Bank Of Utah
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Bank Of Utah 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bank Of Utah 2605 Washington Boulevard Ogden, UT 84401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 |
| Total Number of Mortgage Applications | 952 |
| Total Mortgage Loan Application Amount | $480,660,000 |
| Average Mortgage Loan Application Amount | $541,833 |
| Highest Mortgage Loan Application Amount | $20,405,000 |
| Average Applicant Income | $99,833 |
| Highest Applicant Income | $2,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Bank Of Utah. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bank Of Utah's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Bank Of Utah's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bank Of Utah serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Of Utah, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bank Of Utah's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Weber County Utah | 175 | $ 92,575,000 | $ 529,000 | $ 146,000 |
| Cache County Utah | 162 | $ 61,790,000 | $ 381,000 | $ 110,000 |
| Carbon County Utah | 98 | $ 15,900,000 | $ 162,000 | $ 72,000 |
| Salt Lake County Utah | 87 | $ 49,435,000 | $ 568,000 | $ 147,000 |
| Davis County Utah | 65 | $ 25,655,000 | $ 394,000 | $ 116,000 |
| Washington County Utah | 61 | $ 33,325,000 | $ 546,000 | $ 127,000 |
| Box Elder County Utah | 54 | $ 20,060,000 | $ 371,000 | $ 106,000 |
| Utah County Utah | 51 | $ 43,325,000 | $ 849,000 | $ 195,000 |
| Wasatch County Utah | 35 | $ 38,025,000 | $ 1,086,000 | $ 433,000 |
| Emery County Utah | 22 | $ 4,320,000 | $ 196,000 | $ 83,000 |
| Franklin County Idaho | 12 | $ 3,880,000 | $ 323,000 | $ 117,000 |
| Rich County Utah | 11 | $ 5,275,000 | $ 479,000 | $ 189,000 |
| Summit County Utah | 10 | $ 3,960,000 | $ 396,000 | $ 112,000 |
| Tooele County Utah | 7 | $ 2,675,000 | $ 382,000 | $ 99,000 |
| Uintah County Utah | 7 | $ 1,695,000 | $ 242,000 | $ 70,000 |
| Los Angeles County California | 5 | $ 3,355,000 | $ 671,000 | $ 180,000 |
| Duchesne County Utah | 5 | $ 1,175,000 | $ 235,000 | $ 78,000 |
| Iron County Utah | 5 | $ 2,075,000 | $ 415,000 | $ 150,000 |
| Morgan County Utah | 5 | $ 2,305,000 | $ 461,000 | $ 134,000 |
| Maricopa County Arizona | 4 | $ 1,830,000 | $ 457,000 | $ 145,000 |
| Pinal County Arizona | 4 | $ 2,610,000 | $ 652,000 | $ 100,000 |
| Clark County Nevada | 4 | $ 1,470,000 | $ 367,000 | $ 163,000 |
| Jefferson County Colorado | 3 | $ 1,395,000 | $ 465,000 | $ 109,000 |
| Bannock County Idaho | 3 | $ 1,055,000 | $ 351,000 | $ 152,000 |
| Bear Lake County Idaho | 3 | $ 1,955,000 | $ 651,000 | $ 167,000 |
| Lincoln County Wyoming | 3 | $ 915,000 | $ 305,000 | $ 76,000 |
| Orange County California | 2 | $ 1,290,000 | $ 645,000 | $ 148,000 |
| Adams County Colorado | 2 | $ 750,000 | $ 375,000 | $ 197,000 |
| Ada County Idaho | 2 | $ 6,510,000 | $ 3,255,000 | $ 161,000 |
| Canyon County Idaho | 2 | $ 1,370,000 | $ 685,000 | $ 0 |
| Oneida County Idaho | 2 | $ 2,520,000 | $ 1,260,000 | $ 105,000 |
| Comal County Texas | 2 | $ 280,000 | $ 140,000 | $ 99,000 |
| Tarrant County Texas | 2 | $ 770,000 | $ 385,000 | $ 288,000 |
| Sanpete County Utah | 2 | $ 1,130,000 | $ 565,000 | $ 106,000 |
| Navajo County Arizona | 1 | $ 375,000 | $ 375,000 | $ 133,000 |
| Yuma County Arizona | 1 | $ 315,000 | $ 315,000 | $ 60,000 |
| Sonoma County California | 1 | $ 2,275,000 | $ 2,275,000 | $ 0 |
| Stanislaus County California | 1 | $ 485,000 | $ 485,000 | $ 102,000 |
| Boulder County Colorado | 1 | $ 585,000 | $ 585,000 | $ 121,000 |
| Mesa County Colorado | 1 | $ 905,000 | $ 905,000 | $ 220,000 |
| Weld County Colorado | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Kauai County Hawaii | 1 | $ 2,455,000 | $ 2,455,000 | $ 0 |
| Maui County Hawaii | 1 | $ 555,000 | $ 555,000 | $ 92,000 |
| Elmore County Idaho | 1 | $ 3,255,000 | $ 3,255,000 | $ 0 |
| Fremont County Idaho | 1 | $ 1,355,000 | $ 1,355,000 | $ 300,000 |
| Jefferson County Idaho | 1 | $ 475,000 | $ 475,000 | $ 100,000 |
| Power County Idaho | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Teton County Idaho | 1 | $ 385,000 | $ 385,000 | $ 242,000 |
| Valley County Idaho | 1 | $ 285,000 | $ 285,000 | $ 104,000 |
