Emery County, UT Mortgage Lenders & HMDA Data, 2004

In 2004, lenders reported 710 mortgage applications in Emery County, UT totaling $52.6 million, down 12% from 2003. The average application was for $74,000, and applicants reported an average income of $47,000. 45% of applications resulted in an originated loan and 21% were denied. The most active lender was Zions First National Bank, with 112 applications, followed by Countrywide Home Loans and Bank of Utah.

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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 710
Total Mortgage Loan Application Amount $52,637,000
Average Mortgage Loan Application Amount $74,000
Highest Mortgage Loan Application Amount $320,000
Average Applicant Income $47,000
Highest Applicant Income $540,000

Mortgage Company List for Lending in Emery County, UT for 2004

* 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
Zions First National Bank
ONE S MAIN ST 11TH FL
SALT LAKE CITY, UT 84133
* $ 10,650,635,000 112 $ 6,319,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 97,957,619,000 56 $ 4,397,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ 537,150,000 48 $ 3,845,000
Ameriquest Mortgage Company
1100 TOWN & COUNTRY ROAD
ORANGE, CA 92868
* $ 10,000,000 41 $ 3,997,000
Utah Power Credit Union
957 E 6600 S
SALT LAKE CITY, UT 84121
* $ 207,895,000 30 $ 1,983,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 250,474,000,000 23 $ 1,595,000
Hfc
140 INDUSTRIAL DRIVE
ELMHURST, IL 60126
* $ 10,000,000 23 $ 1,909,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 14,165,872,000 20 $ 1,374,000
New Century Mortgage Corporati
18400 VON KARMAN AVE., SUITE 1000
IRVINE, CA 92612
* $ 10,000,000 19 $ 1,587,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 18 $ 1,278,000
Argent Mortgage Company
1100 TOWN & COUNTRY
ORANGE, CA 92868
* $ 10,000,000 16 $ 1,326,000
Chase Manhattan Mortgage Corp.
194 WOOD AVENUE SOUTH
ISELIN, NJ 08830
* $ 770,912,000 15 $ 1,094,000
Beneficial
140 INDUSTRIAL DRIVE
ELMHURST, IL 60126
* $ 10,000,000 15 $ 1,375,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 15 $ 819,000
Wells Fargo Fin'l Utah, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 34,311,813,000 14 $ 1,061,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 12 $ 1,043,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 9 $ 707,000
Keybank National Association
100 PUBLIC SQUARE STE 600 OH-01-10-06006
CLEVELAND, OH 44113
* $ 74,320,522,000 8 $ 234,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 8 $ 598,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 7 $ 352,000
Washington Federal S&L
425 PIKE STREET
SEATTLE, WA 98101
* $ 7,535,396,000 7 $ 852,000
Far West Bank
201 EAST CENTER STREET
PROVO, UT 84606
* $ 305,985,000 7 $ 461,000
Finance America, LLC
16802 ASTON ST.
IRVINE, CA 92606
* $ 10,000,000 6 $ 517,000
Citimortgage, Inc.
ONE COURT SQUARE, 45TH FLOOR
LONG ISLAND CITY, NY 11120
* $ 59,720,267,000 6 $ 408,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 36,578,612,000 6 $ 417,000
Irwin Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 47037
* $ 4,655,913,000 6 $ 457,000
Utah Mortgage Loan Corp
488 E 6400 S, 300
SALT LAKE CITY, UT 84107
* $ 10,000,000 6 $ 587,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE #2
MURRAY, UT 84107
* $ 10,000,000 6 $ 428,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 5 $ 510,000
Washington Mutual Bank, FSB
227 EAST AVENUE
ALBION, NY 14411
* $ 762,053,000 5 $ 456,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 1,267,728,000 5 $ 199,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 4 $ 223,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 4 $ 282,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 4 $ 307,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 4 $ 352,000
Utah Central Credit Union
25 EAST 1700 SOUTH
SALT LAKE, UT 84115
* $ 111,354,000 3 $ 120,000
Principal Residential Mortgage
ONE COURT SQUARE, 45TH FLOOR
LONG ISLAND CITY, NY 11120
* $ 10,000,000 3 $ 338,000
Wachovia Mortgage Corp
301 S COLLEGE ST
CHARLOTTE, NC 28202
* $ 2,687,938,000 3 $ 234,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 29,327,000,000 3 $ 159,000
Wmc Mortgage Corp.
3100 THORTON AVE
BURBANK, CA 91504
* $ 31,000,000 3 $ 208,000
Aig Federal Savings Bank
600 N KING STREET, SUITE 2
WILMINGTON, DE 19801
* $ 1,223,098,000 3 $ 191,000
AMC Mortgage Services, Inc.
1100 TOWN & COUNTRY ROAD, SUITE 1100
IRVINE, CA 92868
* $ 10,000,000 3 $ 449,000
Americas Moneyline
4880 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 3 $ 170,000
Countrywide Bank, N.A.
35 NORTH LAKE, MS 35-148
PASADENA, CA 91101
* $ 19,381,781,000 3 $ 227,000
First Horizon Home Loan Corp
4000 HORIZON WAY
IRVING, TX 75063
* $ 1,446,000,000 3 $ 195,000
First Magnus Financial Corp
603 N. WILMOT ROAD
TUCSON, AZ 85711
* $ 10,000,000 3 $ 314,000
National City Bank of Indiana
1900 EAST NINTH
CLEVELAND, OH 44114
* $ 42,548,912,000 3 $ 195,000
Nexstar Financial Corporation
19 RESEARCH PARK COURT
ST. CHARLES, MO 63304
* $ 10,000,000 3 $ 292,000
Novastar Mortgage
2114 CENTRAL SUITE 600
KANSAS CITY, MO 64108
