First National Bank of Layton Mortgage Lending & HMDA Data, 2011
In 2011, First National Bank of Layton of Layton, UT reported 1,256 mortgage applications totaling $269.7 million, up 15% from 2010. The average application was for $214,695, and applicants reported an average income of $70,326. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (157), Ogden-Clearfield, UT (129) and Salt Lake City, UT (102) (applications in parentheses).
| Mortgage Company & Address | First National Bank of Layton 1601 N. Hillfield Road Layton, UT 84041 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,256 |
| Total Mortgage Loan Application Amount | $269,657,000 |
| Average Mortgage Loan Application Amount | $214,695 |
| Highest Mortgage Loan Application Amount | $976,000 |
| Average Applicant Income | $70,326 |
| Highest Applicant Income | $1,260,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of Layton filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa, Arizona | 138 | $ 22,454,000 | $ 162,710 | $ 84,000 |
| Salt Lake, Utah | 96 | $ 21,655,000 | $ 225,572 | $ 82,000 |
| Davis, Utah | 85 | $ 17,289,000 | $ 203,400 | $ 64,000 |
| Weber, Utah | 42 | $ 8,171,000 | $ 194,547 | $ 48,000 |
| Gila, Arizona | 24 | $ 3,096,000 | $ 129,000 | $ 80,000 |
| Clark, Nevada | 24 | $ 4,317,000 | $ 179,875 | $ 28,000 |
| Utah, Utah | 24 | $ 5,372,000 | $ 223,833 | $ 58,000 |
| Pinal, Arizona | 19 | $ 1,872,000 | $ 98,526 | $ 125,000 |
| El Paso, Colorado | 14 | $ 3,776,000 | $ 269,714 | $ 11,000 |
| King, Washington | 14 | $ 4,127,000 | $ 294,785 | $ 148,000 |
| Cook, Illinois | 13 | $ 2,908,000 | $ 223,692 | $ 95,000 |
| Riverside, California | 12 | $ 3,251,000 | $ 270,916 | $ 66,000 |
| Los Angeles, California | 11 | $ 3,040,000 | $ 276,363 | $ 78,000 |
| Ada, Idaho | 11 | $ 2,244,000 | $ 204,000 | $ 65,000 |
| Dallas, Texas | 10 | $ 1,189,000 | $ 118,900 | $ 58,000 |
| Snohomish, Washington | 10 | $ 2,387,000 | $ 238,700 | $ 96,000 |
| Anchorage, Alaska | 8 | $ 1,937,000 | $ 242,125 | $ 84,000 |
| Harris, Texas | 8 | $ 1,461,000 | $ 182,625 | $ 51,000 |
| Yavapai, Arizona | 7 | $ 1,339,000 | $ 191,285 | $ 56,000 |
| Broward, Florida | 7 | $ 1,202,000 | $ 171,714 | $ 112,000 |
| Nassau, New York | 7 | $ 2,444,000 | $ 349,142 | $ 100,000 |
| Wake, North Carolina | 7 | $ 1,852,000 | $ 264,571 | $ 45,000 |
| Fairfax, Virginia | 7 | $ 2,977,000 | $ 425,285 | $ 270,000 |
| Clark, Washington | 7 | $ 1,930,000 | $ 275,714 | $ 100,000 |
| Orange, California | 6 | $ 2,764,000 | $ 460,666 | $ 126,000 |
| San Diego, California | 6 | $ 1,990,000 | $ 331,666 | $ 20,000 |
| DeKalb, Georgia | 6 | $ 1,212,000 | $ 202,000 | $ 103,000 |
| Bernalillo, New Mexico | 6 | $ 1,024,000 | $ 170,666 | $ 65,000 |
| Suffolk, New York | 6 | $ 1,470,000 | $ 245,000 | $ 222,000 |
| Box Elder, Utah | 6 | $ 1,094,000 | $ 182,333 | $ 138,000 |
| Pima, Arizona | 5 | $ 1,208,000 | $ 241,600 | $ 30,000 |
| San Bernardino, California | 5 | $ 1,084,000 | $ 216,800 | $ 128,000 |
| Solano, California | 5 | $ 1,448,000 | $ 289,600 | $ 31,000 |
| Arapahoe, Colorado | 5 | $ 968,000 | $ 193,600 | $ 47,000 |
| Montgomery, Maryland | 5 | $ 1,920,000 | $ 384,000 | $ 124,000 |
| Oakland, Michigan | 5 | $ 1,322,000 | $ 264,400 | $ 57,000 |
| Multnomah, Oregon | 5 | $ 1,159,000 | $ 231,800 | $ 85,000 |
| Washington, Oregon | 5 | $ 1,541,000 | $ 308,200 | $ 89,000 |
| Montgomery, Tennessee | 5 | $ 837,000 | $ 167,400 | $ 9,000 |
| El Paso, Texas | 5 | $ 985,000 | $ 197,000 | $ 70,000 |
| Cache, Utah | 5 | $ 717,000 | $ 143,400 | $ 89,000 |
| Washington, Utah | 5 | $ 1,701,000 | $ 340,200 | $ 112,000 |
