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, we provide a data driven ranking of mortgage lenders in the St. George, UT area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the St. George, UT area is Provident Funding Associates, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.17%. This means that Provident Funding Associates provided a -0.17% lower interest rate for its customers than other lenders in St. George, UT for a similar set of borrowers. Provident Funding Associates has a market share of 1.9%. On the other hand, the most popular lender in the market is First Colony Mortgage Corporation, with a market share of 9.1%. First Colony Mortgage Corporation is an average rate lender in this area, with a “Rate Difference” of +0.00% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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 Associates. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), 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 Inc. The cheapest VA mortgage provider is also Caliber Home Loans Inc. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in St. George, UT

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Provident Funding Associates 1, -0.17% 1.89%
America First Federal Credit Union 2, -0.15% 2.97%
State Bank of Southern Utah 3, -0.12% 3.16%
Goldenwest Credit Union 4, -0.10% 0.76%
Mountain America Credit Union 5, -0.10% 7.00%
Atlantic Bay Mortgage Group 6, -0.07% 0.46%
Us Bank 7, -0.05% 0.99%
Zions Bancorporation 8, -0.05% 1.41%
Altabank 9, -0.05% 0.44%
Momentum Loans 10, -0.04% 0.81%
Wells Fargo Bank 11, -0.04% 2.43%
Caliber Home Loans Inc 12, -0.04% 2.76%
Patriot Home Mortgage 13, -0.04% 3.59%
JPMorgan Chase Bank 14, -0.03% 1.24%
Cache Valley Bank 15, -0.02% 1.27%
Usaa Federal Savings Bank 16, -0.01% 0.48%
LoanDepot 17, -0.01% 1.55%
SecurityNational Mortgage Company 18, -0.01% 1.04%
Stearns Lending 19, -0.01% 0.77%
Direct Mortgage Corp 20, -0.01% 0.43%
Flagstar Bank 21, -0.00% 1.02%
American Pacific Mortgage Corporation 22, 0.00% 0.43%
Sun American Mortgage Company 23, 0.00% 3.74%
Fairway Independent Mort Corp 24, 0.00% 1.33%
First Colony Mortgage Corporation 25, 0.00% 9.13%
Guild Mortgage Company 26, 0.01% 7.07%
Bank of Utah 27, 0.01% 0.99%
Veritas Funding 28, 0.01% 1.56%
Primary Residential Mortgage Inc 29, 0.01% 0.51%
Cherry Creek Mortgage Co Inc 30, 0.02% 3.41%
Pennymac Loan Services 31, 0.02% 1.82%
Intercap Lending Inc 32, 0.02% 5.12%
Graystone Mortgage 33, 0.02% 0.52%
Castle & Cooke Mortgage 34, 0.02% 0.94%
RANLife, Inc 35, 0.03% 0.58%
New American Funding 36, 0.04% 2.33%
Bay Equity 37, 0.05% 3.89%
Freedom Mortgage Corporation 38, 0.05% 0.62%
The Federal Savings Bank 39, 0.06% 0.55%
CalCon Mutual Mortgage 40, 0.07% 2.13%
Supreme Lending/ Everett Financial Inc 41, 0.08% 0.90%
Academy Mortgage Corporation 42, 0.10% 6.08%
Quicken Loans 43, 0.10% 6.68%
Nationstar Mortgage 44, 0.12% 0.73%
