage Group-0.08%(4.0)0.50%
US Bank-0.06%(4.0)0.85%
Zions Bank-0.04%(3.5)1.74%
Altabank-0.04%(3.5)0.55%
Patriot Home Mortgage-0.04%(3.5)3.86%
Momentum Loans-0.04%(3.5)0.97%
Wells Fargo Bank-0.04%(3.5)2.78%
SecurityNational Mortgage Company-0.03%(3.5)0.97%
JPMorgan Chase Bank-0.03%(3.5)1.49%
Cache Valley Bank-0.02%(3.5)1.49%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.19%
USAA-0.02%(3.5)0.23%
American Pacific Mortgage-0.02%(3.5)0.37%
Caliber Home Loans-0.01%(3.5)2.44%
loanDepot-0.00%(3.5)1.20%
Guild Mortgage Company-0.00%(3.5)6.29%
Flagstar Bank-0.00%(3.5)0.99%
Stearns Home Loans0.00%(3.5)0.66%
Veritas Funding0.00%(3.5)1.58%
First Colony Mortgage Corporation0.01%(3.5)9.23%
Bank of Utah0.02%(3.5)1.04%
Sun American Mortgage0.02%(3.5)3.95%
Primary Residential Mortgage Inc0.02%(3.5)0.46%
Graystone Mortgage0.03%(3.5)0.58%
Castle & Cooke Mortgage0.03%(3.5)0.94%
RANLife Home Loans0.03%(3.5)0.55%
Cherry Creek Mortgage0.04%(3.5)3.49%
Intercap Lending0.05%(3.5)5.06%
PennyMac Loan Services0.05%(3.0)1.45%
Freedom Mortgage Corporation0.06%(3.0)0.35%
Citywide Home Loans0.07%(3.0)1.75%
Bay Equity Home Loans0.07%(3.0)3.42%
Supreme Lending0.09%(3.0)1.01%
OneTrust Home Loans0.09%(3.0)1.84%
New American Funding0.09%(3.0)1.58%
Academy Mortgage Corporation Utah0.10%(3.0)6.18%
Quicken Loans0.12%(3.0)7.21%
Mr. Cooper0.17%(2.5)0.50%
Lender NameRate DifferenceRate RatingMarket Share
America First Federal Credit Union-0.20%(4.5)2.86%
Provident Funding-0.19%(4.5)1.55%
Mountain America Credit Union-0.13%(4.0)4.78%
Wells Fargo Bank-0.10%(4.0)3.43%
US Bank-0.10%(4.0)0.98%
Goldenwest Credit Union-0.09%(4.0)0.84%
Altabank-0.09%(4.0)0.64%
State Bank of Southern Utah-0.08%(4.0)4.17%
JPMorgan Chase Bank-0.07%(4.0)1.41%
SecurityNational Mortgage Company-0.07%(4.0)1.31%
Atlantic Bay Mortgage Group-0.05%(4.0)0.24%
PennyMac Loan Services-0.05%(4.0)1.01%
Zions Bank-0.04%(3.5)1.31%
American Pacific Mortgage-0.04%(3.5)0.44%
Caliber Home Loans-0.04%(3.5)2.29%
Patriot Home Mortgage-0.04%(3.5)4.47%
USAA-0.04%(3.5)0.27%
Momentum Loans-0.03%(3.5)1.35%
loanDepot-0.03%(3.5)0.10%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.65%
Mr. Cooper-0.01%(3.5)0.10%
Cache Valley Bank-0.01%(3.5)1.65%
Guild Mortgage Company-0.01%(3.5)8.01%
Graystone Mortgage-0.01%(3.5)0.64%
Freedom Mortgage Corporation0.00%(3.5)0.03%
Quicken Loans0.00%(3.5)3.50%
Flagstar Bank0.02%(3.5)0.44%
Stearns Home Loans0.02%(3.5)0.47%
RANLife Home Loans0.02%(3.5)0.47%
Sun American Mortgage0.03%(3.5)5.01%
Primary Residential Mortgage Inc0.03%(3.5)0.47%
Castle & Cooke Mortgage0.03%(3.5)1.04%
First Colony Mortgage Corporation0.03%(3.5)9.25%
Bank of Utah0.04%(3.5)1.41%
