Garfield County, UT Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 256 mortgage applications in Garfield County, UT totaling $35.5 million, up 5% from 2012. The average application was for $138,000, and applicants reported an average income of $94,000. 51% of applications resulted in an originated loan and 22% were denied. The most active lender was Zions Bancorporation, N.A., with 40 applications, followed by Wells Fargo Bank NA 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 | 256 |
| Total Mortgage Loan Application Amount | $35,466,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $1,775,000 |
* 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 |
* | $ 17,930,123,000 | 40 | $ 4,537,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 34 | $ 5,087,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 3,367,630,000 | 26 | $ 4,258,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 19 | $ 2,786,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 715,582,000 | 16 | $ 2,017,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 10 | $ 1,851,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 10 | $ 994,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 9 | $ 1,106,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 9 | $ 921,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 6 | $ 784,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 5 | $ 724,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 540,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 4 | $ 720,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 337,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 467,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 3 | $ 349,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 2 | $ 730,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ 1,887,739,000 | 2 | $ 299,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 2 | $ 407,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 5,528,561,000 | 2 | $ 203,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 299,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 374,000 |
| Nevada State Bank 5373 S ARVILLE STREET, 1ST FLOOR LAS VEGAS, NV 89118 |
* | $ 4,063,218,000 | 1 | $ 222,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ 12,500,000 | 1 | $ 150,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 209,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 178,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 44,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 132,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 119,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 95,000 |
| First California Mortgage Co., Inc. 1400 N MCDOWELL BLVD, SUITE 300 PETALUMA, CA 94954 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 2,733,298,000 | 1 | $ 55,000 |
| Utah Mortgage Loan Corp 488 E 6400 S, 300 SALT LAKE CITY, UT 84107 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 424,234,000 | 1 | $ 79,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 249,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 87,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 207,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 814,537,000 | 1 | $ 22,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 215,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 147,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 105,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 6,897,235,000 | 1 | $ 10,000 |
| Transwest Credit Union 37 WEST 1700 SOUTH SALT LAKE CITY, UT 84115 |
* | $ 110,544,000 | 1 | $ 138,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 170,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 108,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 180,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 129,000 |
The tables below break down 2013 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 2013
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 | 166 | $24,583,000 | $148,000 | $855,000 | $102,000 | $1,775,000 |
| Home Purchase | 73 | $9,918,000 | $135,000 | $365,000 | $83,000 | $358,000 |
| Home Improvement | 17 | $965,000 | $56,000 | $138,000 | $68,000 | $267,000 |
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 | 223 | $31,610,000 | $141,000 | $855,000 | $96,000 | $1,775,000 |
| Not Provided | 13 | $1,663,000 | $127,000 | $280,000 | $98,000 | $334,000 |
| Not applicable | 12 | $1,432,000 | $119,000 | $238,000 | $49,000 | $200,000 |
| Hispanic | 6 | $715,000 | $119,000 | $222,000 | $114,000 | $341,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $43,000 | $43,000 | $43,000 | $44,000 | $44,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $25,000 | $25,000 |
| 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) | 211 | $29,206,000 | $138,000 | $855,000 | $106,000 | $1,775,000 |
| FHA-insured (Federal Housing Administration) | 25 | $3,824,000 | $152,000 | $324,000 | $37,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,353,000 | $112,000 | $161,000 | $38,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,083,000 | $135,000 | $295,000 | $55,000 | $79,000 |
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 | 130 | $17,893,000 | $137,000 | $855,000 | $108,000 | $1,775,000 |
| Application Denied By Financial Institution | 56 | $8,016,000 | $143,000 | $383,000 | $98,000 | $1,450,000 |
| Loan Purchased By The Institution | 25 | $3,337,000 | $133,000 | $256,000 | $73,000 | $358,000 |
| Application Withdrawn By Applicant | 24 | $4,131,000 | $172,000 | $365,000 | $65,000 | $170,000 |
| Application Approved But Not Accepted | 12 | $1,215,000 | $101,000 | $185,000 | $43,000 | $120,000 |
| File Closed For Incompleteness | 9 | $874,000 | $97,000 | $215,000 | $74,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $1,998,000 | $153,000 | $293,000 | $45,000 | $155,000 |
| Collateral | 12 | $2,020,000 | $168,000 | $383,000 | $229,000 | $1,450,000 |
| Credit History | 10 | $729,000 | $72,000 | $150,000 | $62,000 | $125,000 |
| Credit Application Incomplete | 6 | $984,000 | $164,000 | $358,000 | $98,000 | $332,000 |
| Other | 4 | $559,000 | $139,000 | $180,000 | $76,000 | $101,000 |
| Unverifiable Information | 2 | $258,000 | $129,000 | $142,000 | $77,000 | $122,000 |
| 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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