* $ 10,000,000 3 $ 256,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 3 $ 310,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 2 $ 55,000
Greenpoint Mortgage Funding
4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD
CHARLOTTE, NC 28217
* $ 6,677,533,000 2 $ 132,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 256,787,000,000 2 $ 141,000
Mbna America Delaware, N.A.
200 N COLLEGE ST NC1-004-04-13
CHARLOTTE, NC 28255
* $ 2,032,341,000 2 $ 179,000
Meritage Mortgage Corp.
7215 FINANCIAL WAY
JACKSONVILLE, FL 32256
* $ 10,000,000 2 $ 127,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 10,551,758,000 2 $ 245,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 7,070,664,000 2 $ 166,000
E-Loan, Inc.
6230 STONERIDGE MALL ROAD
PLEASANTON, CA 94588
* $ 10,000,000 2 $ 32,000
Encore Credit Corp
1833 ALTON PARKWAY
IRVINE, CA 92606
* $ 10,000,000 2 $ 154,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ 10,000,000 2 $ 149,000
Comunity Lending Incorporated
610 JARVIS DRIVE SUITE 200
MORGAN HILL, CA 95037
* $ 10,000,000 2 $ 169,000
American Home Mortgage Corp.
538 BROADHOLLOW RD
MELVILLE, NY 11747
* $ 10,000,000 2 $ 203,000
Aames Funding Corporation
15090 AVENUE OF SCIENCE
SAN DIEGO, CA 92128
* $ 10,000,000 2 $ 152,000
Citibank, FSB
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 24,659,500,000 2 $ 64,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,097,190,000,000 2 $ 128,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 3,319,969,000 2 $ 66,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 2 $ 116,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 124,453,567,000 2 $ 138,000
The Cit Group/Consumer Finance
1 CIT DRIVE
LIVINGSTON, NJ 07039
* $ 10,000,000 1 $ 111,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 189,159,050,000 1 $ 98,000
Utah Community Credit Union
188 WEST RIVER PARK DRIVE
PROVO, UT 84604
* $ 394,113,000 1 $ 12,000
Sovereign Bank
1130 BERKSHIRE BOULEVARD
WYOMISSING, PA 19610
* $ 43,610,071,000 1 $ 80,000
Spectrum Funding Corporation
7084 SOUTH 2300 EAST
SLC, UT 84121
* $ 2,028,000,000 1 $ 60,000
Resmae Mortgage Corporation
6 POINTE DRIVE
BREA, CA 92821
* $ 10,000,000 1 $ 44,000
Scme Mortgage Bankers, Inc
6265 GREENWICH DRIVE, SUITE 200
SAN DIEGO, CA 92122
* $ 10,000,000 1 $ 50,000
Sebring Capital Partners, LP
4000 INTERNATIONAL PARWAY, SUITE 3000
CARROLLTON, TX 75007
* $ 10,000,000 1 $ 75,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 234,680,095,000 1 $ 63,000
Wright Experss Fsc
3995 SOUTH 700 EAST, SUITE 450
SALT LAKE CITY, UT 84107
* $ 325,193,000 1 $ 75,000
Citifinancial Mtg Co, Inc
4000 REGENT BLVD
IRVING, TX 75063
* $ 32,424,600,000 1 $ 95,000
Axiom Financial, LLC
9350 S 150 E, #140
SANDY, UT 84070
* $ 10,000,000 1 $ 94,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 617,888,534,000 1 $ 55,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 1 $ 84,000
Aegis Funding Corporation
3250 BRIARPARK DR SUITE 400
HOUSTON, TX 77042
* $ 10,000,000 1 $ 86,000
Allied Home Mortgage Corp.
6110 PINEMONT DR., STE. 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 19,000
Calusa Investments, L.L.C.
P.O. BOX 710840
HERNDON, VA 20171
* $ 10,000,000 1 $ 81,000
Deseret First Credit Union
3999 PARKWAY BOULEVARD
WEST VALLEY CITY, UT 84120
* $ 279,481,000 1 $ 5,000
Franklin Bank SSB
9800 RICHMOND, SUITE 680
HOUSTON, TX 77042
* $ 2,247,653,000 1 $ 98,000
Moneyline Lending Services
15420 LAGUNA CANYON RD. STE. 100
IRVINE, CA 92618
* $ 10,000,000 1 $ 55,000
Morgan Stanley Credit Corp
75 N. FAIRWAY DRIVE
VERNON HILLS, IL 60061
* $ 10,000,000 1 $ 144,000
Liberty American Mortgage Corp
2281 LAVA RIDGE CT 2ND FL
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 75,000
Loancity
5671 SANTA TERESA BOULEVARD
SAN JOSE, CA 95123
* $ 10,000,000 1 $ 126,000
Macquarie Mortgages USA, Inc.
10151 DEERWOOD PARK BLDG 100, SUITE 500
JACKSONVILLE,, FL 32256
* $ 10,000,000 1 $ 105,000
Option One Mortgage Corp
6501 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 122,000
Novastar Home Mortgage, Inc.
8140 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 10,000,000 1 $ 87,000
Guaranty Residential Lending
1300 S. MOPAC EXPWY
AUSTIN, TX 78746
* $ 9,102,046,000 1 $ 78,000
Hamilton Mortgage Company
2700 NORTH CENTRAL AVENUE, STE 1500
PHOENIX, AZ 85004
* $ 10,000,000 1 $ 111,000
Harbourton Mortgage Inv Corp
1000 URBAN CENTER DRIVE, STE 500
BIRMINGHAM, AL 35242
* $ 10,000,000 1 $ 106,000
Fremont Investment & Loan
2727 E. IMPERIAL HIGHWAY
BREA, CA 92821
* $ 9,333,614,000 1 $ 98,000
Gmac Bank
4 WALNUT GROVE
HORSHAM, PA 19044
* $ 2,615,181,000 1 $ 67,000
Gold Reverse, Inc.
2099 SOUTH STATE COLLEGE BLVD #600
ANAHEIM, CA 92806
* $ 10,000,000 1 $ 50,000
Greenlight Financial Services
18200 VON KARMAN STE #300
IRVINE, CA 92612
* $ 10,000,000 1 $ 25,000
Homefield Financial, Inc.
410 EXCHANGE, SUITE 100
IRVINE, CA 92602
* $ 10,000,000 1 $ 146,000
HSBC Bank USA, NA
1 HSBC CENTER - 24TH FLOOR
BUFFALO, NY 14203
* $ 95,600,000 1 $ 122,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 108,000
Jordan Federal Credit Union
9260 S 300 E
SANDY, UT 84070
* $ 136,998,000 1 $ 25,000
Indymac Bank, F.S.B.
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 13,189,979,000 1 $ 122,000