Veritas Funding0.04%(3.5)1.72%
Intercap Lending0.05%(3.5)6.42%
Cherry Creek Mortgage0.05%(3.0)3.80%
Citywide Home Loans0.07%(3.0)2.29%
Bay Equity Home Loans0.08%(3.0)4.44%
Supreme Lending0.08%(3.0)0.84%
OneTrust Home Loans0.10%(3.0)2.25%
New American Funding0.10%(3.0)2.25%
Academy Mortgage Corporation Utah0.12%(3.0)8.41%
Lender NameRate DifferenceRate RatingMarket Share
State Bank of Southern Utah-0.19%(4.5)3.52%
Provident Funding-0.16%(4.5)3.33%
America First Federal Credit Union-0.13%(4.0)4.64%
Goldenwest Credit Union-0.11%(4.0)0.97%
Atlantic Bay Mortgage Group-0.08%(4.0)0.79%
Mountain America Credit Union-0.08%(4.0)12.45%
Momentum Loans-0.06%(4.0)0.56%
Veritas Funding-0.05%(4.0)1.42%
Patriot Home Mortgage-0.05%(4.0)3.18%
Bank of Utah-0.05%(4.0)0.64%
Cache Valley Bank-0.05%(3.5)1.31%
Zions Bank-0.04%(3.5)2.21%
Fairway Independent Mortgage Corporation-0.04%(3.5)0.67%
Sun American Mortgage-0.01%(3.5)2.77%
Stearns Home Loans-0.01%(3.5)0.86%
First Colony Mortgage Corporation-0.01%(3.5)9.20%
Flagstar Bank-0.01%(3.5)1.61%
USAA-0.00%(3.5)0.19%
loanDepot-0.00%(3.5)2.43%
US Bank-0.00%(3.5)0.71%
Guild Mortgage Company0.00%(3.5)4.38%
American Pacific Mortgage0.01%(3.5)0.30%
Primary Residential Mortgage Inc0.01%(3.5)0.45%
Cherry Creek Mortgage0.01%(3.5)3.14%
JPMorgan Chase Bank0.02%(3.5)1.57%
Caliber Home Loans0.02%(3.5)2.62%
Castle & Cooke Mortgage0.02%(3.5)0.82%
Altabank0.03%(3.5)0.45%
RANLife Home Loans0.04%(3.5)0.64%
New American Funding0.04%(3.5)0.82%
Intercap Lending0.05%(3.5)3.55%
Citywide Home Loans0.05%(3.0)1.16%
Bay Equity Home Loans0.06%(3.0)2.28%
SecurityNational Mortgage Company0.06%(3.0)0.60%
Freedom Mortgage Corporation0.07%(3.0)0.71%
OneTrust Home Loans0.07%(3.0)1.38%
Academy Mortgage Corporation Utah0.07%(3.0)3.70%
Graystone Mortgage0.07%(3.0)0.52%
Wells Fargo Bank0.09%(3.0)2.06%
Supreme Lending0.10%(3.0)1.20%
PennyMac Loan Services0.11%(3.0)1.94%
Quicken Loans0.16%(2.5)11.33%
Mr. Cooper0.19%(2.5)0.93%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.15%(4.5)4.26%
Cherry Creek Mortgage-0.11%(4.0)2.58%
Intercap Lending-0.08%(4.0)7.18%
Sun American Mortgage-0.07%(4.0)4.26%
Stearns Home Loans-0.06%(4.0)1.12%
PennyMac Loan Services-0.05%(4.0)2.36%
Patriot Home Mortgage-0.05%(4.0)0.56%
First Colony Mortgage Corporation-0.04%(3.5)9.20%
Flagstar Bank-0.04%(3.5)0.45%
Cache Valley Bank-0.04%(3.5)0.34%
Bay Equity Home Loans-0.03%(3.5)8.53%
Momentum Loans-0.03%(3.5)0.34%
Altabank-0.03%(3.5)0.11%
Goldenwest Credit Union-0.03%(3.5)0.11%
Mountain America Credit Union-0.03%(3.5)1.23%
Provident Funding-0.02%(3.5)0.11%
Primary Residential Mortgage Inc-0.02%(3.5)1.12%
Bank of Utah-0.02%(3.5)1.12%