Citywide Home Loans 45, 0.12% 2.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Provident Funding Associates 1, -0.19% 1.16%
America First Federal Credit Union 2, -0.19% 2.25%
Mountain America Credit Union 3, -0.13% 3.95%
Wells Fargo Bank 4, -0.10% 2.96%
Altabank 5, -0.09% 0.51%
Goldenwest Credit Union 6, -0.08% 0.71%
Us Bank 7, -0.08% 0.99%
State Bank of Southern Utah 8, -0.08% 3.34%
Caliber Home Loans Inc 9, -0.07% 2.58%
JPMorgan Chase Bank 10, -0.07% 1.11%
Pennymac Loan Services 11, -0.06% 1.16%
Atlantic Bay Mortgage Group 12, -0.05% 0.20%
Zions Bancorporation 13, -0.05% 1.04%
Momentum Loans 14, -0.04% 1.09%
SecurityNational Mortgage Company 15, -0.04% 1.44%
Direct Mortgage Corp 16, -0.03% 0.38%
Patriot Home Mortgage 17, -0.03% 3.89%
LoanDepot 18, -0.03% 0.08%
Usaa Federal Savings Bank 19, -0.02% 0.61%
Nationstar Mortgage 20, -0.01% 0.10%
Freedom Mortgage Corporation 21, -0.01% 0.10%
Cache Valley Bank 22, -0.01% 1.44%
Graystone Mortgage 23, -0.01% 0.53%
Stearns Lending 24, -0.01% 0.78%
American Pacific Mortgage Corporation 25, -0.01% 0.53%
Quicken Loans 26, -0.00% 3.03%
Sun American Mortgage Company 27, 0.01% 4.73%
Flagstar Bank 28, 0.01% 0.48%
Fairway Independent Mort Corp 29, 0.01% 1.85%
Guild Mortgage Company 30, 0.01% 8.88%
First Colony Mortgage Corporation 31, 0.01% 9.16%
Primary Residential Mortgage Inc 32, 0.01% 0.53%
Intercap Lending Inc 33, 0.01% 6.42%
Cherry Creek Mortgage Co Inc 34, 0.02% 3.84%
Castle & Cooke Mortgage 35, 0.02% 1.11%
RANLife, Inc 36, 0.02% 0.51%
Bank of Utah 37, 0.03% 1.34%
New American Funding 38, 0.04% 3.44%
Veritas Funding 39, 0.04% 1.69%
Bay Equity 40, 0.05% 5.03%
Supreme Lending/ Everett Financial Inc 41, 0.07% 0.73%
CalCon Mutual Mortgage 42, 0.07% 2.78%
Academy Mortgage Corporation 43, 0.11% 8.27%
Citywide Home Loans 44, 0.15% 3.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
State Bank of Southern Utah 1, -0.18% 2.95%
Provident Funding Associates 2, -0.16% 2.77%
America First Federal Credit Union 3, -0.13% 3.83%
Goldenwest Credit Union 4, -0.11% 0.82%
Mountain America Credit Union 5, -0.08% 10.68%
Atlantic Bay Mortgage Group 6, -0.07% 0.76%
Momentum Loans 7, -0.06% 0.49%
Cache Valley Bank 8, -0.05% 1.06%
Bank of Utah 9, -0.05% 0.58%
Patriot Home Mortgage 10, -0.05% 3.22%
Zions Bancorporation 11, -0.04% 1.86%
Veritas Funding 12, -0.04% 1.40%
Fairway Independent Mort Corp 13, -0.03% 0.70%
Sun American Mortgage Company 14, -0.02% 2.55%
Stearns Lending 15, -0.01% 0.76%
Us Bank 16, -0.01% 1.00%
Guild Mortgage Company 17, -0.01% 4.90%
LoanDepot 18, -0.01% 3.32%
First Colony Mortgage Corporation 19, -0.01% 9.09%
Flagstar Bank 20, -0.01% 1.67%
Usaa Federal Savings Bank 21, -0.00% 0.33%
Caliber Home Loans Inc 22, 0.00% 2.98%
Primary Residential Mortgage Inc 23, 0.01% 0.49%
American Pacific Mortgage Corporation 24, 0.01% 0.30%
Cherry Creek Mortgage Co Inc 25, 0.01% 2.89%
JPMorgan Chase Bank 26, 0.01% 1.40%
Direct Mortgage Corp 27, 0.02% 0.49%
Castle & Cooke Mortgage 28, 0.02% 0.73%
Altabank 29, 0.02% 0.36%
