Carbon County, UT Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 741 mortgage applications in Carbon County, UT totaling $97.6 million, up 2% from 2014. The average application was for $131,000, and applicants reported an average income of $57,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Bank of Utah, with 118 applications, followed by Wells Fargo Bank NA and Guild Mortgage Company.

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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 741
Total Mortgage Loan Application Amount $97,612,000
Average Mortgage Loan Application Amount $131,000
Highest Mortgage Loan Application Amount $960,000
Average Applicant Income $57,000
Highest Applicant Income $1,200,000

Mortgage Company List for Lending in Carbon County, UT for 2015

* 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
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ 857,469,000 118 $ 13,083,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 58 $ 7,651,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 50 $ 6,274,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 4,185,567,000 43 $ 5,462,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 2,047,499,000 36 $ 2,539,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 34 $ 5,235,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 25 $ 3,276,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 19,078,815,000 22 $ 3,637,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 21 $ 2,179,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 19 $ 2,654,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 18 $ 2,921,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 17 $ 2,002,000
Utah Power Credit Union
957 E 6600 S
SALT LAKE CITY, UT 84121
* $ 535,161,000 17 $ 2,218,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 6,387,265,000 15 $ 1,732,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 14,493,978,000 14 $ 2,611,000
Cache Valley Bank
101 NORTH MAIN
LOGAN, UT 84321
* $ 834,530,000 13 $ 1,589,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ 10,000,000 12 $ 2,075,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 10 $ 1,699,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 9 $ 1,531,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 8 $ 1,457,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 7 $ 467,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 6 $ 657,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ 10,000,000 5 $ 448,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 5 $ 756,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 5 $ 405,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 4 $ 410,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 4 $ 529,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 4 $ 443,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 4 $ 662,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 381,000
Security Home Mortgage
576 SOUTH STATE STREET
OREM, UT 84058
* $ 10,000,000 3 $ 491,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 3 $ 56,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 8,306,659,000 3 $ 1,226,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 3 $ 526,000
International City Mortgage, Inc.
333 S ANITA DR, STE 300
ORANGE, CA 92868
* $ 2,589,000 3 $ 499,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 479,000
Altabank
33 E MAIN
AMERICAN FORK, UT 84003
* $ 1,079,951,000 3 $ 382,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 3 $ 346,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 2 $ 229,000
Graystone Funding Company, LLC
1966 EAST 6200 SOUTH
SALT LAKE CITY, UT 84121
* $ 19,815,084,000 2 $ 406,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 491,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 2 $ 171,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 284,000
Utah Community Credit Union
188 WEST RIVER PARK DRIVE
PROVO, UT 84604
* $ 942,411,000 2 $ 357,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 2 $ 313,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 409,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 2 $ 60,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 200,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 2 $ 236,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 2 $ 346,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 2 $ 140,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 2 $ 276,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 2 $ 692,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 326,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ 12,500,000 2 $ 395,000
Axiom Financial LLC
9350 SOUTH 150 EAST SUITE 140
SANDY, UT 84070
* $ 10,000,000 2 $ 422,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 2 $ 212,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 2 $ 367,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 274,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 242,000
Utah Mortgage Loan Corp
488 E 6400 S, 300
SALT LAKE CITY, UT 84107
* $ 10,000,000 2 $ 186,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 2 $ 372,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 81,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 327,000
Wasatch Peaks Federal Credit Union
4723 HARRISON BLVD
OGDEN, UT 84403
* $ 261,026,000 1 $ 335,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 114,000
First Utah Bank
3826 S 2300 E
SALT LAKE CITY, UT 84109
* $ 346,434,000 1 $ 151,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 1 $ 143,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 348,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 1 $ 73,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 1 $ 181,000
Transwest Credit Union
37 WEST 1700 SOUTH
SALT LAKE CITY, UT 84115
* $ 116,724,000 1 $ 38,000
Goldenwest Federal Credit Union
5025 ADAMS AVE
OGDEN, UT 84403
* $ 1,054,343,000 1 $ 64,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 727,505,000 1 $ 120,000
Rock Canyon Bank
215 W 2230 NORTH
PROVO, UT 84604
* $ 217,119,000 1 $ 156,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 1 $ 105,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 145,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 262,000
Castle Mortgage Corporation
10251 VISTA SORRENTO PKWY, STE. 225
WILMINGTON, DE 92121
* $ 18,039,000 1 $ 155,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 1 $ 87,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 1 $ 292,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 338,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 1 $ 258,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 1 $ 276,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 186,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 167,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 221,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 120,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 85,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 80,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 104,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 1 $ 245,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 149,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 143,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ 3,777,000 1 $ 109,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ 4,028,990,000 1 $ 76,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ 10,000,000 1 $ 221,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ 435,000,000 1 $ 75,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 1 $ 191,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 63,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 27,000

The tables below break down 2015 mortgage applications in Carbon 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 Carbon County, UT in 2015

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
Home Purchase 365 $51,143,000 $140,000 $960,000 $54,000 $447,000
Refinancing 340 $44,283,000 $130,000 $720,000 $60,000 $1,200,000
Home Improvement 36 $2,186,000 $60,000 $237,000 $65,000 $367,000

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 564 $75,418,000 $133,000 $960,000 $66,000 $1,200,000
Not applicable 85 $12,079,000 $142,000 $346,000 $6,000 $102,000
Hispanic 51 $5,298,000 $103,000 $288,000 $47,000 $124,000
Not Provided 38 $4,472,000 $117,000 $283,000 $60,000 $312,000
Native Hawaiian or Other Pacific Islander 1 $45,000 $45,000 $45,000 $13,000 $13,000
American Indian or Alaskan Native 1 $226,000 $226,000 $226,000 $73,000 $73,000
Asian 1 $74,000 $74,000 $74,000 $42,000 $42,000
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) 441 $54,986,000 $124,000 $960,000 $70,000 $1,200,000
FHA-insured (Federal Housing Administration) 188 $24,784,000 $131,000 $348,000 $40,000 $225,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 66 $9,294,000 $140,000 $278,000 $29,000 $81,000
VA-guaranteed (Veterans Administration) 46 $8,548,000 $185,000 $403,000 $44,000 $120,000

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 389 $51,575,000 $132,000 $960,000 $61,000 $581,000
Application Denied By Financial Institution 126 $13,596,000 $107,000 $348,000 $56,000 $600,000
Loan Purchased By The Institution 114 $16,504,000 $144,000 $346,000 $20,000 $207,000
Application Withdrawn By Applicant 70 $9,254,000 $132,000 $390,000 $95,000 $1,200,000
File Closed For Incompleteness 26 $4,539,000 $174,000 $403,000 $75,000 $367,000
Application Approved But Not Accepted 16 $2,144,000 $134,000 $343,000 $54,000 $127,000
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
Credit History 22 $1,832,000 $83,000 $230,000 $46,000 $95,000
Collateral 19 $2,305,000 $121,000 $348,000 $61,000 $95,000
Debt-To-Income Ratio 15 $2,150,000 $143,000 $338,000 $44,000 $104,000
Credit Application Incomplete 11 $848,000 $77,000 $143,000 $44,000 $82,000
Unverifiable Information 10 $965,000 $96,000 $226,000 $78,000 $177,000
Other 7 $956,000 $136,000 $240,000 $51,000 $68,000
Insufficient Cash (Downpayment, Closing Cost) 1 $140,000 $140,000 $140,000 $77,000 $77,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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