New American Funding-0.02%(3.5)5.95%
Atlantic Bay Mortgage Group-0.01%(3.5)0.34%
US Bank-0.01%(3.5)0.11%
The Federal Savings Bank-0.01%(3.5)0.56%
Quicken Loans-0.01%(3.5)4.60%
Graystone Mortgage-0.00%(3.5)0.34%
Supreme Lending-0.00%(3.5)0.45%
America First Federal Credit Union0.00%(3.5)0.45%
Castle & Cooke Mortgage0.01%(3.5)1.35%
RANLife Home Loans0.01%(3.5)0.90%
loanDepot0.01%(3.5)1.01%
JPMorgan Chase Bank0.02%(3.5)0.11%
Wells Fargo Bank0.02%(3.5)0.11%
Freedom Mortgage Corporation0.02%(3.5)1.35%
Guild Mortgage Company0.03%(3.5)12.79%
Mr. Cooper0.03%(3.5)1.91%
American Pacific Mortgage0.04%(3.5)0.90%
OneTrust Home Loans0.05%(3.5)3.59%
Veritas Funding0.05%(3.0)1.12%
Fairway Independent Mortgage Corporation0.06%(3.0)2.24%
SecurityNational Mortgage Company0.06%(3.0)1.23%
Academy Mortgage Corporation Utah0.08%(3.0)7.63%
Citywide Home Loans0.22%(2.5)5.95%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.19%(4.5)4.33%
Cherry Creek Mortgage-0.13%(4.0)3.09%
PennyMac Loan Services-0.10%(4.0)1.39%
Intercap Lending-0.10%(4.0)7.42%
Sun American Mortgage-0.08%(4.0)4.95%
Stearns Home Loans-0.07%(4.0)1.39%
Patriot Home Mortgage-0.06%(4.0)0.77%
Momentum Loans-0.05%(4.0)0.31%
First Colony Mortgage Corporation-0.05%(4.0)9.12%
Flagstar Bank-0.05%(4.0)0.46%
Bay Equity Home Loans-0.04%(3.5)8.66%
Quicken Loans-0.04%(3.5)1.24%
Cache Valley Bank-0.04%(3.5)0.46%
Altabank-0.03%(3.5)0.15%
Goldenwest Credit Union-0.03%(3.5)0.15%
Mountain America Credit Union-0.03%(3.5)0.62%
Primary Residential Mortgage Inc-0.02%(3.5)0.93%
Bank of Utah-0.02%(3.5)1.39%
New American Funding-0.02%(3.5)7.57%
Mr. Cooper-0.02%(3.5)0.15%
Freedom Mortgage Corporation-0.02%(3.5)0.15%
US Bank-0.02%(3.5)0.15%
Supreme Lending-0.01%(3.5)0.31%
Graystone Mortgage-0.01%(3.5)0.31%
America First Federal Credit Union-0.00%(3.5)0.62%
Castle & Cooke Mortgage0.01%(3.5)1.70%
RANLife Home Loans0.02%(3.5)0.77%
American Pacific Mortgage0.04%(3.5)1.08%
OneTrust Home Loans0.05%(3.5)4.17%
Guild Mortgage Company0.05%(3.0)14.22%
Veritas Funding0.05%(3.0)1.39%
Fairway Independent Mortgage Corporation0.06%(3.0)2.63%
SecurityNational Mortgage Company0.07%(3.0)1.55%
Academy Mortgage Corporation Utah0.08%(3.0)9.43%
Citywide Home Loans0.26%(2.0)6.96%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.07%(4.0)9.02%
Caliber Home Loans-0.04%(3.5)4.10%
Sun American Mortgage-0.03%(3.5)2.46%
Intercap Lending-0.02%(3.5)6.56%
First Colony Mortgage Corporation-0.02%(3.5)9.43%
Mountain America Credit Union-0.01%(3.5)2.87%
Bay Equity Home Loans-0.01%(3.5)8.20%
Primary Residential Mortgage Inc-0.01%(3.5)1.64%
Provident Funding-0.01%(3.5)0.41%
PennyMac Loan Services-0.01%(3.5)4.92%