New American Funding 30, 0.03% 1.00%
RANLife, Inc 31, 0.03% 0.67%
Citywide Home Loans 32, 0.03% 1.49%
Intercap Lending Inc 33, 0.03% 3.56%
Bay Equity 34, 0.04% 2.52%
SecurityNational Mortgage Company 35, 0.05% 0.55%
Freedom Mortgage Corporation 36, 0.06% 1.25%
Graystone Mortgage 37, 0.06% 0.52%
CalCon Mutual Mortgage 38, 0.06% 1.34%
Academy Mortgage Corporation 39, 0.06% 3.44%
Pennymac Loan Services 40, 0.06% 2.62%
The Federal Savings Bank 41, 0.07% 1.22%
Wells Fargo Bank 42, 0.08% 1.79%
Supreme Lending/ Everett Financial Inc 43, 0.08% 1.09%
Nationstar Mortgage 44, 0.13% 1.49%
Quicken Loans 45, 0.14% 11.07%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Provident Funding Associates 1, -0.17% 2.38%
America First Federal Credit Union 2, -0.16% 3.70%
State Bank of Southern Utah 3, -0.13% 3.84%
Goldenwest Credit Union 4, -0.10% 0.90%
Mountain America Credit Union 5, -0.10% 8.38%
Atlantic Bay Mortgage Group 6, -0.08% 0.49%
Us Bank 7, -0.06% 0.84%
Zions Bancorporation 8, -0.04% 1.72%
Altabank 9, -0.04% 0.55%
Patriot Home Mortgage 10, -0.04% 3.84%
Momentum Loans 11, -0.04% 0.97%
Wells Fargo Bank 12, -0.04% 2.76%
SecurityNational Mortgage Company 13, -0.03% 0.99%
JPMorgan Chase Bank 14, -0.03% 1.48%
Cache Valley Bank 15, -0.02% 1.48%
Usaa Federal Savings Bank 16, -0.02% 0.23%
American Pacific Mortgage Corporation 17, -0.02% 0.37%
Fairway Independent Mort Corp 18, -0.02% 1.20%
LoanDepot 19, -0.01% 1.21%
Caliber Home Loans Inc 20, -0.01% 2.43%
Direct Mortgage Corp 21, -0.01% 0.37%
Guild Mortgage Company 22, -0.00% 6.28%
Stearns Lending 23, 0.00% 0.65%
Flagstar Bank 24, 0.00% 1.00%
Veritas Funding 25, 0.00% 1.57%
First Colony Mortgage Corporation 26, 0.01% 9.17%
Bank of Utah 27, 0.01% 1.04%
Sun American Mortgage Company 28, 0.02% 3.92%
Primary Residential Mortgage Inc 29, 0.02% 0.46%
Graystone Mortgage 30, 0.03% 0.58%
Castle & Cooke Mortgage 31, 0.03% 0.95%
RANLife, Inc 32, 0.03% 0.55%
Cherry Creek Mortgage Co Inc 33, 0.03% 3.47%
Intercap Lending Inc 34, 0.05% 5.03%
Pennymac Loan Services 35, 0.05% 1.44%
Freedom Mortgage Corporation 36, 0.06% 0.35%
Citywide Home Loans 37, 0.06% 1.76%
Bay Equity 38, 0.07% 3.40%
Supreme Lending/ Everett Financial Inc 39, 0.09% 1.00%
CalCon Mutual Mortgage 40, 0.09% 1.83%
New American Funding 41, 0.09% 1.57%
Academy Mortgage Corporation 42, 0.11% 6.16%
Quicken Loans 43, 0.12% 7.21%
Nationstar Mortgage 44, 0.17% 0.51%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
America First Federal Credit Union 1, -0.20% 2.84%
Provident Funding Associates 2, -0.19% 1.54%
Mountain America Credit Union 3, -0.13% 4.75%
Wells Fargo Bank 4, -0.10% 3.41%
Us Bank 5, -0.10% 0.97%
Goldenwest Credit Union 6, -0.09% 0.84%
Altabank 7, -0.09% 0.64%
State Bank of Southern Utah 8, -0.08% 4.15%
JPMorgan Chase Bank 9, -0.07% 1.41%
SecurityNational Mortgage Company 10, -0.07% 1.34%
Atlantic Bay Mortgage Group 11, -0.05% 0.23%
Pennymac Loan Services 12, -0.05% 1.00%
Zions Bancorporation 13, -0.04% 1.30%