| Pierce, Washington | 5 | $ 1,148,000 | $ 229,600 | $ 30,000 |
| San Joaquin, California | 4 | $ 1,091,000 | $ 272,750 | $ 25,000 |
| Duval, Florida | 4 | $ 1,009,000 | $ 252,250 | $ 33,000 |
| St. Clair, Illinois | 4 | $ 888,000 | $ 222,000 | $ 27,000 |
| Will, Illinois | 4 | $ 1,126,000 | $ 281,500 | $ 63,000 |
| Baltimore, Maryland | 4 | $ 1,048,000 | $ 262,000 | $ 140,000 |
| Charles, Maryland | 4 | $ 849,000 | $ 212,250 | $ 73,000 |
| Howard, Maryland | 4 | $ 1,229,000 | $ 307,250 | $ 140,000 |
| Kent, Michigan | 4 | $ 459,000 | $ 114,750 | $ 66,000 |
| Macomb, Michigan | 4 | $ 440,000 | $ 110,000 | $ 26,000 |
| Monmouth, New Jersey | 4 | $ 1,498,000 | $ 374,500 | $ 111,000 |
| Kings, New York | 4 | $ 2,154,000 | $ 538,500 | $ 207,000 |
| Cumberland, North Carolina | 4 | $ 437,000 | $ 109,250 | $ 42,000 |
| Bexar, Texas | 4 | $ 593,000 | $ 148,250 | $ 36,000 |
| Denton, Texas | 4 | $ 1,053,000 | $ 263,250 | $ 20,000 |
| Fort Bend, Texas | 4 | $ 730,000 | $ 182,500 | $ 111,000 |
| Travis, Texas | 4 | $ 668,000 | $ 167,000 | $ 49,000 |
| Tooele, Utah | 4 | $ 999,000 | $ 249,750 | $ 44,000 |
| Kitsap, Washington | 4 | $ 1,082,000 | $ 270,500 | $ 16,000 |
| Alameda, California | 3 | $ 897,000 | $ 299,000 | $ 110,000 |
| Contra Costa, California | 3 | $ 988,000 | $ 329,333 | $ 151,000 |
| El Dorado, California | 3 | $ 775,000 | $ 258,333 | $ 23,000 |
| Placer, California | 3 | $ 802,000 | $ 267,333 | $ 101,000 |
| Sacramento, California | 3 | $ 922,000 | $ 307,333 | $ 15,000 |
| Larimer, Colorado | 3 | $ 474,000 | $ 158,000 | $ 51,000 |
| New Haven, Connecticut | 3 | $ 634,000 | $ 211,333 | $ 75,000 |
| New Castle, Delaware | 3 | $ 378,000 | $ 126,000 | $ 65,000 |
| Bay, Florida | 3 | $ 647,000 | $ 215,666 | $ 0 |
| Lee, Florida | 3 | $ 453,000 | $ 151,000 | $ 131,000 |
| Pinellas, Florida | 3 | $ 365,000 | $ 121,666 | $ 31,000 |
| St. Johns, Florida | 3 | $ 1,066,000 | $ 355,333 | $ 0 |
| Fulton, Georgia | 3 | $ 1,058,000 | $ 352,666 | $ 134,000 |
| Honolulu, Hawaii | 3 | $ 1,631,000 | $ 543,666 | $ 87,000 |
| Anne Arundel, Maryland | 3 | $ 1,064,000 | $ 354,666 | $ 0 |
| Harford, Maryland | 3 | $ 833,000 | $ 277,666 | $ 35,000 |
| Middlesex, Massachusetts | 3 | $ 753,000 | $ 251,000 | $ 97,000 |
| Norfolk, Massachusetts | 3 | $ 892,000 | $ 297,333 | $ 64,000 |
| Plymouth, Massachusetts | 3 | $ 780,000 | $ 260,000 | $ 62,000 |
| Worcester, Massachusetts | 3 | $ 625,000 | $ 208,333 | $ 151,000 |
| St. Charles, Missouri | 3 | $ 566,000 | $ 188,666 | $ 102,000 |
| St. Louis, Missouri | 3 | $ 635,000 | $ 211,666 | $ 86,000 |
| Ocean, New Jersey | 3 | $ 685,000 | $ 228,333 | $ 55,000 |
| Queens, New York | 3 | $ 731,000 | $ 243,666 | $ 149,000 |
| Richmond, New York | 3 | $ 603,000 | $ 201,000 | $ 82,000 |
| Allegheny, Pennsylvania | 3 | $ 526,000 | $ 175,333 | $ 38,000 |
| Bucks, Pennsylvania | 3 | $ 957,000 | $ 319,000 | $ 57,000 |
| Luzerne, Pennsylvania | 3 | $ 378,000 | $ 126,000 | $ 40,000 |
| Philadelphia, Pennsylvania | 3 | $ 469,000 | $ 156,333 | $ 46,000 |
| York, Pennsylvania | 3 | $ 797,000 | $ 265,666 | $ 0 |
| Beaufort, South Carolina | 3 | $ 894,000 | $ 298,000 | $ 71,000 |
| Galveston, Texas | 3 | $ 370,000 | $ 123,333 | $ 63,000 |
| Tarrant, Texas | 3 | $ 317,000 | $ 105,666 | $ 44,000 |
| Wasatch, Utah | 3 | $ 923,000 | $ 307,666 | $ 115,000 |
| Chesterfield, Virginia | 3 | $ 853,000 | $ 284,333 | $ 49,000 |
| Prince William, Virginia | 3 | $ 1,425,000 | $ 475,000 | $ 0 |
| Thurston, Washington | 3 | $ 754,000 | $ 251,333 | $ 0 |
| Matanuska-Susitna, Alaska | 2 | $ 408,000 | $ 204,000 | $ 71,000 |
| Mohave, Arizona | 2 | $ 290,000 | $ 145,000 | $ 131,000 |