Cherry Creek Mortgage-0.00%(3.5)1.23%
Bank of Utah-0.00%(3.5)0.41%
Flagstar Bank0.00%(3.5)0.41%
Stearns Home Loans0.00%(3.5)0.41%
RANLife Home Loans0.00%(3.5)1.23%
Graystone Mortgage0.00%(3.5)0.41%
Veritas Funding0.00%(3.5)0.41%
Atlantic Bay Mortgage Group0.01%(3.5)1.23%
The Federal Savings Bank0.01%(3.5)2.05%
Momentum Loans0.01%(3.5)0.41%
Supreme Lending0.01%(3.5)0.82%
SecurityNational Mortgage Company0.01%(3.5)0.41%
Castle & Cooke Mortgage0.02%(3.5)0.41%
New American Funding0.02%(3.5)1.64%
Quicken Loans0.02%(3.5)13.52%
American Pacific Mortgage0.02%(3.5)0.41%
Citywide Home Loans0.03%(3.5)3.28%
loanDepot0.03%(3.5)3.69%
OneTrust Home Loans0.03%(3.5)2.05%
JPMorgan Chase Bank0.04%(3.5)0.41%
Wells Fargo Bank0.04%(3.5)0.41%
Academy Mortgage Corporation Utah0.04%(3.5)2.87%
Fairway Independent Mortgage Corporation0.04%(3.5)1.23%
Freedom Mortgage Corporation0.04%(3.5)4.51%
Mr. Cooper0.05%(3.0)6.56%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.07%(4.0)12.63%
US Bank-0.02%(3.5)20.00%
State Bank of Southern Utah-0.00%(3.5)3.16%
Quicken Loans-0.00%(3.5)5.26%
Guild Mortgage Company-0.00%(3.5)2.11%
Mountain America Credit Union-0.00%(3.5)3.16%
New American Funding0.00%(3.5)2.11%
Provident Funding0.00%(3.5)1.05%
Intercap Lending0.00%(3.5)2.11%
Fairway Independent Mortgage Corporation0.00%(3.5)3.16%
Graystone Mortgage0.01%(3.5)1.05%
Patriot Home Mortgage0.01%(3.5)1.05%
Sun American Mortgage0.01%(3.5)1.05%
Supreme Lending0.01%(3.5)2.11%
JPMorgan Chase Bank0.01%(3.5)5.26%
Citywide Home Loans0.01%(3.5)3.16%
Bay Equity Home Loans0.01%(3.5)1.05%
Academy Mortgage Corporation Utah0.01%(3.5)1.05%
SecurityNational Mortgage Company0.02%(3.5)1.05%
Zions Bank0.02%(3.5)1.05%
Bank of Utah0.02%(3.5)1.05%
Cherry Creek Mortgage0.02%(3.5)4.21%
First Colony Mortgage Corporation0.03%(3.5)11.58%
America First Federal Credit Union0.04%(3.5)1.05%
Cache Valley Bank0.04%(3.5)5.26%
Caliber Home Loans0.06%(3.0)4.21%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.07%(4.0)19.15%
US Bank-0.01%(3.5)14.89%
Quicken Loans0.00%(3.5)4.26%
Mountain America Credit Union0.00%(3.5)4.26%
State Bank of Southern Utah0.00%(3.5)6.38%
Fairway Independent Mortgage Corporation0.00%(3.5)4.26%
New American Funding0.01%(3.5)4.26%
Intercap Lending0.01%(3.5)2.13%
First Colony Mortgage Corporation0.01%(3.5)4.26%
JPMorgan Chase Bank0.02%(3.5)4.26%
Supreme Lending0.02%(3.5)2.13%
Academy Mortgage Corporation Utah0.02%(3.5)2.13%
SecurityNational Mortgage Company0.02%(3.5)2.13%
Bank of Utah0.02%(3.5)2.13%
Cherry Creek Mortgage0.03%(3.5)6.38%
Cache Valley Bank0.04%(3.5)10.64%
Caliber Home Loans0.08%(3.0)6.38%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)6.25%