Direct Mortgage Corp 14, -0.04% 0.33%
American Pacific Mortgage Corporation 15, -0.04% 0.43%
Caliber Home Loans Inc 16, -0.04% 2.28%
Patriot Home Mortgage 17, -0.04% 4.45%
Usaa Federal Savings Bank 18, -0.04% 0.27%
Momentum Loans 19, -0.03% 1.34%
LoanDepot 20, -0.03% 0.10%
Nationstar Mortgage 21, -0.01% 0.10%
Fairway Independent Mort Corp 22, -0.01% 1.67%
Guild Mortgage Company 23, -0.01% 7.96%
Cache Valley Bank 24, -0.01% 1.64%
Graystone Mortgage 25, -0.01% 0.64%
Quicken Loans 26, 0.00% 3.55%
Freedom Mortgage Corporation 27, 0.00% 0.03%
Flagstar Bank 28, 0.02% 0.43%
Stearns Lending 29, 0.02% 0.47%
RANLife, Inc 30, 0.02% 0.47%
Sun American Mortgage Company 31, 0.03% 4.98%
Primary Residential Mortgage Inc 32, 0.03% 0.47%
Castle & Cooke Mortgage 33, 0.03% 1.07%
First Colony Mortgage Corporation 34, 0.03% 9.20%
Bank of Utah 35, 0.04% 1.41%
Veritas Funding 36, 0.04% 1.71%
Intercap Lending Inc 37, 0.05% 6.39%
Cherry Creek Mortgage Co Inc 38, 0.05% 3.78%
Citywide Home Loans 39, 0.07% 2.28%
Bay Equity 40, 0.08% 4.42%
Supreme Lending/ Everett Financial Inc 41, 0.08% 0.84%
CalCon Mutual Mortgage 42, 0.10% 2.24%
New American Funding 43, 0.10% 2.24%
Academy Mortgage Corporation 44, 0.12% 8.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
State Bank of Southern Utah 1, -0.19% 3.49%
Provident Funding Associates 2, -0.16% 3.30%
America First Federal Credit Union 3, -0.13% 4.64%
Goldenwest Credit Union 4, -0.11% 0.97%
Atlantic Bay Mortgage Group 5, -0.08% 0.78%
Mountain America Credit Union 6, -0.08% 12.40%
Momentum Loans 7, -0.06% 0.56%
Veritas Funding 8, -0.05% 1.41%
Patriot Home Mortgage 9, -0.05% 3.16%
Bank of Utah 10, -0.05% 0.63%
Cache Valley Bank 11, -0.05% 1.30%
Zions Bancorporation 12, -0.04% 2.19%
Fairway Independent Mort Corp 13, -0.04% 0.67%
Sun American Mortgage Company 14, -0.01% 2.75%
Stearns Lending 15, -0.01% 0.85%
First Colony Mortgage Corporation 16, -0.01% 9.13%
LoanDepot 17, -0.01% 2.45%
Usaa Federal Savings Bank 18, -0.00% 0.19%
Flagstar Bank 19, -0.00% 1.63%
Us Bank 20, -0.00% 0.71%
Guild Mortgage Company 21, 0.00% 4.42%
American Pacific Mortgage Corporation 22, 0.01% 0.30%
Cherry Creek Mortgage Co Inc 23, 0.01% 3.12%
Primary Residential Mortgage Inc 24, 0.01% 0.45%
JPMorgan Chase Bank 25, 0.02% 1.56%
Caliber Home Loans Inc 26, 0.02% 2.60%
Direct Mortgage Corp 27, 0.02% 0.41%
Castle & Cooke Mortgage 28, 0.02% 0.82%
Altabank 29, 0.03% 0.45%
RANLife, Inc 30, 0.04% 0.63%
New American Funding 31, 0.04% 0.82%
Citywide Home Loans 32, 0.04% 1.19%
Intercap Lending Inc 33, 0.05% 3.53%
Bay Equity 34, 0.06% 2.26%
SecurityNational Mortgage Company 35, 0.06% 0.59%
Freedom Mortgage Corporation 36, 0.07% 0.71%
CalCon Mutual Mortgage 37, 0.07% 1.37%
Academy Mortgage Corporation 38, 0.07% 3.67%
Graystone Mortgage 39, 0.07% 0.52%
Wells Fargo Bank 40, 0.09% 2.04%
Supreme Lending/ Everett Financial Inc 41, 0.10% 1.19%
Pennymac Loan Services 42, 0.11% 1.93%
Quicken Loans 43, 0.16% 11.28%
