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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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BANK OF UTAH
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANK OF UTAH |
| Address | 2605 WASHINGTON BOULEVARD
OGDEN, UT 84401 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,300 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $175,841,000 |
| Average Mortgage Loan Amount Applied For | $154,566 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $83,100 |
| Highest Applicant Income | $808,000 |
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| Home Improvement |
34 | $2,423,000 |
$71,000 | $336,000 |
$82,000 | $538,000 |
| Home Purchase |
833 | $100,987,000 |
$121,000 | $580,000 |
$63,000 | $808,000 |
| Refinancing |
433 | $72,431,000 |
$167,000 | $1,500,000 |
$72,000 | $492,000 |
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| American Indian or Alaskan Native |
4 | $576,000 |
$144,000 | $235,000 |
$56,000 | $89,000 |
| Asian |
10 | $1,695,000 |
$169,000 | $338,000 |
$119,000 | $380,000 |
| Black or African American |
6 | $1,139,000 |
$189,000 | $451,000 |
$64,000 | $141,000 |
| Hispanic |
70 | $7,990,000 |
$114,000 | $264,000 |
$47,000 | $114,000 |
| Native Hawaiin or Other Pacific Islander |
5 | $929,000 |
$185,000 | $315,000 |
$70,000 | $123,000 |
| Not applicable |
1 | $134,000 |
$134,000 | $134,000 |
$136,000 | $136,000 |
| Not Provided |
59 | $9,522,000 |
$161,000 | $1,500,000 |
$85,000 | $522,000 |
| White |
1,145 | $153,856,000 |
$134,000 | $1,116,000 |
$66,000 | $808,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
910 | $128,219,000 |
$140,000 | $1,500,000 |
$75,000 | $808,000 |
| FHA-insured (Federal Housing Administration) |
343 | $39,893,000 |
$116,000 | $213,000 |
$45,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
9 | $1,277,000 |
$141,000 | $181,000 |
$46,000 | $57,000 |
| VA-guaranteed (Veterans Administration) |
38 | $6,452,000 |
$169,000 | $367,000 |
$56,000 | $117,000 |
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| Application Approved But Not Accepted |
4 | $475,000 |
$118,000 | $225,000 |
$49,000 | $65,000 |
| Application Denied By Financial Institution |
20 | $2,358,000 |
$117,000 | $333,000 |
$55,000 | $123,000 |
| Application Withdrawn By Applicant |
184 | $28,841,000 |
$156,000 | $1,500,000 |
$76,000 | $492,000 |
| File Closed For Incompleteness |
47 | $5,859,000 |
$124,000 | $250,000 |
$49,000 | $180,000 |
| Loan Originated |
1,045 | $138,308,000 |
$132,000 | $1,116,000 |
$66,000 | $808,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BANK OF UTAH by:
Metropolitan Area And
County
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