Emery County, UT Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 303 mortgage applications in Emery County, UT totaling $47.8 million, down 26% from 2022. The average application was for $157,000, and applicants reported an average income of $97,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was Utah Power Credit Union, with 46 applications, followed by Mountain America Federal Credit Union 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 | 303 |
| Total Mortgage Loan Application Amount | $47,765,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $97,000 |
| Highest Applicant Income | $1,813,000 |
Top Mortgage Lenders in Emery County, UT (2023)
Ranked by the number of mortgage applications each lender reported in Emery County, UT in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Utah Power Credit Union Salt Lake City, UT |
46 | $4,160,000 | $90,000 | $100,000 |
| 2 | Mountain America Federal Credit Union Sandy, UT |
32 | $3,850,000 | $120,000 | $94,000 |
| 3 | Bank of Utah Ogden, UT |
22 | $3,370,000 | $153,000 | $73,000 |
| 4 | United Wholesale Mortgage Plymouth, MI |
21 | $5,285,000 | $251,000 | $84,000 |
| 5 | Security Home Mortgage Orem, UT |
18 | $2,930,000 | $162,000 | $167,000 |
| 6 | Zions Bancorporation, N.A. Denver, CO |
15 | $2,405,000 | $160,000 | $116,000 |
| 7 | America First Federal Credit Union Riverdale, UT |
15 | $1,585,000 | $105,000 | $102,000 |
| 8 | Newrez LLC Fort Washington, PA |
8 | $1,420,000 | $177,000 | $74,000 |
| 9 | PennyMac Loan Services LLC Westlake Village, CA |
7 | $1,755,000 | $250,000 | $128,000 |
| 10 | Primary Residential Mortgage, Inc. Salt Lake City, UT |
6 | $770,000 | $128,000 | $73,000 |
The tables below break down 2023 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 2023
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 | 149 | $28,575,000 | $191,000 | $525,000 | $86,000 | $458,000 |
| Other Purpose | 58 | $3,620,000 | $62,000 | $305,000 | $91,000 | $229,000 |
| Refinancing | 39 | $7,245,000 | $185,000 | $535,000 | $95,000 | $411,000 |
| Cash-out Refinancing | 37 | $6,335,000 | $171,000 | $525,000 | $107,000 | $756,000 |
| Home Improvement | 20 | $1,990,000 | $99,000 | $305,000 | $185,000 | $1,813,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 249 | $37,625,000 | $151,000 | $535,000 | $97,000 | $1,813,000 |
| Not Provided | 26 | $4,280,000 | $164,000 | $355,000 | $100,000 | $206,000 |
| Not applicable | 12 | $2,990,000 | $249,000 | $425,000 | $0 | $0 |
| Hispanic | 11 | $2,075,000 | $188,000 | $345,000 | $76,000 | $132,000 |
| American Indian or Alaskan Native | 4 | $570,000 | $142,000 | $265,000 | $78,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $225,000 | $225,000 | $225,000 | $271,000 | $271,000 |
| 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) | 223 | $30,215,000 | $135,000 | $535,000 | $104,000 | $1,813,000 |
| FHA-insured (Federal Housing Administration) | 63 | $13,835,000 | $219,000 | $465,000 | $76,000 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,985,000 | $220,000 | $345,000 | $85,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,730,000 | $216,000 | $355,000 | $98,000 | $176,000 |
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 | 175 | $26,955,000 | $154,000 | $535,000 | $91,000 | $411,000 |
| Application Denied By Financial Institution | 52 | $7,090,000 | $136,000 | $525,000 | $87,000 | $756,000 |
| Application Withdrawn By Applicant | 41 | $6,965,000 | $169,000 | $425,000 | $130,000 | $1,813,000 |
| File Closed For Incompleteness | 14 | $2,070,000 | $147,000 | $375,000 | $86,000 | $152,000 |
| Loan Purchased By The Institution | 14 | $3,230,000 | $230,000 | $425,000 | $77,000 | $117,000 |
| Application Approved But Not Accepted | 7 | $1,455,000 | $207,000 | $465,000 | $159,000 | $458,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 250 | $40,660,000 | $162,000 | $535,000 | $100,000 | $1,813,000 |
| Debt-To-Income Ratio | 27 | $4,005,000 | $148,000 | $525,000 | $59,000 | $137,000 |
| Collateral | 10 | $890,000 | $89,000 | $245,000 | $168,000 | $756,000 |
| Credit History | 5 | $385,000 | $77,000 | $155,000 | $54,000 | $92,000 |
| Other | 4 | $640,000 | $160,000 | $305,000 | $87,000 | $218,000 |
| Credit Application Incomplete | 3 | $475,000 | $158,000 | $235,000 | $151,000 | $290,000 |
| Unverifiable Information | 2 | $150,000 | $75,000 | $105,000 | $64,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $560,000 | $280,000 | $405,000 | $72,000 | $84,000 |
| 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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