Garfield County, UT Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 244 mortgage applications in Garfield County, UT totaling $35.0 million, up 15% from 2011. The average application was for $143,000, and applicants reported an average income of $75,000. 59% of applications resulted in an originated loan and 17% were denied. The most active lender was Zions Bancorporation, N.A., with 44 applications, followed by State Bank of Southern Utah and Wells Fargo Bank NA.
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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 | 244 |
| Total Mortgage Loan Application Amount | $34,986,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $542,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $554,000 |
* 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 Bancorporation, N.A. DENVER, CO 80237 |
* | $ 17,531,277,000 | 44 | $ 4,393,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 674,265,000 | 38 | $ 5,276,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 22 | $ 3,208,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 2,973,405,000 | 18 | $ 2,273,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 13 | $ 2,147,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 10 | $ 1,508,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 9 | $ 958,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 1,194,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 1,046,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 4 | $ 813,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 3 | $ 370,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 605,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 3 | $ 615,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 3 | $ 455,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 233,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 2 | $ 247,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 252,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 117,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 452,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 534,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 2 | $ 667,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 513,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 5,095,899,000 | 2 | $ 162,000 |
| Altabank 33 E MAIN AMERICAN FORK, UT 84003 |
* | $ 889,892,000 | 2 | $ 270,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 2,304,426,000 | 2 | $ 166,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 19,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 1 | $ 209,000 |
| Utah Community Credit Union 188 WEST RIVER PARK DRIVE PROVO, UT 84604 |
* | $ 757,978,000 | 1 | $ 76,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ 1,905,255,000 | 1 | $ 212,000 |
| Cyprus Federal Credit Union 3876 W. CENTERVIEW WAY WEST JORDAN, UT 84084 |
* | $ 561,183,000 | 1 | $ 128,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 154,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ 31,000,000 | 1 | $ 70,000 |
| Nevada State Bank 5373 S ARVILLE STREET, 1ST FLOOR LAS VEGAS, NV 89118 |
* | $ 4,101,113,000 | 1 | $ 76,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 144,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 263,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 375,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 1 | $ 150,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 189,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 129,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 64,000 |
| All Western Mortgage Inc 8345 W SUNSET RD SUITE 380 LAS VGEAS, NV 89113 |
* | $ 1,175,181,000 | 1 | $ 121,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 199,000 |
| Mortgage Capital Associates, Inc. 11150 W OYMPIC BLVD. STE. 1160 LOS ANGELES, CA 90064 |
* | $ 10,000,000 | 1 | $ 353,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 209,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 64,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 147,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 197,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 103,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 165,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 256,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 1 | $ 127,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 46,000 |
The tables below break down 2012 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 2012
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 | 172 | $26,160,000 | $152,000 | $542,000 | $74,000 | $554,000 |
| Home Purchase | 61 | $8,212,000 | $134,000 | $400,000 | $80,000 | $234,000 |
| Home Improvement | 11 | $614,000 | $55,000 | $140,000 | $50,000 | $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 | 200 | $28,593,000 | $142,000 | $542,000 | $79,000 | $554,000 |
| Not Provided | 20 | $2,600,000 | $130,000 | $336,000 | $81,000 | $219,000 |
| Not applicable | 19 | $2,994,000 | $157,000 | $300,000 | $14,000 | $109,000 |
| Hispanic | 4 | $519,000 | $129,000 | $190,000 | $109,000 | $229,000 |
| Asian | 1 | $280,000 | $280,000 | $280,000 | $61,000 | $61,000 |
| 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) | 214 | $30,060,000 | $140,000 | $542,000 | $79,000 | $554,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,907,000 | $171,000 | $335,000 | $32,000 | $168,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,452,000 | $161,000 | $267,000 | $62,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $567,000 | $141,000 | $167,000 | $33,000 | $35,000 |
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 | 144 | $19,344,000 | $134,000 | $363,000 | $80,000 | $501,000 |
| Application Denied By Financial Institution | 41 | $6,763,000 | $164,000 | $542,000 | $85,000 | $554,000 |
| Loan Purchased By The Institution | 28 | $4,457,000 | $159,000 | $300,000 | $34,000 | $163,000 |
| Application Withdrawn By Applicant | 20 | $2,727,000 | $136,000 | $256,000 | $68,000 | $199,000 |
| Application Approved But Not Accepted | 8 | $1,338,000 | $167,000 | $353,000 | $81,000 | $253,000 |
| File Closed For Incompleteness | 3 | $357,000 | $119,000 | $145,000 | $73,000 | $129,000 |
| 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 | $2,400,000 | $171,000 | $375,000 | $117,000 | $554,000 |
| Credit History | 8 | $1,151,000 | $143,000 | $542,000 | $84,000 | $236,000 |
| Debt-To-Income Ratio | 5 | $862,000 | $172,000 | $263,000 | $86,000 | $280,000 |
| Other | 3 | $508,000 | $169,000 | $400,000 | $48,000 | $60,000 |
| Credit Application Incomplete | 2 | $412,000 | $206,000 | $332,000 | $27,000 | $55,000 |
| 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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