Nationstar Mortgage 44, 0.20% 0.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.15% 4.23%
Cherry Creek Mortgage Co Inc 2, -0.11% 2.56%
Intercap Lending Inc 3, -0.08% 7.13%
Sun American Mortgage Company 4, -0.07% 4.23%
Stearns Lending 5, -0.06% 1.11%
Pennymac Loan Services 6, -0.05% 2.34%
Patriot Home Mortgage 7, -0.05% 0.56%
First Colony Mortgage Corporation 8, -0.04% 9.13%
Flagstar Bank 9, -0.04% 0.45%
Cache Valley Bank 10, -0.04% 0.33%
Bay Equity 11, -0.03% 8.46%
Momentum Loans 12, -0.03% 0.33%
Altabank 13, -0.03% 0.11%
Goldenwest Credit Union 14, -0.03% 0.11%
Mountain America Credit Union 15, -0.03% 1.22%
Provident Funding Associates 16, -0.02% 0.11%
Primary Residential Mortgage Inc 17, -0.02% 1.11%
Bank of Utah 18, -0.02% 1.11%
New American Funding 19, -0.02% 5.90%
Atlantic Bay Mortgage Group 20, -0.01% 0.33%
Direct Mortgage Corp 21, -0.01% 0.67%
Us Bank 22, -0.01% 0.11%
The Federal Savings Bank 23, -0.01% 0.56%
Quicken Loans 24, -0.01% 4.57%
Graystone Mortgage 25, -0.00% 0.33%
Supreme Lending/ Everett Financial Inc 26, -0.00% 0.45%
America First Federal Credit Union 27, 0.00% 0.45%
Castle & Cooke Mortgage 28, 0.01% 1.34%
LoanDepot 29, 0.01% 1.00%
RANLife, Inc 30, 0.01% 0.89%
JPMorgan Chase Bank 31, 0.02% 0.11%
Wells Fargo Bank 32, 0.02% 0.11%
Freedom Mortgage Corporation 33, 0.02% 1.34%
Guild Mortgage Company 34, 0.03% 12.69%
American Pacific Mortgage Corporation 35, 0.04% 0.89%
Nationstar Mortgage 36, 0.05% 2.00%
CalCon Mutual Mortgage 37, 0.05% 3.56%
Veritas Funding 38, 0.05% 1.11%
Fairway Independent Mort Corp 39, 0.06% 2.23%
SecurityNational Mortgage Company 40, 0.06% 1.22%
Academy Mortgage Corporation 41, 0.08% 7.57%
Citywide Home Loans 42, 0.22% 5.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.19% 4.31%
Cherry Creek Mortgage Co Inc 2, -0.13% 3.08%
Pennymac Loan Services 3, -0.10% 1.38%
Intercap Lending Inc 4, -0.10% 7.38%
Sun American Mortgage Company 5, -0.08% 4.92%
Stearns Lending 6, -0.07% 1.38%
Patriot Home Mortgage 7, -0.06% 0.77%
Momentum Loans 8, -0.05% 0.31%
First Colony Mortgage Corporation 9, -0.05% 9.08%
Flagstar Bank 10, -0.05% 0.46%
Bay Equity 11, -0.04% 8.62%
Quicken Loans 12, -0.04% 1.23%
Cache Valley Bank 13, -0.04% 0.46%
Altabank 14, -0.03% 0.15%
Goldenwest Credit Union 15, -0.03% 0.15%
Mountain America Credit Union 16, -0.03% 0.62%
Direct Mortgage Corp 17, -0.03% 0.46%
Primary Residential Mortgage Inc 18, -0.02% 0.92%
Bank of Utah 19, -0.02% 1.38%
New American Funding 20, -0.02% 7.54%
Nationstar Mortgage 21, -0.02% 0.15%
Freedom Mortgage Corporation 22, -0.02% 0.15%
Us Bank 23, -0.02% 0.15%
Supreme Lending/ Everett Financial Inc 24, -0.01% 0.31%
Graystone Mortgage 25, -0.01% 0.31%
America First Federal Credit Union 26, -0.00% 0.62%
Castle & Cooke Mortgage 27, 0.01% 1.69%
RANLife, Inc 28, 0.02% 0.77%
American Pacific Mortgage Corporation 29, 0.04% 1.08%
CalCon Mutual Mortgage 30, 0.05% 4.15%
Guild Mortgage Company 31, 0.05% 14.15%
Veritas Funding 32, 0.06% 1.38%
Fairway Independent Mort Corp 33, 0.06% 2.62%
