Beaver County, UT Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 437 mortgage applications in Beaver County, UT totaling $61.6 million, down 21% from 2007. The average application was for $140,000, and applicants reported an average income of $68,000. 38% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank, NA, with 85 applications, followed by Citicorp Trust Bank, FSB and Countrywide Bank FSB.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 437 |
| Total Mortgage Loan Application Amount | $61,550,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $655,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 85 | $ 10,364,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 52 | $ 6,382,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 44 | $ 6,756,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 30 | $ 4,497,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 18,453,976,000 | 25 | $ 4,562,000 |
| Ccsf, LLC 8925 S. PECOS RD., SUITE 16-A HENDERSON, NV 89074 |
* | $ 10,000,000 | 20 | $ 2,810,000 |
| Wells Fargo Fin'l Utah, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 17 | $ 2,101,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 12 | $ 2,220,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 12 | $ 2,228,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 11 | $ 749,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ 10,000,000 | 10 | $ 1,817,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 1,113,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 8 | $ 1,589,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 7 | $ 1,112,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 582,736,000 | 7 | $ 1,154,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 2,301,878,000 | 7 | $ 981,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 766,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 6 | $ 819,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 6 | $ 590,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 4 | $ 592,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 4 | $ 551,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 452,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 3 | $ 788,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 2 | $ 468,000 |
| Southwest Community Federal CU 162 NORTH 400 EAST A101 ST. GEORGE, UT 84770 |
* | $ 163,410,000 | 2 | $ 205,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 418,629,000 | 2 | $ 33,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 347,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 2 | $ 471,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 2 | $ 498,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 265,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 194,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 312,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 16,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 2 | $ 367,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 2,118,772,000 | 1 | $ 168,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 174,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 135,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 150,508,000 | 1 | $ 218,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 275,851,000 | 1 | $ 189,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 83,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 16,047,364,000 | 1 | $ 132,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 1 | $ 94,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 148,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 60,000 |
| American Sterling Bank 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 272,321,000 | 1 | $ 201,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 100,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 1 | $ 168,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 163,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 65,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 193,000 |
| Csw Financial LLC dba Titan Wh 7510 LONGLEY LANE RENO, NV 89502 |
* | $ 15,000,000 | 1 | $ 202,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 94,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 7,000 |
| Granite Federal Credit Union 3675 S 900 E SALT LAKE CITY, UT 84106 |
* | $ 240,613,000 | 1 | $ 155,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 4,156,253,000 | 1 | $ 88,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 132,000 |
The tables below break down 2008 mortgage applications in Beaver County, UT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Beaver County, UT in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 284 | $42,589,000 | $149,000 | $450,000 | $72,000 | $655,000 |
| Home Purchase | 112 | $15,418,000 | $137,000 | $765,000 | $62,000 | $438,000 |
| Home Improvement | 41 | $3,543,000 | $86,000 | $237,000 | $53,000 | $155,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 370 | $52,669,000 | $142,000 | $765,000 | $74,000 | $655,000 |
| Not applicable | 33 | $4,869,000 | $147,000 | $388,000 | $4,000 | $159,000 |
| Not Provided | 20 | $2,441,000 | $122,000 | $259,000 | $61,000 | $143,000 |
| Hispanic | 12 | $1,414,000 | $117,000 | $216,000 | $71,000 | $209,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $131,000 | $131,000 | $131,000 | $62,000 | $62,000 |
| American Indian or Alaskan Native | 1 | $26,000 | $26,000 | $26,000 | $40,000 | $40,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 316 | $43,525,000 | $137,000 | $765,000 | $75,000 | $655,000 |
| FHA-insured (Federal Housing Administration) | 80 | $12,622,000 | $157,000 | $264,000 | $61,000 | $455,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $5,280,000 | $132,000 | $186,000 | $24,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 1 | $123,000 | $123,000 | $123,000 | $42,000 | $42,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 167 | $22,284,000 | $133,000 | $388,000 | $75,000 | $650,000 |
| Application Denied By Financial Institution | 112 | $15,970,000 | $142,000 | $765,000 | $77,000 | $455,000 |
| Loan Purchased By The Institution | 63 | $9,668,000 | $153,000 | $388,000 | $30,000 | $159,000 |
| Application Withdrawn By Applicant | 43 | $6,285,000 | $146,000 | $366,000 | $55,000 | $120,000 |
| Application Approved But Not Accepted | 41 | $6,068,000 | $148,000 | $386,000 | $84,000 | $655,000 |
| File Closed For Incompleteness | 11 | $1,275,000 | $115,000 | $255,000 | $68,000 | $180,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 42 | $7,267,000 | $173,000 | $765,000 | $96,000 | $455,000 |
| Credit History | 20 | $2,612,000 | $130,000 | $450,000 | $55,000 | $102,000 |
| Debt-To-Income Ratio | 13 | $1,431,000 | $110,000 | $204,000 | $101,000 | $414,000 |
| Other | 10 | $1,025,000 | $102,000 | $259,000 | $55,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $128,000 | $128,000 | $128,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 1 | $393,000 | $393,000 | $393,000 | $106,000 | $106,000 |
| Credit Application Incomplete | 1 | $56,000 | $56,000 | $56,000 | $34,000 | $34,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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