The tables below break down 2004 mortgage applications in Emery 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 Emery County, UT in 2004

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 437 $34,501,000 $78,000 $276,000 $46,000 $324,000
Home Purchase 217 $15,818,000 $72,000 $320,000 $50,000 $540,000
Home Improvement 56 $2,318,000 $41,000 $215,000 $40,000 $128,000

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 584 $42,771,000 $73,000 $320,000 $49,000 $324,000
Not Provided 81 $6,704,000 $82,000 $276,000 $51,000 $540,000
Not applicable 28 $1,905,000 $68,000 $149,000 $9,000 $79,000
Hispanic 7 $431,000 $61,000 $102,000 $45,000 $54,000
American Indian or Alaskan Native 4 $239,000 $59,000 $85,000 $25,000 $30,000
Asian 3 $198,000 $66,000 $135,000 $75,000 $83,000
Native Hawaiian or Other Pacific Islander 3 $389,000 $129,000 $146,000 $40,000 $76,000
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) 639 $46,737,000 $73,000 $320,000 $49,000 $540,000
FHA-insured (Federal Housing Administration) 64 $5,490,000 $85,000 $178,000 $31,000 $74,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $355,000 $59,000 $121,000 $27,000 $36,000
VA-guaranteed (Veterans Administration) 1 $55,000 $55,000 $55,000 $0 $0

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 317 $22,309,000 $70,000 $320,000 $51,000 $324,000
Application Denied By Financial Institution 151 $10,698,000 $70,000 $276,000 $45,000 $184,000
Loan Purchased By The Institution 84 $6,301,000 $75,000 $166,000 $31,000 $132,000
Application Withdrawn By Applicant 76 $6,660,000 $87,000 $254,000 $45,000 $100,000
Application Approved But Not Accepted 52 $3,941,000 $75,000 $139,000 $48,000 $83,000
File Closed For Incompleteness 30 $2,728,000 $90,000 $157,000 $79,000 $540,000
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 40 $2,234,000 $55,000 $150,000 $42,000 $128,000
Other 28 $2,482,000 $88,000 $276,000 $43,000 $100,000
Collateral 24 $1,940,000 $80,000 $130,000 $37,000 $93,000
Credit Application Incomplete 15 $1,208,000 $80,000 $126,000 $35,000 $102,000
Debt-To-Income Ratio 4 $302,000 $75,000 $131,000 $45,000 $66,000
Unverifiable Information 3 $216,000 $72,000 $96,000 $74,000 $100,000
Insufficient Cash (Downpayment, Closing Cost) 3 $178,000 $59,000 $77,000 $80,000 $184,000
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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