SecurityNational Mortgage Company 34, 0.07% 1.54%
Academy Mortgage Corporation 35, 0.08% 9.38%
Citywide Home Loans 36, 0.26% 6.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.07% 8.87%
Caliber Home Loans Inc 2, -0.04% 4.03%
Sun American Mortgage Company 3, -0.03% 2.42%
Intercap Lending Inc 4, -0.02% 6.45%
First Colony Mortgage Corporation 5, -0.02% 9.27%
Bay Equity 6, -0.01% 8.06%
Mountain America Credit Union 7, -0.01% 2.82%
Primary Residential Mortgage Inc 8, -0.01% 1.61%
Provident Funding Associates 9, -0.01% 0.40%
Pennymac Loan Services 10, -0.01% 4.84%
Cherry Creek Mortgage Co Inc 11, -0.00% 1.21%
Bank of Utah 12, -0.00% 0.40%
Flagstar Bank 13, -0.00% 0.40%
Stearns Lending 14, 0.00% 0.40%
Graystone Mortgage 15, 0.00% 0.40%
RANLife, Inc 16, 0.00% 1.21%
Veritas Funding 17, 0.00% 0.40%
Atlantic Bay Mortgage Group 18, 0.00% 1.21%
The Federal Savings Bank 19, 0.01% 2.02%
Momentum Loans 20, 0.01% 0.40%
Supreme Lending/ Everett Financial Inc 21, 0.01% 0.81%
SecurityNational Mortgage Company 22, 0.01% 0.40%
Castle & Cooke Mortgage 23, 0.01% 0.40%
Quicken Loans 24, 0.01% 13.31%
New American Funding 25, 0.01% 1.61%
Direct Mortgage Corp 26, 0.02% 1.21%
American Pacific Mortgage Corporation 27, 0.02% 0.40%
Citywide Home Loans 28, 0.03% 3.23%
LoanDepot 29, 0.03% 3.63%
CalCon Mutual Mortgage 30, 0.03% 2.02%
JPMorgan Chase Bank 31, 0.04% 0.40%
Wells Fargo Bank 32, 0.04% 0.40%
Academy Mortgage Corporation 33, 0.04% 2.82%
Fairway Independent Mort Corp 34, 0.04% 1.21%
Freedom Mortgage Corporation 35, 0.04% 4.44%
Nationstar Mortgage 36, 0.06% 6.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.07% 11.32%
Us Bank 2, -0.02% 19.81%
Mountain America Credit Union 3, -0.01% 2.83%
State Bank of Southern Utah 4, -0.00% 2.83%
Quicken Loans 5, -0.00% 5.66%
Goldenwest Credit Union 6, -0.00% 0.94%
Guild Mortgage Company 7, 0.00% 1.89%
New American Funding 8, 0.00% 1.89%
Fairway Independent Mort Corp 9, 0.00% 2.83%
Intercap Lending Inc 10, 0.00% 1.89%
Provident Funding Associates 11, 0.01% 0.94%
Graystone Mortgage 12, 0.01% 0.94%
Sun American Mortgage Company 13, 0.01% 0.94%
Citywide Home Loans 14, 0.01% 2.83%
JPMorgan Chase Bank 15, 0.01% 4.72%
Bank of Utah 16, 0.01% 0.94%
Patriot Home Mortgage 17, 0.02% 1.89%
LoanDepot 18, 0.02% 0.94%
Cherry Creek Mortgage Co Inc 19, 0.02% 4.72%
Academy Mortgage Corporation 20, 0.02% 0.94%
Bay Equity 21, 0.02% 0.94%
Zions Bancorporation 22, 0.02% 0.94%
Supreme Lending/ Everett Financial Inc 23, 0.03% 3.77%
SecurityNational Mortgage Company 24, 0.03% 1.89%
Cache Valley Bank 25, 0.03% 4.72%
First Colony Mortgage Corporation 26, 0.04% 11.32%
America First Federal Credit Union 27, 0.04% 0.94%
Caliber Home Loans Inc 28, 0.06% 3.77%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.08% 18.00%
Us Bank 2, -0.02% 14.00%
Mountain America Credit Union 3, -0.00% 4.00%
Quicken Loans 4, -0.00% 4.00%
Fairway Independent Mort Corp 5, 0.00% 4.00%
State Bank of Southern Utah 6, 0.00% 6.00%