| Navajo, Arizona | 2 | $ 455,000 | $ 227,500 | $ 179,000 |
| Benton, Arkansas | 2 | $ 262,000 | $ 131,000 | $ 80,000 |
| Amador, California | 2 | $ 456,000 | $ 228,000 | $ 107,000 |
| Humboldt, California | 2 | $ 415,000 | $ 207,500 | $ 29,000 |
| San Luis Obispo, California | 2 | $ 736,000 | $ 368,000 | $ 94,000 |
| Santa Clara, California | 2 | $ 492,000 | $ 246,000 | $ 66,000 |
| Santa Cruz, California | 2 | $ 1,318,000 | $ 659,000 | $ 116,000 |
| Ventura, California | 2 | $ 426,000 | $ 213,000 | $ 20,000 |
| Adams, Colorado | 2 | $ 514,000 | $ 257,000 | $ 0 |
| Boulder, Colorado | 2 | $ 694,000 | $ 347,000 | $ 0 |
| Delta, Colorado | 2 | $ 153,000 | $ 76,500 | $ 108,000 |
| Denver, Colorado | 2 | $ 402,000 | $ 201,000 | $ 63,000 |
| District of Columbia, District Of Columbia | 2 | $ 200,000 | $ 100,000 | $ 94,000 |
| Brevard, Florida | 2 | $ 567,000 | $ 283,500 | $ 301,000 |
| Hillsborough, Florida | 2 | $ 714,000 | $ 357,000 | $ 0 |
| Miami-Dade, Florida | 2 | $ 463,000 | $ 231,500 | $ 102,000 |
| Palm Beach, Florida | 2 | $ 679,000 | $ 339,500 | $ 0 |
| Sarasota, Florida | 2 | $ 204,000 | $ 102,000 | $ 42,000 |
| Seminole, Florida | 2 | $ 253,000 | $ 126,500 | $ 136,000 |
| Gwinnett, Georgia | 2 | $ 513,000 | $ 256,500 | $ 81,000 |
| Maui, Hawaii | 2 | $ 826,000 | $ 413,000 | $ 65,000 |
| Canyon, Idaho | 2 | $ 359,000 | $ 179,500 | $ 0 |
| DuPage, Illinois | 2 | $ 376,000 | $ 188,000 | $ 79,000 |
| McHenry, Illinois | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Douglas, Kansas | 2 | $ 441,000 | $ 220,500 | $ 129,000 |
| Lafayette, Louisiana | 2 | $ 1,015,000 | $ 507,500 | $ 0 |
| St. Mary's, Maryland | 2 | $ 694,000 | $ 347,000 | $ 43,000 |
| Hampden, Massachusetts | 2 | $ 320,000 | $ 160,000 | $ 43,000 |
| Kalamazoo, Michigan | 2 | $ 268,000 | $ 134,000 | $ 89,000 |
| Dakota, Minnesota | 2 | $ 532,000 | $ 266,000 | $ 0 |
| Washington, Minnesota | 2 | $ 487,000 | $ 243,500 | $ 19,000 |
| Boone, Missouri | 2 | $ 207,000 | $ 103,500 | $ 47,000 |
| Washoe, Nevada | 2 | $ 724,000 | $ 362,000 | $ 0 |
| Hillsborough, New Hampshire | 2 | $ 398,000 | $ 199,000 | $ 41,000 |
| Rockingham, New Hampshire | 2 | $ 407,000 | $ 203,500 | $ 39,000 |
| Bergen, New Jersey | 2 | $ 679,000 | $ 339,500 | $ 115,000 |
| Burlington, New Jersey | 2 | $ 594,000 | $ 297,000 | $ 56,000 |
| Essex, New Jersey | 2 | $ 596,000 | $ 298,000 | $ 165,000 |
| Middlesex, New Jersey | 2 | $ 396,000 | $ 198,000 | $ 34,000 |
| Warren, New Jersey | 2 | $ 448,000 | $ 224,000 | $ 164,000 |
| Erie, New York | 2 | $ 304,000 | $ 152,000 | $ 34,000 |
| Durham, North Carolina | 2 | $ 342,000 | $ 171,000 | $ 76,000 |
| Guilford, North Carolina | 2 | $ 667,000 | $ 333,500 | $ 121,000 |
| Cuyahoga, Ohio | 2 | $ 163,000 | $ 81,500 | $ 41,000 |
| Hamilton, Ohio | 2 | $ 409,000 | $ 204,500 | $ 101,000 |
| Richland, Ohio | 2 | $ 146,000 | $ 73,000 | $ 91,000 |
| Clackamas, Oregon | 2 | $ 563,000 | $ 281,500 | $ 44,000 |
| Lane, Oregon | 2 | $ 612,000 | $ 306,000 | $ 0 |
| Marion, Oregon | 2 | $ 278,000 | $ 139,000 | $ 86,000 |
| Montgomery, Pennsylvania | 2 | $ 282,000 | $ 141,000 | $ 98,000 |
| Tioga, Pennsylvania | 2 | $ 281,000 | $ 140,500 | $ 47,000 |
| Providence, Rhode Island | 2 | $ 408,000 | $ 204,000 | $ 0 |
| Dorchester, South Carolina | 2 | $ 246,000 | $ 123,000 | $ 88,000 |
| Horry, South Carolina | 2 | $ 436,000 | $ 218,000 | $ 67,000 |
| Richland, South Carolina | 2 | $ 568,000 | $ 284,000 | $ 34,000 |
| Rutherford, Tennessee | 2 | $ 298,000 | $ 149,000 | $ 30,000 |
| Collin, Texas | 2 | $ 368,000 | $ 184,000 | $ 117,000 |
| Parker, Texas | 2 | $ 376,000 | $ 188,000 | $ 0 |
| Morgan, Utah | 2 | $ 897,000 | $ 448,500 | $ 44,000 |
