Garfield County, UT Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 212 mortgage applications in Garfield County, UT totaling $29.5 million, down 9% from 2010. The average application was for $139,000, and applicants reported an average income of $82,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Zions Bancorporation, N.A., with 43 applications, followed by State Bank of Southern Utah and Mountain America Federal 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 | 212 |
| Total Mortgage Loan Application Amount | $29,487,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $406,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,031,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 16,343,046,000 | 43 | $ 4,278,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 671,816,000 | 24 | $ 2,917,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 2,777,514,000 | 21 | $ 2,563,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 18 | $ 2,355,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 12 | $ 2,276,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 9 | $ 1,460,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 8 | $ 995,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 8 | $ 1,358,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 5 | $ 1,044,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 4 | $ 853,000 |
| Nevada State Bank 5373 S ARVILLE STREET, 1ST FLOOR LAS VEGAS, NV 89118 |
* | $ 4,206,125,000 | 4 | $ 636,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 4 | $ 572,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 3 | $ 487,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 712,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 3 | $ 521,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 3 | $ 617,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 1,624,110,000 | 2 | $ 322,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 90,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 410,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 378,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 643,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 293,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 2 | $ 225,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 398,111,000 | 2 | $ 125,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 342,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 193,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 1 | $ 47,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 156,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 15,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 746,890,000 | 1 | $ 75,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 300,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 6,167,927,000 | 1 | $ 5,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 271,648,000 | 1 | $ 15,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 828,468,000 | 1 | $ 158,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 1 | $ 303,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 152,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 163,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 136,000 |
The tables below break down 2011 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 2011
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 | 143 | $21,003,000 | $146,000 | $363,000 | $80,000 | $1,031,000 |
| Home Purchase | 51 | $7,471,000 | $146,000 | $406,000 | $93,000 | $700,000 |
| Home Improvement | 18 | $1,013,000 | $56,000 | $157,000 | $64,000 | $129,000 |
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 | 182 | $24,965,000 | $137,000 | $406,000 | $86,000 | $1,031,000 |
| Not applicable | 17 | $3,159,000 | $185,000 | $303,000 | $22,000 | $164,000 |
| Not Provided | 9 | $913,000 | $101,000 | $199,000 | $143,000 | $425,000 |
| Hispanic | 3 | $170,000 | $56,000 | $72,000 | $26,000 | $51,000 |
| Asian | 1 | $280,000 | $280,000 | $280,000 | $9,000 | $9,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 190 | $25,800,000 | $135,000 | $406,000 | $85,000 | $1,031,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,434,000 | $173,000 | $274,000 | $51,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 5 | $801,000 | $160,000 | $302,000 | $54,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $452,000 | $150,000 | $276,000 | $51,000 | $110,000 |
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 | 105 | $12,887,000 | $122,000 | $303,000 | $87,000 | $1,031,000 |
| Application Denied By Financial Institution | 43 | $6,820,000 | $158,000 | $363,000 | $97,000 | $700,000 |
| Loan Purchased By The Institution | 29 | $5,341,000 | $184,000 | $303,000 | $42,000 | $183,000 |
| Application Approved But Not Accepted | 18 | $2,034,000 | $113,000 | $406,000 | $80,000 | $180,000 |
| Application Withdrawn By Applicant | 13 | $1,993,000 | $153,000 | $357,000 | $89,000 | $252,000 |
| File Closed For Incompleteness | 4 | $412,000 | $103,000 | $170,000 | $49,000 | $103,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 14 | $2,415,000 | $172,000 | $304,000 | $156,000 | $700,000 |
| Other | 7 | $1,478,000 | $211,000 | $363,000 | $89,000 | $164,000 |
| Credit History | 6 | $717,000 | $119,000 | $265,000 | $84,000 | $148,000 |
| Debt-To-Income Ratio | 5 | $1,203,000 | $240,000 | $320,000 | $66,000 | $146,000 |
| Credit Application Incomplete | 4 | $483,000 | $120,000 | $193,000 | $69,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $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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