US Bank-0.02%(3.5)25.00%
Guild Mortgage Company-0.01%(3.5)4.17%
Quicken Loans-0.01%(3.5)6.25%
Intercap Lending-0.00%(3.5)2.08%
Provident Funding-0.00%(3.5)2.08%
Supreme Lending-0.00%(3.5)2.08%
Mountain America Credit Union0.00%(3.5)2.08%
Graystone Mortgage0.00%(3.5)2.08%
Patriot Home Mortgage0.00%(3.5)2.08%
Sun American Mortgage0.00%(3.5)2.08%
Cherry Creek Mortgage0.00%(3.5)2.08%
JPMorgan Chase Bank0.00%(3.5)6.25%
Citywide Home Loans0.01%(3.5)6.25%
Bay Equity Home Loans0.01%(3.5)2.08%
Zions Bank0.01%(3.5)2.08%
Fairway Independent Mortgage Corporation0.01%(3.5)2.08%
Caliber Home Loans0.01%(3.5)2.08%
America First Federal Credit Union0.03%(3.5)2.08%
First Colony Mortgage Corporation0.03%(3.5)18.75%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.06%(4.0)3.68%
Mountain America Credit Union-0.05%(4.0)3.13%
loanDepot-0.04%(3.5)6.08%
Wells Fargo Bank-0.03%(3.5)1.10%
PennyMac Loan Services-0.03%(3.5)5.34%
Intercap Lending-0.03%(3.5)3.50%
State Bank of Southern Utah-0.03%(3.5)1.47%
Sun American Mortgage-0.03%(3.5)1.66%
Flagstar Bank-0.03%(3.5)2.39%
New American Funding-0.03%(3.5)4.60%
OneTrust Home Loans-0.03%(3.5)3.31%
Cherry Creek Mortgage-0.02%(3.5)4.05%
Goldenwest Credit Union-0.02%(3.5)0.37%
First Colony Mortgage Corporation-0.02%(3.5)8.47%
Zions Bank-0.02%(3.5)0.55%
USAA-0.02%(3.5)3.87%
US Bank-0.02%(3.5)0.37%
Primary Residential Mortgage Inc-0.02%(3.5)0.18%
Atlantic Bay Mortgage Group-0.02%(3.5)0.37%
Bank of Utah-0.02%(3.5)0.37%
Castle & Cooke Mortgage-0.01%(3.5)0.37%
Momentum Loans-0.01%(3.5)0.18%
Stearns Home Loans-0.01%(3.5)1.66%
Patriot Home Mortgage-0.01%(3.5)6.45%
Graystone Mortgage-0.00%(3.5)0.18%
SecurityNational Mortgage Company-0.00%(3.5)1.10%
Academy Mortgage Corporation Utah-0.00%(3.5)3.87%
Guild Mortgage Company0.01%(3.5)7.00%
RANLife Home Loans0.01%(3.5)0.55%
American Pacific Mortgage0.01%(3.5)0.37%
Veritas Funding0.02%(3.5)2.58%
Fairway Independent Mortgage Corporation0.02%(3.5)0.92%
Freedom Mortgage Corporation0.04%(3.5)2.39%
Mr. Cooper0.05%(3.0)1.10%
The Federal Savings Bank0.07%(3.0)5.52%
Bay Equity Home Loans0.08%(3.0)2.21%
Citywide Home Loans0.11%(3.0)3.87%
Quicken Loans0.12%(3.0)4.79%
Lender NameRate DifferenceRate RatingMarket Share
Mountain America Credit Union-0.08%(4.0)3.04%
First Colony Mortgage Corporation-0.05%(3.5)9.89%
Intercap Lending-0.04%(3.5)5.32%
PennyMac Loan Services-0.04%(3.5)2.66%
Sun American Mortgage-0.03%(3.5)2.28%
State Bank of Southern Utah-0.03%(3.5)1.90%
Cherry Creek Mortgage-0.03%(3.5)5.70%
Caliber Home Loans-0.03%(3.5)1.14%
Wells Fargo Bank-0.03%(3.5)2.28%
New American Funding-0.03%(3.5)6.84%
OneTrust Home Loans-0.03%(3.5)6.08%