| Summit, Utah | 2 | $ 726,000 | $ 363,000 | $ 116,000 |
| Newport News, Virginia | 2 | $ 585,000 | $ 292,500 | $ 43,000 |
| Virginia Beach, Virginia | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Autauga, Alabama | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Elmore, Alabama | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Limestone, Alabama | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Montgomery, Alabama | 1 | $ 110,000 | $ 110,000 | $ 261,000 |
| Shelby, Alabama | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Fairbanks North Star, Alaska | 1 | $ 113,000 | $ 113,000 | $ 72,000 |
| Juneau, Alaska | 1 | $ 101,000 | $ 101,000 | $ 45,000 |
| Kodiak Island, Alaska | 1 | $ 150,000 | $ 150,000 | $ 83,000 |
| Cochise, Arizona | 1 | $ 104,000 | $ 104,000 | $ 25,000 |
| Coconino, Arizona | 1 | $ 416,000 | $ 416,000 | $ 85,000 |
| Yuma, Arizona | 1 | $ 184,000 | $ 184,000 | $ 95,000 |
| Boone, Arkansas | 1 | $ 83,000 | $ 83,000 | $ 18,000 |
| Saline, Arkansas | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Calaveras, California | 1 | $ 311,000 | $ 311,000 | $ 0 |
| Del Norte, California | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Kern, California | 1 | $ 332,000 | $ 332,000 | $ 3,000 |
| Marin, California | 1 | $ 606,000 | $ 606,000 | $ 172,000 |
| Mendocino, California | 1 | $ 331,000 | $ 331,000 | $ 104,000 |
| San Francisco, California | 1 | $ 313,000 | $ 313,000 | $ 108,000 |
| Santa Barbara, California | 1 | $ 96,000 | $ 96,000 | $ 47,000 |
| Sonoma, California | 1 | $ 191,000 | $ 191,000 | $ 135,000 |
| Tulare, California | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Douglas, Colorado | 1 | $ 203,000 | $ 203,000 | $ 101,000 |
| Jefferson, Colorado | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Pueblo, Colorado | 1 | $ 219,000 | $ 219,000 | $ 0 |
| San Miguel, Colorado | 1 | $ 417,000 | $ 417,000 | $ 183,000 |
| Hartford, Connecticut | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Windham, Connecticut | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Kent, Delaware | 1 | $ 148,000 | $ 148,000 | $ 24,000 |
| Escambia, Florida | 1 | $ 132,000 | $ 132,000 | $ 103,000 |
| Flagler, Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hendry, Florida | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Hernando, Florida | 1 | $ 162,000 | $ 162,000 | $ 46,000 |
| Indian River, Florida | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Lake, Florida | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Marion, Florida | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| Orange, Florida | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Polk, Florida | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Butts, Georgia | 1 | $ 84,000 | $ 84,000 | $ 45,000 |
| Carroll, Georgia | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Chatham, Georgia | 1 | $ 233,000 | $ 233,000 | $ 100,000 |
| Cherokee, Georgia | 1 | $ 126,000 | $ 126,000 | $ 38,000 |
| Clarke, Georgia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cobb, Georgia | 1 | $ 252,000 | $ 252,000 | $ 110,000 |
| Coweta, Georgia | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Dodge, Georgia | 1 | $ 127,000 | $ 127,000 | $ 59,000 |
| Dougherty, Georgia | 1 | $ 128,000 | $ 128,000 | $ 26,000 |
| Effingham, Georgia | 1 | $ 69,000 | $ 69,000 | $ 32,000 |
| Forsyth, Georgia | 1 | $ 122,000 | $ 122,000 | $ 78,000 |
| Lowndes, Georgia | 1 | $ 180,000 | $ 180,000 | $ 52,000 |
| Paulding, Georgia | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Peach, Georgia | 1 | $ 417,000 | $ 417,000 | $ 124,000 |
