Garfield County, UT Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 392 mortgage applications in Garfield County, UT totaling $41.8 million, down 7% from 2004. The average application was for $106,000, and applicants reported an average income of $75,000. 43% of applications resulted in an originated loan and 20% were denied. The most active lender was Zions First National Bank, with 45 applications, followed by Wells Fargo Bank, NA and Countrywide Home Loans.
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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 | 392 |
| Total Mortgage Loan Application Amount | $41,787,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $1,800,000 |
* 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 |
* | $ 11,919,777,000 | 45 | $ 3,538,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 31 | $ 3,339,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 27 | $ 3,660,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 16 | $ 1,134,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 14 | $ 1,208,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 14 | $ 1,459,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 13 | $ 1,578,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 406,988,000 | 13 | $ 921,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 12 | $ 1,951,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 11 | $ 499,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 1,275,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 9 | $ 939,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 8 | $ 953,000 |
| Meridias Capital Incorporated P.O. BOX 241429 CHARLOTTE, NC 28273 |
* | $ 150,000,000 | 7 | $ 1,160,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 1,426,676,000 | 7 | $ 370,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 7 | $ 449,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 7 | $ 600,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 7 | $ 764,000 |
| Wells Fargo Fin'l Utah, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 266,049,000 | 5 | $ 544,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 484,000 |
| Home Loan Corporation 450 GEARS ROAD, SUITE 600 HOUSTON, TX 77067 |
* | $ 10,000,000 | 5 | $ 674,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 5 | $ 760,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 202,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 476,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 453,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 478,000 |
| Comunity Lending Incorporated 610 JARVIS DRIVE SUITE 200 MORGAN HILL, CA 95037 |
* | $ 10,000,000 | 4 | $ 429,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 4 | $ 274,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 4 | $ 276,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 40,963,356,000 | 3 | $ 190,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 294,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 3 | $ 343,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 594,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 679,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 3 | $ 535,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 3 | $ 355,000 |
| Scme Mortgage Bankers, Inc 6265 GREENWICH DRIVE, SUITE 200 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 3 | $ 292,000 |
| Silver State Financial Service 8655 S EASTERN AVENUE LAS VEGAS, NV 89123 |
* | $ 49,490,708,000 | 3 | $ 187,000 |
| Washington Mutual Bank, FSB 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,028,537,000 | 3 | $ 434,000 |
| Suburban Mortgage, Inc. 7500 N. DREAMY DRAW DR., #110 PHOENIX, AZ 85020 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 2 | $ 137,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 274,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 49,210,377,000 | 2 | $ 318,000 |
| Southwest Community Federal CU 162 NORTH 400 EAST A101 ST. GEORGE, UT 84770 |
* | $ 105,927,000 | 2 | $ 200,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 2 | $ 117,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 2 | $ 208,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 22,927,745,000 | 2 | $ 310,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 2 | $ 240,000 |
| Credit Union One 2687 WEST 7800 SOUTH WEST JORDAN, UT 84088 |
* | $ 57,956,000 | 2 | $ 141,000 |
| Denver Mortgage Company 7315 E ORCHARD RD #100 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 2 | $ 199,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 498,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 200,000 |
| American Mortgage Express 10251 VISTA SORRENTO PARKWAY SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 160,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 68,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 10,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 47,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 1 | $ 60,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 1 | $ 122,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 214,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 118,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 130,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Alliance Credit Union 2780 ADAMS AVE OGDEN, UT 84403 |
* | $ 83,077,000 | 1 | $ 10,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 225,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 1 | $ 92,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 390,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 84,000 |
| Moneyline Lending Services 15420 LAGUNA CANYON RD. STE. 100 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Majestic Mortgage 945 LAKEVIEW PARKWAY STE 170 VERNON HILLS, IL 60061 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 36,023,828,000 | 1 | $ 176,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 1 | $ 202,000 |
| Loancity 5671 SANTA TERESA BOULEVARD SAN JOSE, CA 95123 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 6,942,224,000 | 1 | $ 300,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 1 | $ 50,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 28,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 99,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 1 | $ 48,000 |
| R-G Crown Bank 105 LIVE OAKS GARDENS CASSELBERRY, FL 32707 |
* | $ 1,843,784,000 | 1 | $ 550,000 |
| Soma Financial 871 CORONADO HENDERSON, NV 89052 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 130,780,100,000 | 1 | $ 122,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 63,000 |
The tables below break down 2005 mortgage applications in Garfield 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 Garfield County, UT in 2005
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 | 189 | $20,160,000 | $106,000 | $550,000 | $93,000 | $1,800,000 |
| Refinancing | 175 | $19,446,000 | $111,000 | $536,000 | $58,000 | $396,000 |
| Home Improvement | 28 | $2,181,000 | $77,000 | $360,000 | $75,000 | $273,000 |
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 | 325 | $34,537,000 | $106,000 | $536,000 | $69,000 | $526,000 |
| Not Provided | 34 | $3,276,000 | $96,000 | $325,000 | $122,000 | $1,800,000 |
| Not applicable | 21 | $2,436,000 | $116,000 | $550,000 | $29,000 | $185,000 |
| Hispanic | 8 | $1,062,000 | $132,000 | $390,000 | $88,000 | $216,000 |
| American Indian or Alaskan Native | 2 | $228,000 | $114,000 | $178,000 | $137,000 | $237,000 |
| Asian | 2 | $248,000 | $124,000 | $228,000 | $239,000 | $419,000 |
| Black or African American | 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) | 382 | $40,922,000 | $107,000 | $550,000 | $77,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 7 | $616,000 | $88,000 | $158,000 | $18,000 | $46,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $249,000 | $83,000 | $87,000 | $31,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $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 | 168 | $18,712,000 | $111,000 | $536,000 | $109,000 | $1,800,000 |
| Application Denied By Financial Institution | 79 | $7,485,000 | $94,000 | $294,000 | $55,000 | $203,000 |
| Loan Purchased By The Institution | 61 | $6,790,000 | $111,000 | $550,000 | $55,000 | $432,000 |
| Application Withdrawn By Applicant | 39 | $4,371,000 | $112,000 | $390,000 | $61,000 | $252,000 |
| Application Approved But Not Accepted | 36 | $3,425,000 | $95,000 | $310,000 | $53,000 | $153,000 |
| File Closed For Incompleteness | 9 | $1,004,000 | $111,000 | $180,000 | $59,000 | $88,000 |
| 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 | 16 | $1,345,000 | $84,000 | $188,000 | $52,000 | $168,000 |
| Collateral | 14 | $1,546,000 | $110,000 | $205,000 | $65,000 | $203,000 |
| Other | 14 | $1,309,000 | $93,000 | $159,000 | $50,000 | $113,000 |
| Credit Application Incomplete | 10 | $1,067,000 | $106,000 | $237,000 | $70,000 | $133,000 |
| Debt-To-Income Ratio | 6 | $675,000 | $112,000 | $216,000 | $40,000 | $66,000 |
| Unverifiable Information | 2 | $526,000 | $263,000 | $294,000 | $72,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $116,000 | $58,000 | $68,000 | $25,000 | $28,000 |
| Employment History | 1 | $22,000 | $22,000 | $22,000 | $54,000 | $54,000 |
| 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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