Freedom Mortgage Corporation-0.02%(3.5)0.76%
Goldenwest Credit Union-0.02%(3.5)0.76%
Zions Bank-0.02%(3.5)0.76%
USAA-0.02%(3.5)6.08%
Atlantic Bay Mortgage Group-0.02%(3.5)0.38%
Quicken Loans-0.02%(3.5)1.52%
US Bank-0.02%(3.5)0.76%
Primary Residential Mortgage Inc-0.01%(3.5)0.38%
Castle & Cooke Mortgage-0.01%(3.5)0.38%
Bank of Utah-0.01%(3.5)0.38%
Momentum Loans-0.01%(3.5)0.38%
Stearns Home Loans-0.01%(3.5)3.04%
SecurityNational Mortgage Company0.00%(3.5)1.90%
Academy Mortgage Corporation Utah0.02%(3.5)5.32%
Patriot Home Mortgage0.02%(3.5)6.08%
RANLife Home Loans0.02%(3.5)0.38%
Flagstar Bank0.02%(3.5)1.14%
Fairway Independent Mortgage Corporation0.03%(3.5)1.52%
American Pacific Mortgage0.03%(3.5)0.38%
Veritas Funding0.03%(3.5)2.66%
Guild Mortgage Company0.04%(3.5)7.98%
Bay Equity Home Loans0.09%(3.0)4.18%
Citywide Home Loans0.17%(2.5)5.70%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.07%(4.0)6.07%
Flagstar Bank-0.05%(3.5)3.57%
loanDepot-0.04%(3.5)11.79%
Academy Mortgage Corporation Utah-0.04%(3.5)2.50%
Guild Mortgage Company-0.03%(3.5)6.07%
PennyMac Loan Services-0.03%(3.5)7.86%
State Bank of Southern Utah-0.03%(3.5)1.07%
Patriot Home Mortgage-0.03%(3.5)6.79%
Mountain America Credit Union-0.03%(3.5)3.21%
New American Funding-0.02%(3.5)2.50%
Sun American Mortgage-0.02%(3.5)1.07%
Citywide Home Loans-0.02%(3.5)2.14%
SecurityNational Mortgage Company-0.02%(3.5)0.36%
Bank of Utah-0.02%(3.5)0.36%
Stearns Home Loans-0.02%(3.5)0.36%
Zions Bank-0.02%(3.5)0.36%
USAA-0.02%(3.5)1.79%
Atlantic Bay Mortgage Group-0.02%(3.5)0.36%
Castle & Cooke Mortgage-0.02%(3.5)0.36%
OneTrust Home Loans-0.01%(3.5)0.71%
Bay Equity Home Loans-0.01%(3.5)0.36%
Graystone Mortgage-0.01%(3.5)0.36%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.36%
Cherry Creek Mortgage-0.00%(3.5)2.50%
American Pacific Mortgage-0.00%(3.5)0.36%
Veritas Funding-0.00%(3.5)2.50%
RANLife Home Loans0.00%(3.5)0.71%
Intercap Lending0.00%(3.5)1.79%
First Colony Mortgage Corporation0.01%(3.5)7.14%
Mr. Cooper0.05%(3.5)2.14%
Freedom Mortgage Corporation0.05%(3.5)3.93%
The Federal Savings Bank0.06%(3.0)10.71%
Quicken Loans0.14%(3.0)7.86%

* Data is compiled for the St. George, UT commuting zone area, which comprises of counties of Beaver County, UT, Iron County, UT, and Washington County, UT. This includes cities/towns/communities of St. George, UT as well as Washington, UT, Cedar City, UT, Hurricane, UT, Ivins, UT, Enoch, UT, Santa Clara, UT, Hildale, UT, Parowan, UT, La Verkin, UT, Enterprise, UT, Beaver, UT, and Milford, UT. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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