| Walker, Georgia | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Washington, Georgia | 1 | $ 224,000 | $ 224,000 | $ 341,000 |
| Whitfield, Georgia | 1 | $ 140,000 | $ 140,000 | $ 68,000 |
| Bannock, Idaho | 1 | $ 141,000 | $ 141,000 | $ 77,000 |
| Payette, Idaho | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Lake, Illinois | 1 | $ 76,000 | $ 76,000 | $ 86,000 |
| Rock Island, Illinois | 1 | $ 204,000 | $ 204,000 | $ 88,000 |
| Williamson, Illinois | 1 | $ 104,000 | $ 104,000 | $ 50,000 |
| Carroll, Indiana | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Kosciusko, Indiana | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Linn, Iowa | 1 | $ 143,000 | $ 143,000 | $ 62,000 |
| Muscatine, Iowa | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Scott, Iowa | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Barber, Kansas | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Coffey, Kansas | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Riley, Kansas | 1 | $ 109,000 | $ 109,000 | $ 107,000 |
| Sedgwick, Kansas | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Shawnee, Kansas | 1 | $ 208,000 | $ 208,000 | $ 70,000 |
| Barren, Kentucky | 1 | $ 376,000 | $ 376,000 | $ 253,000 |
| Fayette, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Hardin, Kentucky | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Jessamine, Kentucky | 1 | $ 148,000 | $ 148,000 | $ 251,000 |
| Marshall, Kentucky | 1 | $ 182,000 | $ 182,000 | $ 120,000 |
| Martin, Kentucky | 1 | $ 223,000 | $ 223,000 | $ 75,000 |
| Mercer, Kentucky | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Assumption, Louisiana | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Caddo, Louisiana | 1 | $ 142,000 | $ 142,000 | $ 0 |
| St. Mary, Louisiana | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Androscoggin, Maine | 1 | $ 151,000 | $ 151,000 | $ 111,000 |
| Hancock, Maine | 1 | $ 90,000 | $ 90,000 | $ 32,000 |
| York, Maine | 1 | $ 225,000 | $ 225,000 | $ 179,000 |
| Baltimore City, Maryland | 1 | $ 191,000 | $ 191,000 | $ 67,000 |
| Calvert, Maryland | 1 | $ 214,000 | $ 214,000 | $ 83,000 |
| Carroll, Maryland | 1 | $ 355,000 | $ 355,000 | $ 134,000 |
| Frederick, Maryland | 1 | $ 177,000 | $ 177,000 | $ 143,000 |
| Prince George's, Maryland | 1 | $ 429,000 | $ 429,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Bristol, Massachusetts | 1 | $ 322,000 | $ 322,000 | $ 103,000 |
| Gratiot, Michigan | 1 | $ 84,000 | $ 84,000 | $ 46,000 |
| Ottawa, Michigan | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| St. Clair, Michigan | 1 | $ 157,000 | $ 157,000 | $ 95,000 |
| Wayne, Michigan | 1 | $ 234,000 | $ 234,000 | $ 89,000 |
| Becker, Minnesota | 1 | $ 322,000 | $ 322,000 | $ 97,000 |
| Benton, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Hennepin, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Hubbard, Minnesota | 1 | $ 139,000 | $ 139,000 | $ 32,000 |
| DeSoto, Mississippi | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Grenada, Mississippi | 1 | $ 157,000 | $ 157,000 | $ 29,000 |
| Oktibbeha, Mississippi | 1 | $ 137,000 | $ 137,000 | $ 37,000 |
| Barry, Missouri | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Clay, Missouri | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Jackson, Missouri | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Cascade, Montana | 1 | $ 79,000 | $ 79,000 | $ 39,000 |
| Missoula, Montana | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Lancaster, Nebraska | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Carroll, New Hampshire | 1 | $ 203,000 | $ 203,000 | $ 65,000 |