New American Funding 7, 0.01% 4.00%
Intercap Lending Inc 8, 0.01% 2.00%
First Colony Mortgage Corporation 9, 0.01% 4.00%
JPMorgan Chase Bank 10, 0.02% 4.00%
Bank of Utah 11, 0.02% 2.00%
Academy Mortgage Corporation 12, 0.03% 2.00%
Cherry Creek Mortgage Co Inc 13, 0.03% 8.00%
SecurityNational Mortgage Company 14, 0.04% 4.00%
Cache Valley Bank 15, 0.04% 10.00%
Supreme Lending/ Everett Financial Inc 16, 0.05% 4.00%
Caliber Home Loans Inc 17, 0.08% 6.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.04% 5.36%
Us Bank 2, -0.03% 25.00%
Goldenwest Credit Union 3, -0.01% 1.79%
Guild Mortgage Company 4, -0.01% 3.57%
Quicken Loans 5, -0.00% 7.14%
Intercap Lending Inc 6, -0.00% 1.79%
Provident Funding Associates 7, 0.00% 1.79%
Mountain America Credit Union 8, 0.00% 1.79%
Graystone Mortgage 9, 0.00% 1.79%
Sun American Mortgage Company 10, 0.00% 1.79%
Citywide Home Loans 11, 0.00% 5.36%
Cherry Creek Mortgage Co Inc 12, 0.00% 1.79%
Supreme Lending/ Everett Financial Inc 13, 0.01% 3.57%
JPMorgan Chase Bank 14, 0.01% 5.36%
Patriot Home Mortgage 15, 0.01% 3.57%
LoanDepot 16, 0.01% 1.79%
Bay Equity 17, 0.01% 1.79%
Zions Bancorporation 18, 0.01% 1.79%
Fairway Independent Mort Corp 19, 0.01% 1.79%
Caliber Home Loans Inc 20, 0.02% 1.79%
America First Federal Credit Union 21, 0.03% 1.79%
First Colony Mortgage Corporation 22, 0.04% 17.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.06% 3.60%
Mountain America Credit Union 2, -0.05% 3.06%
LoanDepot 3, -0.04% 5.95%
Pennymac Loan Services 4, -0.03% 5.23%
Wells Fargo Bank 5, -0.03% 1.08%
Intercap Lending Inc 6, -0.03% 3.42%
State Bank of Southern Utah 7, -0.03% 1.44%
Sun American Mortgage Company 8, -0.03% 1.62%
Flagstar Bank 9, -0.03% 2.34%
New American Funding 10, -0.03% 4.50%
CalCon Mutual Mortgage 11, -0.03% 3.24%
Cherry Creek Mortgage Co Inc 12, -0.02% 3.96%
Direct Mortgage Corp 13, -0.02% 0.72%
Goldenwest Credit Union 14, -0.02% 0.36%
First Colony Mortgage Corporation 15, -0.02% 8.29%
Usaa Federal Savings Bank 16, -0.02% 3.96%
Zions Bancorporation 17, -0.02% 0.54%
Us Bank 18, -0.02% 0.36%
Primary Residential Mortgage Inc 19, -0.02% 0.18%
Atlantic Bay Mortgage Group 20, -0.02% 0.36%
Bank of Utah 21, -0.02% 0.36%
Castle & Cooke Mortgage 22, -0.01% 0.36%
Momentum Loans 23, -0.01% 0.18%
Stearns Lending 24, -0.01% 1.62%
Patriot Home Mortgage 25, -0.01% 6.31%
Graystone Mortgage 26, -0.00% 0.18%
SecurityNational Mortgage Company 27, -0.00% 1.08%
Academy Mortgage Corporation 28, -0.00% 3.78%
Guild Mortgage Company 29, 0.00% 7.03%
RANLife, Inc 30, 0.01% 0.54%
American Pacific Mortgage Corporation 31, 0.01% 0.36%
Veritas Funding 32, 0.02% 2.52%
Fairway Independent Mort Corp 33, 0.02% 0.90%
Freedom Mortgage Corporation 34, 0.04% 2.34%
Nationstar Mortgage 35, 0.05% 1.08%
The Federal Savings Bank 36, 0.06% 6.31%
Bay Equity 37, 0.08% 2.16%
Quicken Loans 38, 0.11% 4.86%
Citywide Home Loans 39, 0.11% 3.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Mountain America Credit Union 1, -0.08% 3.02%