| Middlesex County Massachusetts | 1 | $ 615,000 | $ 615,000 | $ 219,000 |
| Pennington County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 55,000 |
| Missoula County Montana | 1 | $ 425,000 | $ 425,000 | $ 200,000 |
| Ravalli County Montana | 1 | $ 1,575,000 | $ 1,575,000 | $ 750,000 |
| Yellowstone County Montana | 1 | $ 20,405,000 | $ 20,405,000 | $ 0 |
| Elko County Nevada | 1 | $ 175,000 | $ 175,000 | $ 150,000 |
| Luna County New Mexico | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Clatsop County Oregon | 1 | $ 445,000 | $ 445,000 | $ 150,000 |
| Multnomah County Oregon | 1 | $ 285,000 | $ 285,000 | $ 142,000 |
| Montgomery County Pennsylvania | 1 | $ 1,095,000 | $ 1,095,000 | $ 268,000 |
| Bexar County Texas | 1 | $ 275,000 | $ 275,000 | $ 128,000 |
| Denton County Texas | 1 | $ 535,000 | $ 535,000 | $ 184,000 |
| Harris County Texas | 1 | $ 635,000 | $ 635,000 | $ 127,000 |
| Hood County Texas | 1 | $ 265,000 | $ 265,000 | $ 126,000 |
| Daggett County Utah | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
| Juab County Utah | 1 | $ 395,000 | $ 395,000 | $ 94,000 |
| Kane County Utah | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Clallam County Washington | 1 | $ 305,000 | $ 305,000 | $ 71,000 |
| Fremont County Wyoming | 1 | $ 485,000 | $ 485,000 | $ 162,000 |
| Sublette County Wyoming | 1 | $ 315,000 | $ 315,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Bank Of Utah in 2022
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 | 754 | $401,020,000 | $531,000 | $20,405,000 | $143,000 | $2,200,000 |
| Cash-out Refinancing | 121 | $42,925,000 | $354,000 | $3,255,000 | $109,000 | $740,000 |
| Refinancing | 64 | $25,470,000 | $397,000 | $1,575,000 | $120,000 | $427,000 |
| Other Purpose | 6 | $1,660,000 | $276,000 | $645,000 | $144,000 | $233,000 |
| Home Improvement | 6 | $9,470,000 | $1,578,000 | $8,105,000 | $83,000 | $143,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
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 | 698 | $279,040,000 | $399,000 | $2,905,000 | $137,000 | $2,200,000 |
| Not Provided | 94 | $48,880,000 | $520,000 | $1,525,000 | $169,000 | $850,000 |
| Hispanic | 74 | $25,120,000 | $339,000 | $1,185,000 | $101,000 | $570,000 |
| Asian | 40 | $18,090,000 | $452,000 | $1,095,000 | $135,000 | $332,000 |
| Not applicable | 31 | $102,965,000 | $3,321,000 | $20,405,000 | $0 | $0 |
| Black or African American | 5 | $2,945,000 | $589,000 | $1,025,000 | $128,000 | $169,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,220,000 | $305,000 | $645,000 | $103,000 | $164,000 |
| American Indian or Alaskan Native | 4 | $1,530,000 | $382,000 | $605,000 | $100,000 | $137,000 |
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) | 818 | $433,200,000 | $529,000 | $20,405,000 | $144,000 | $2,200,000 |
| FHA-insured (Federal Housing Administration) | 89 | $26,145,000 | $293,000 | $615,000 | $75,000 | $154,000 |
| VA-guaranteed (Veterans Administration) | 40 | $20,180,000 | $504,000 | $1,125,000 | $131,000 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,135,000 | $227,000 | $405,000 | $66,000 | $84,000 |
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 | 678 | $308,030,000 | $454,000 | $20,405,000 | $121,000 | $1,525,000 |
| Application Withdrawn By Applicant | 245 | $152,355,000 | $621,000 | $11,005,000 | $181,000 | $2,200,000 |
| Application Denied By Financial Institution | 19 | $16,075,000 | $846,000 | $8,105,000 | $54,000 | $74,000 |
| Application Approved But Not Accepted | 5 | $1,015,000 | $203,000 | $525,000 | $99,000 | $190,000 |
| Loan Purchased By The Institution | 4 | $910,000 | $227,000 | $475,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $2,275,000 | $2,275,000 | $2,275,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 933 | $464,585,000 | $497,000 | $20,405,000 | $137,000 | $2,200,000 |
| Credit History | 9 | $3,535,000 | $392,000 | $1,025,000 | $0 | $0 |
| Collateral | 5 | $9,605,000 | $1,921,000 | $8,105,000 | $0 | $0 |
| Debt-To-Income Ratio | 4 | $2,420,000 | $605,000 | $1,575,000 | $72,000 | $74,000 |
| Employment History | 1 | $515,000 | $515,000 | $515,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of Utah's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank Of Utah's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.