| Atlantic, New Jersey | 1 | $ 408,000 | $ 408,000 | $ 133,000 |
| Hunterdon, New Jersey | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Passaic, New Jersey | 1 | $ 76,000 | $ 76,000 | $ 39,000 |
| Somerset, New Jersey | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Sussex, New Jersey | 1 | $ 317,000 | $ 317,000 | $ 102,000 |
| Dona Ana, New Mexico | 1 | $ 148,000 | $ 148,000 | $ 37,000 |
| Sandoval, New Mexico | 1 | $ 140,000 | $ 140,000 | $ 55,000 |
| Valencia, New Mexico | 1 | $ 126,000 | $ 126,000 | $ 29,000 |
| Dutchess, New York | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Livingston, New York | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Monroe, New York | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Niagara, New York | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Onondaga, New York | 1 | $ 166,000 | $ 166,000 | $ 63,000 |
| Orange, New York | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| Schenectady, New York | 1 | $ 193,000 | $ 193,000 | $ 181,000 |
| Tioga, New York | 1 | $ 223,000 | $ 223,000 | $ 83,000 |
| Westchester, New York | 1 | $ 700,000 | $ 700,000 | $ 299,000 |
| Brunswick, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 66,000 |
| Burke, North Carolina | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Currituck, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Dare, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 214,000 |
| Forsyth, North Carolina | 1 | $ 298,000 | $ 298,000 | $ 144,000 |
| Halifax, North Carolina | 1 | $ 106,000 | $ 106,000 | $ 30,000 |
| Haywood, North Carolina | 1 | $ 171,000 | $ 171,000 | $ 69,000 |
| Hertford, North Carolina | 1 | $ 108,000 | $ 108,000 | $ 54,000 |
| Montgomery, North Carolina | 1 | $ 250,000 | $ 250,000 | $ 155,000 |
| Onslow, North Carolina | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Robeson, North Carolina | 1 | $ 213,000 | $ 213,000 | $ 117,000 |
| Rowan, North Carolina | 1 | $ 136,000 | $ 136,000 | $ 39,000 |
| Union, North Carolina | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Wayne, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Cass, North Dakota | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Grand Forks, North Dakota | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Traill, North Dakota | 1 | $ 171,000 | $ 171,000 | $ 81,000 |
| Allen, Ohio | 1 | $ 56,000 | $ 56,000 | $ 75,000 |
| Butler, Ohio | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Crawford, Ohio | 1 | $ 79,000 | $ 79,000 | $ 32,000 |
| Fairfield, Ohio | 1 | $ 153,000 | $ 153,000 | $ 157,000 |
| Franklin, Ohio | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Lake, Ohio | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Medina, Ohio | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Seneca, Ohio | 1 | $ 111,000 | $ 111,000 | $ 54,000 |
| Summit, Ohio | 1 | $ 172,000 | $ 172,000 | $ 97,000 |
| Washington, Ohio | 1 | $ 167,000 | $ 167,000 | $ 62,000 |
| Deschutes, Oregon | 1 | $ 372,000 | $ 372,000 | $ 153,000 |
| Douglas, Oregon | 1 | $ 229,000 | $ 229,000 | $ 46,000 |
| Hood River, Oregon | 1 | $ 400,000 | $ 400,000 | $ 286,000 |
| Polk, Oregon | 1 | $ 252,000 | $ 252,000 | $ 130,000 |
| Tillamook, Oregon | 1 | $ 193,000 | $ 193,000 | $ 93,000 |
| Yamhill, Oregon | 1 | $ 231,000 | $ 231,000 | $ 50,000 |
| Adams, Pennsylvania | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Armstrong, Pennsylvania | 1 | $ 93,000 | $ 93,000 | $ 99,000 |
| Butler, Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 63,000 |
| Delaware, Pennsylvania | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Elk, Pennsylvania | 1 | $ 83,000 | $ 83,000 | $ 52,000 |