First Colony Mortgage Corporation 2, -0.04% 9.81%
Intercap Lending Inc 3, -0.04% 5.28%
Pennymac Loan Services 4, -0.04% 2.64%
Sun American Mortgage Company 5, -0.03% 2.26%
State Bank of Southern Utah 6, -0.03% 1.89%
Cherry Creek Mortgage Co Inc 7, -0.03% 5.66%
Caliber Home Loans Inc 8, -0.03% 1.13%
Wells Fargo Bank 9, -0.03% 2.26%
New American Funding 10, -0.03% 6.79%
CalCon Mutual Mortgage 11, -0.03% 6.04%
Direct Mortgage Corp 12, -0.02% 0.75%
Freedom Mortgage Corporation 13, -0.02% 0.75%
Goldenwest Credit Union 14, -0.02% 0.75%
Zions Bancorporation 15, -0.02% 0.75%
Usaa Federal Savings Bank 16, -0.02% 6.04%
Atlantic Bay Mortgage Group 17, -0.02% 0.38%
Quicken Loans 18, -0.02% 1.51%
Us Bank 19, -0.02% 0.75%
Primary Residential Mortgage Inc 20, -0.01% 0.38%
Castle & Cooke Mortgage 21, -0.01% 0.38%
Bank of Utah 22, -0.01% 0.38%
Momentum Loans 23, -0.01% 0.38%
Stearns Lending 24, -0.01% 3.02%
SecurityNational Mortgage Company 25, 0.00% 1.89%
Academy Mortgage Corporation 26, 0.02% 5.28%
Patriot Home Mortgage 27, 0.02% 6.04%
RANLife, Inc 28, 0.02% 0.38%
Flagstar Bank 29, 0.02% 1.13%
Fairway Independent Mort Corp 30, 0.03% 1.51%
American Pacific Mortgage Corporation 31, 0.03% 0.38%
Veritas Funding 32, 0.03% 2.64%
Guild Mortgage Company 33, 0.04% 7.92%
Bay Equity 34, 0.09% 4.15%
Citywide Home Loans 35, 0.17% 5.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.07% 5.86%
Flagstar Bank 2, -0.05% 3.45%
LoanDepot 3, -0.04% 11.38%
Guild Mortgage Company 4, -0.04% 6.21%
Academy Mortgage Corporation 5, -0.04% 2.41%
Pennymac Loan Services 6, -0.03% 7.59%
State Bank of Southern Utah 7, -0.03% 1.03%
Patriot Home Mortgage 8, -0.03% 6.55%
Mountain America Credit Union 9, -0.03% 3.10%
New American Funding 10, -0.02% 2.41%
Direct Mortgage Corp 11, -0.02% 0.69%
Sun American Mortgage Company 12, -0.02% 1.03%
Usaa Federal Savings Bank 13, -0.02% 2.07%
SecurityNational Mortgage Company 14, -0.02% 0.34%
Citywide Home Loans 15, -0.02% 2.07%
Bank of Utah 16, -0.02% 0.34%
Stearns Lending 17, -0.02% 0.34%
Zions Bancorporation 18, -0.02% 0.34%
Atlantic Bay Mortgage Group 19, -0.02% 0.34%
Castle & Cooke Mortgage 20, -0.02% 0.34%
CalCon Mutual Mortgage 21, -0.01% 0.69%
Bay Equity 22, -0.01% 0.34%
Fairway Independent Mort Corp 23, -0.01% 0.34%
Graystone Mortgage 24, -0.01% 0.34%
Cherry Creek Mortgage Co Inc 25, -0.00% 2.41%
Veritas Funding 26, -0.00% 2.41%
American Pacific Mortgage Corporation 27, -0.00% 0.34%
RANLife, Inc 28, 0.00% 0.69%
Intercap Lending Inc 29, 0.00% 1.72%
First Colony Mortgage Corporation 30, 0.01% 6.90%
Freedom Mortgage Corporation 31, 0.05% 3.79%
Nationstar Mortgage 32, 0.05% 2.07%
The Federal Savings Bank 33, 0.06% 12.07%
Quicken Loans 34, 0.13% 7.93%

* 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 for the data comes from 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 based on the MSA, 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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