Emery County, UT Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 337 mortgage applications in Emery County, UT totaling $38.9 million, up 13% from 2014. The average application was for $115,000, and applicants reported an average income of $58,000. 53% of applications resulted in an originated loan and 16% were denied. The most active lender was Bank of Utah, with 26 applications, followed by Zions Bancorporation, N.A. 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 | 337 |
| Total Mortgage Loan Application Amount | $38,898,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $363,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $1,059,000 |
* 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 |
|---|---|---|---|---|
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 857,469,000 | 26 | $ 2,265,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 19,078,815,000 | 25 | $ 2,929,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 535,161,000 | 24 | $ 2,590,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 20 | $ 2,221,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 18 | $ 2,198,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 14 | $ 1,334,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 13 | $ 1,948,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 4,185,567,000 | 12 | $ 1,143,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 14,493,978,000 | 10 | $ 1,930,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 6,387,265,000 | 9 | $ 656,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 8 | $ 1,177,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 720,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 7 | $ 662,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 7 | $ 625,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 6 | $ 542,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 6 | $ 683,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 6 | $ 696,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 666,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 5 | $ 563,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ 2,047,499,000 | 5 | $ 524,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 834,530,000 | 5 | $ 349,000 |
| International City Mortgage, Inc. 333 S ANITA DR, STE 300 ORANGE, CA 92868 |
* | $ 2,589,000 | 5 | $ 575,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 5 | $ 934,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 4 | $ 801,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 3 | $ 312,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 3 | $ 547,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 3 | $ 392,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ 10,000,000 | 3 | $ 366,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ 12,500,000 | 3 | $ 314,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 400,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 3 | $ 259,000 |
| Utah Community Credit Union 188 WEST RIVER PARK DRIVE PROVO, UT 84604 |
* | $ 942,411,000 | 2 | $ 180,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 211,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 2 | $ 225,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 229,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 204,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 2 | $ 282,000 |
| Cyprus Federal Credit Union 3876 W. CENTERVIEW WAY WEST JORDAN, UT 84084 |
* | $ 682,833,000 | 2 | $ 550,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 461,399,000 | 1 | $ 15,000 |
| Canyon View Credit Union PO BOX 58025 SALT LAKE CITY, UT 84158 |
* | $ 700,019,000 | 1 | $ 196,000 |
| Transwest Credit Union 37 WEST 1700 SOUTH SALT LAKE CITY, UT 84115 |
* | $ 116,724,000 | 1 | $ 135,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 68,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 96,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 1 | $ 70,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 73,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 221,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 27,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 62,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 1 | $ 18,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 115,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 5,190,392,000 | 1 | $ 202,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 81,000 |
| Sunstreet Mortgage, LLC SUNSTREET MORTGAGE, LLC 1725 E. SKYLINE DRIVE, AZ 85718 |
* | $ 1,150,000 | 1 | $ 131,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 77,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 187,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 228,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 72,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 1 | $ 62,000 |
| Utah Mortgage Loan Corp 488 E 6400 S, 300 SALT LAKE CITY, UT 84107 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 106,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 82,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 8,306,659,000 | 1 | $ 82,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Flagship Financial Group, Llc. 3130 W. MAPLE LOOP DR. LEHI, UT 84043 |
* | $ 0 | 1 | $ 228,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 204,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 93,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 102,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 127,000 |
The tables below break down 2015 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 177 | $20,187,000 | $114,000 | $288,000 | $54,000 | $218,000 |
| Home Purchase | 141 | $17,125,000 | $121,000 | $363,000 | $56,000 | $267,000 |
| Home Improvement | 19 | $1,586,000 | $83,000 | $220,000 | $104,000 | $1,059,000 |
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 | 271 | $31,566,000 | $116,000 | $363,000 | $64,000 | $1,059,000 |
| Not applicable | 37 | $4,371,000 | $118,000 | $227,000 | $12,000 | $116,000 |
| Not Provided | 19 | $1,969,000 | $103,000 | $202,000 | $58,000 | $110,000 |
| Hispanic | 6 | $613,000 | $102,000 | $192,000 | $75,000 | $143,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $279,000 | $93,000 | $117,000 | $16,000 | $49,000 |
| American Indian or Alaskan Native | 1 | $100,000 | $100,000 | $100,000 | $90,000 | $90,000 |
| 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) | 208 | $23,597,000 | $113,000 | $363,000 | $72,000 | $1,059,000 |
| FHA-insured (Federal Housing Administration) | 79 | $9,078,000 | $114,000 | $271,000 | $37,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,937,000 | $117,000 | $280,000 | $28,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,286,000 | $131,000 | $228,000 | $34,000 | $95,000 |
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 | 179 | $20,818,000 | $116,000 | $363,000 | $60,000 | $218,000 |
| Application Denied By Financial Institution | 55 | $6,160,000 | $112,000 | $210,000 | $57,000 | $143,000 |
| Loan Purchased By The Institution | 46 | $5,624,000 | $122,000 | $271,000 | $20,000 | $135,000 |
| Application Withdrawn By Applicant | 32 | $3,392,000 | $106,000 | $275,000 | $88,000 | $1,059,000 |
| File Closed For Incompleteness | 13 | $1,561,000 | $120,000 | $272,000 | $82,000 | $267,000 |
| Application Approved But Not Accepted | 12 | $1,343,000 | $111,000 | $213,000 | $60,000 | $146,000 |
| 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 | 13 | $1,492,000 | $114,000 | $196,000 | $56,000 | $110,000 |
| Collateral | 10 | $987,000 | $98,000 | $152,000 | $58,000 | $143,000 |
| Unverifiable Information | 7 | $601,000 | $85,000 | $142,000 | $63,000 | $114,000 |
| Debt-To-Income Ratio | 4 | $450,000 | $112,000 | $160,000 | $35,000 | $54,000 |
| Employment History | 1 | $168,000 | $168,000 | $168,000 | $105,000 | $105,000 |
| Other | 1 | $97,000 | $97,000 | $97,000 | $59,000 | $59,000 |
| Credit Application Incomplete | 1 | $132,000 | $132,000 | $132,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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