| Lackawanna, Pennsylvania | 1 | $ 97,000 | $ 97,000 | $ 38,000 |
| Lancaster, Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Lycoming, Pennsylvania | 1 | $ 91,000 | $ 91,000 | $ 55,000 |
| Northampton, Pennsylvania | 1 | $ 270,000 | $ 270,000 | $ 136,000 |
| Anderson, South Carolina | 1 | $ 243,000 | $ 243,000 | $ 75,000 |
| Berkeley, South Carolina | 1 | $ 118,000 | $ 118,000 | $ 28,000 |
| Charleston, South Carolina | 1 | $ 159,000 | $ 159,000 | $ 58,000 |
| Orangeburg, South Carolina | 1 | $ 61,000 | $ 61,000 | $ 15,000 |
| Sumter, South Carolina | 1 | $ 219,000 | $ 219,000 | $ 0 |
| York, South Carolina | 1 | $ 441,000 | $ 441,000 | $ 0 |
| Custer, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Bradley, Tennessee | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Hamblen, Tennessee | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Knox, Tennessee | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Robertson, Tennessee | 1 | $ 306,000 | $ 306,000 | $ 0 |
| Sumner, Tennessee | 1 | $ 272,000 | $ 272,000 | $ 111,000 |
| Bell, Texas | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Brazoria, Texas | 1 | $ 106,000 | $ 106,000 | $ 103,000 |
| Chambers, Texas | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Comal, Texas | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Ellis, Texas | 1 | $ 157,000 | $ 157,000 | $ 77,000 |
| Hays, Texas | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Henderson, Texas | 1 | $ 61,000 | $ 61,000 | $ 53,000 |
| Hidalgo, Texas | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| Matagorda, Texas | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Medina, Texas | 1 | $ 269,000 | $ 269,000 | $ 99,000 |
| Montgomery, Texas | 1 | $ 87,000 | $ 87,000 | $ 56,000 |
| Nueces, Texas | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Randall, Texas | 1 | $ 202,000 | $ 202,000 | $ 144,000 |
| Rockwall, Texas | 1 | $ 188,000 | $ 188,000 | $ 110,000 |
| Washington, Texas | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Webb, Texas | 1 | $ 167,000 | $ 167,000 | $ 108,000 |
| Iron, Utah | 1 | $ 166,000 | $ 166,000 | $ 38,000 |
| Kane, Utah | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Millard, Utah | 1 | $ 262,000 | $ 262,000 | $ 49,000 |
| Caledonia, Vermont | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Lamoille, Vermont | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Windham, Vermont | 1 | $ 179,000 | $ 179,000 | $ 179,000 |
| Windsor, Vermont | 1 | $ 79,000 | $ 79,000 | $ 22,000 |
| Fauquier, Virginia | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Henrico, Virginia | 1 | $ 327,000 | $ 327,000 | $ 0 |
| King William, Virginia | 1 | $ 198,000 | $ 198,000 | $ 66,000 |
| Loudoun, Virginia | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Norfolk, Virginia | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Patrick, Virginia | 1 | $ 198,000 | $ 198,000 | $ 98,000 |
| Poquoson, Virginia | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Rappahannock, Virginia | 1 | $ 168,000 | $ 168,000 | $ 390,000 |
| Richmond City, Virginia | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Cowlitz, Washington | 1 | $ 107,000 | $ 107,000 | $ 71,000 |
| Island, Washington | 1 | $ 412,000 | $ 412,000 | $ 112,000 |
| Klickitat, Washington | 1 | $ 79,000 | $ 79,000 | $ 57,000 |
| Mason, Washington | 1 | $ 128,000 | $ 128,000 | $ 0 |
| San Juan, Washington | 1 | $ 359,000 | $ 359,000 | $ 72,000 |
| Spokane, Washington | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Boone, West Virginia | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Brooke, West Virginia | 1 | $ 184,000 | $ 184,000 | $ 80,000 |
