Kane County, UT Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 501 mortgage applications in Kane County, UT totaling $77.5 million, down 11% from 2010. The average application was for $154,000, and applicants reported an average income of $90,000. 44% of applications resulted in an originated loan and 19% were denied. The most active lender was Zions Bancorporation, N.A., with 83 applications, followed by Wells Fargo Bank NA and Mountain America Federal Credit Union.

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Total Number of Mortgage Applications 501
Total Mortgage Loan Application Amount $77,477,000
Average Mortgage Loan Application Amount $154,000
Highest Mortgage Loan Application Amount $731,000
Average Applicant Income $90,000
Highest Applicant Income $2,114,000

Mortgage Company List for Lending in Kane County, UT for 2011

* 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
* $ 16,343,046,000 83 $ 11,627,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 83 $ 14,282,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 2,777,514,000 42 $ 4,212,000
State Bank of Southern Utah
377 N MAIN
CEDAR CITY, UT 84721
* $ 671,816,000 37 $ 4,510,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 37 $ 5,592,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 30 $ 6,407,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 27 $ 4,179,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 15 $ 2,009,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 11 $ 1,975,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 6 $ 732,000
National Bank of Arizona
6001 N. 24TH STREET
PHOENIX, AZ 85016
* $ 4,489,945,000 6 $ 967,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 1,289,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 6 $ 733,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 5 $ 1,275,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 4 $ 792,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 789,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 575,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 4 $ 703,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 4 $ 840,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 4,936,048,000 4 $ 410,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 3 $ 359,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 530,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 3 $ 401,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 460,000
Amera Mortgage Corporation
1050 CORPORATE OFFICE DRIVE, STE 250
MILFORD, MI 48381
* $ 1,300,000,000 2 $ 307,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 203,000
Axiom Financial LLC
9350 SOUTH 150 EAST SUITE 140
SANDY, UT 84070
* $ 10,000,000 2 $ 283,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ 10,000,000 2 $ 509,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 2 $ 425,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 148,000
Bank of Las Vegas
1700 W HORIZON RIDGE PARKWAY
HENDERSON, NV 89012
* $ 375,449,000 2 $ 402,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 254,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 398,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ 10,000,000 2 $ 322,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 2 $ 224,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 59,517,025,000 2 $ 135,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 137,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 1 $ 52,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 1 $ 113,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 120,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 1 $ 416,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 200,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 115,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 4,876,840,000 1 $ 372,000
Colorado Federal Savings Bank8
400 EAST PRENTICE AVE, SUITE 840
GREENWOOD VILLAGE, CO 80111
* $ 703,619,000 1 $ 62,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 151,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 1 $ 145,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 7,724,367,000 1 $ 181,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 1 $ 185,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 1 $ 121,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 52,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 224,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 26,432,928,000 1 $ 123,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 198,117,000 1 $ 153,000
Utah Power Credit Union
957 E 6600 S
SALT LAKE CITY, UT 84121
* $ 398,111,000 1 $ 125,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 204,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 1 $ 170,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 196,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ 12,500,000 1 $ 152,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 183,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 407,000
Nevada State Bank
5373 S ARVILLE STREET, 1ST FLOOR
LAS VEGAS, NV 89118
* $ 4,206,125,000 1 $ 125,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE #2
MURRAY, UT 84107
* $ 10,000,000 1 $ 89,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 240,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 144,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 200,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 145,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 189,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 195,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 256,084,000 1 $ 155,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 135,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 121,000

The tables below break down 2011 mortgage applications in Kane 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 Kane 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 303 $49,418,000 $163,000 $731,000 $93,000 $2,114,000
Home Purchase 188 $27,323,000 $145,000 $417,000 $89,000 $529,000
Home Improvement 10 $736,000 $73,000 $161,000 $40,000 $64,000

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 391 $60,303,000 $154,000 $731,000 $103,000 $2,114,000
Not applicable 51 $7,578,000 $148,000 $415,000 $3,000 $122,000
Not Provided 45 $7,254,000 $161,000 $380,000 $82,000 $342,000
Hispanic 11 $1,880,000 $170,000 $608,000 $100,000 $166,000
American Indian or Alaskan Native 2 $404,000 $202,000 $290,000 $100,000 $138,000
Asian 1 $58,000 $58,000 $58,000 $42,000 $42,000
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) 427 $66,764,000 $156,000 $731,000 $100,000 $2,114,000
FHA-insured (Federal Housing Administration) 43 $6,249,000 $145,000 $279,000 $33,000 $118,000
VA-guaranteed (Veterans Administration) 20 $2,849,000 $142,000 $204,000 $42,000 $110,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,615,000 $146,000 $171,000 $34,000 $51,000

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 222 $32,017,000 $144,000 $417,000 $97,000 $2,114,000
Application Denied By Financial Institution 96 $15,001,000 $156,000 $731,000 $101,000 $2,077,000
Loan Purchased By The Institution 80 $12,351,000 $154,000 $415,000 $37,000 $529,000
Application Withdrawn By Applicant 44 $6,882,000 $156,000 $727,000 $89,000 $338,000
Application Approved But Not Accepted 40 $7,889,000 $197,000 $457,000 $117,000 $310,000
File Closed For Incompleteness 19 $3,337,000 $175,000 $416,000 $127,000 $750,000
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 38 $7,018,000 $184,000 $731,000 $110,000 $696,000
Other 13 $1,855,000 $142,000 $181,000 $231,000 $2,077,000
Debt-To-Income Ratio 10 $1,496,000 $149,000 $378,000 $76,000 $348,000
Credit History 9 $985,000 $109,000 $360,000 $46,000 $104,000
Credit Application Incomplete 5 $756,000 $151,000 $283,000 $103,000 $215,000
Unverifiable Information 3 $371,000 $123,000 $163,000 $40,000 $90,000
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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