Emery County, UT Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 479 mortgage applications in Emery County, UT totaling $53.8 million, down 7% from 2007. The average application was for $112,000, and applicants reported an average income of $56,000. 44% of applications resulted in an originated loan and 20% were denied. The most active lender was Zions First National Bank, with 56 applications, followed by Countrywide Bank FSB and Utah Power Credit Union.
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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 | 479 |
| Total Mortgage Loan Application Amount | $53,800,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $288,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $1,080,000 |
* 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 |
|---|---|---|---|---|
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 18,453,976,000 | 56 | $ 5,890,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 30 | $ 3,455,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 249,679,000 | 30 | $ 3,083,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 28 | $ 3,373,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 696,225,000 | 26 | $ 2,886,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 24 | $ 3,156,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 24 | $ 2,563,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 19 | $ 2,737,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 18 | $ 2,338,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 17 | $ 1,694,000 |
| Wells Fargo Fin'l Utah, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 14 | $ 1,362,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 12 | $ 1,258,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 11 | $ 1,173,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 11 | $ 1,291,000 |
| Washington Federal S&L 425 PIKE STREET SEATTLE, WA 98101 |
* | $ 10,577,104,000 | 11 | $ 1,998,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 9 | $ 902,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 8 | $ 1,182,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 8 | $ 798,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 4,156,253,000 | 8 | $ 769,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 813,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 7 | $ 957,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 6 | $ 910,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 2,118,772,000 | 6 | $ 719,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 503,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 4 | $ 468,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 4 | $ 521,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 4 | $ 472,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 4 | $ 401,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 4 | $ 484,000 |
| Utah Mortgage Loan Corp 488 E 6400 S, 300 SALT LAKE CITY, UT 84107 |
* | $ 10,000,000 | 4 | $ 432,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 3 | $ 44,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 3 | $ 89,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 202,000 |
| Utah Central Credit Union 25 EAST 1700 SOUTH SALT LAKE, UT 84115 |
* | $ 159,035,000 | 3 | $ 128,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 2,301,878,000 | 3 | $ 361,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 3 | $ 517,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 3 | $ 396,000 |
| Ccsf, LLC 8925 S. PECOS RD., SUITE 16-A HENDERSON, NV 89074 |
* | $ 10,000,000 | 2 | $ 249,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 27,000 |
| Land/Home Financial Services 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 2 | $ 196,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 89,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 2 | $ 233,000 |
| Celtic Bank 268 S. STATE ST., SUITE 300 SALT LAKE CITY, UT 84111 |
* | $ 138,652,000 | 1 | $ 73,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 1 | $ 95,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 81,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 1 | $ 144,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 1 | $ 70,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 183,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 62,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 75,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 115,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 30,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 56,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 56,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 113,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Sooper Credit Union 5005 W 60TH AVE ARVADA, CO 80003 |
* | $ 211,457,000 | 1 | $ 45,000 |
| Transwest Credit Union 37 WEST 1700 SOUTH SALT LAKE CITY, UT 84115 |
* | $ 149,289,000 | 1 | $ 145,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Utah Financial Inc. 189 FORT UNION BLVD MIDVALE, UT 84047 |
* | $ 17,168,000 | 1 | $ 90,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 1,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 1 | $ 29,000 |
| Security Home Mortgage 576 SOUTH STATE ST OREM, UT 84058 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Allen Mortgage, LLC P.O. BOX 1168 CENTENNIAL PARK, AZ 86021 |
* | $ 10,000,000 | 1 | $ 207,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 81,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 25,000 |
The tables below break down 2008 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 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 | 258 | $30,316,000 | $117,000 | $288,000 | $56,000 | $1,080,000 |
| Home Purchase | 174 | $20,621,000 | $118,000 | $288,000 | $52,000 | $155,000 |
| Home Improvement | 47 | $2,863,000 | $60,000 | $229,000 | $68,000 | $165,000 |
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 | 395 | $44,438,000 | $112,000 | $288,000 | $62,000 | $1,080,000 |
| Not applicable | 47 | $5,659,000 | $120,000 | $252,000 | $9,000 | $78,000 |
| Not Provided | 24 | $2,345,000 | $97,000 | $240,000 | $45,000 | $84,000 |
| Hispanic | 10 | $1,126,000 | $112,000 | $163,000 | $75,000 | $175,000 |
| American Indian or Alaskan Native | 2 | $159,000 | $79,000 | $105,000 | $96,000 | $106,000 |
| Black or African American | 1 | $73,000 | $73,000 | $73,000 | $38,000 | $38,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 336 | $37,237,000 | $110,000 | $288,000 | $62,000 | $1,080,000 |
| FHA-insured (Federal Housing Administration) | 126 | $14,456,000 | $114,000 | $227,000 | $43,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,948,000 | $129,000 | $168,000 | $34,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 2 | $159,000 | $79,000 | $158,000 | $36,000 | $73,000 |
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 | 209 | $22,688,000 | $108,000 | $288,000 | $60,000 | $175,000 |
| Loan Purchased By The Institution | 100 | $12,608,000 | $126,000 | $288,000 | $32,000 | $150,000 |
| Application Denied By Financial Institution | 94 | $10,795,000 | $114,000 | $288,000 | $74,000 | $1,080,000 |
| Application Withdrawn By Applicant | 32 | $3,251,000 | $101,000 | $216,000 | $56,000 | $156,000 |
| Application Approved But Not Accepted | 32 | $3,291,000 | $102,000 | $240,000 | $55,000 | $114,000 |
| File Closed For Incompleteness | 11 | $1,095,000 | $99,000 | $201,000 | $61,000 | $109,000 |
| Preapproval Approved but not Accepted | 1 | $72,000 | $72,000 | $72,000 | $35,000 | $35,000 |
| 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 | 20 | $1,364,000 | $68,000 | $219,000 | $55,000 | $102,000 |
| Collateral | 19 | $2,261,000 | $119,000 | $228,000 | $68,000 | $165,000 |
| Credit Application Incomplete | 6 | $742,000 | $123,000 | $219,000 | $251,000 | $1,080,000 |
| Debt-To-Income Ratio | 6 | $681,000 | $113,000 | $240,000 | $37,000 | $58,000 |
| Other | 4 | $476,000 | $119,000 | $205,000 | $78,000 | $150,000 |
| Employment History | 2 | $237,000 | $118,000 | $150,000 | $76,000 | $76,000 |
| Mortgage Insurance Denied | 2 | $296,000 | $148,000 | $160,000 | $45,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $266,000 | $266,000 | $266,000 | $121,000 | $121,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $36,000 | $36,000 |
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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