| Kanawha, West Virginia | 1 | $ 68,000 | $ 68,000 | $ 24,000 |
| Ohio, West Virginia | 1 | $ 200,000 | $ 200,000 | $ 73,000 |
| Chippewa, Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Door, Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Eau Claire, Wisconsin | 1 | $ 146,000 | $ 146,000 | $ 0 |
| La Crosse, Wisconsin | 1 | $ 161,000 | $ 161,000 | $ 43,000 |
| Milwaukee, Wisconsin | 1 | $ 174,000 | $ 174,000 | $ 60,000 |
| Outagamie, Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Racine, Wisconsin | 1 | $ 124,000 | $ 124,000 | $ 63,000 |
| Laramie, Wyoming | 1 | $ 127,000 | $ 127,000 | $ 81,000 |
| Sweetwater, Wyoming | 1 | $ 274,000 | $ 274,000 | $ 67,000 |
| Uinta, Wyoming | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for First National Bank of Layton 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 | 858 | $201,032,000 | $234,000 | $976,000 | $64,000 | $1,260,000 |
| Home Purchase | 396 | $68,522,000 | $173,000 | $516,000 | $84,000 | $583,000 |
| Home Improvement | 2 | $103,000 | $51,000 | $85,000 | $77,000 | $80,000 |
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 | 940 | $200,001,000 | $212,000 | $793,000 | $70,000 | $819,000 |
| Not Provided | 129 | $31,919,000 | $247,000 | $706,000 | $92,000 | $1,260,000 |
| Hispanic | 81 | $13,646,000 | $168,000 | $505,000 | $43,000 | $149,000 |
| Black or African American | 63 | $13,913,000 | $220,000 | $976,000 | $49,000 | $181,000 |
| Asian | 31 | $7,040,000 | $227,000 | $417,000 | $110,000 | $341,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,637,000 | $272,000 | $516,000 | $62,000 | $110,000 |
| American Indian or Alaskan Native | 4 | $1,050,000 | $262,000 | $343,000 | $31,000 | $127,000 |
| Not applicable | 2 | $451,000 | $225,000 | $296,000 | $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) | 531 | $108,135,000 | $203,000 | $650,000 | $109,000 | $1,260,000 |
| VA-guaranteed (Veterans Administration) | 388 | $101,163,000 | $260,000 | $976,000 | $18,000 | $253,000 |
| FHA-insured (Federal Housing Administration) | 321 | $57,895,000 | $180,000 | $706,000 | $72,000 | $583,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,464,000 | $154,000 | $347,000 | $49,000 | $89,000 |
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 | 999 | $215,668,000 | $215,000 | $976,000 | $63,000 | $596,000 |
| Application Withdrawn By Applicant | 187 | $41,392,000 | $221,000 | $634,000 | $98,000 | $1,260,000 |
| Application Denied By Financial Institution | 59 | $10,651,000 | $180,000 | $650,000 | $104,000 | $819,000 |
| File Closed For Incompleteness | 10 | $1,888,000 | $188,000 | $530,000 | $80,000 | $184,000 |
| Application Approved But Not Accepted | 1 | $58,000 | $58,000 | $58,000 | $23,000 | $23,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 16 | $2,701,000 | $168,000 | $417,000 | $66,000 | $124,000 |
| Collateral | 12 | $2,391,000 | $199,000 | $650,000 | $121,000 | $439,000 |
| Other | 12 | $2,300,000 | $191,000 | $416,000 | $162,000 | $819,000 |
| Credit History | 11 | $1,765,000 | $160,000 | $414,000 | $93,000 | $261,000 |
| Employment History | 4 | $583,000 | $145,000 | $207,000 | $49,000 | $92,000 |
| Unverifiable Information | 3 | $550,000 | $183,000 | $225,000 | $96,000 | $179,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $361,000 | $361,000 | $361,000 | $183,000 | $183,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Layton's 2011 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 First National Bank of Layton'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.
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