First National Bank Of Layton
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012

First National Bank Of Layton 2012 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 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 1,934
Total Mortgage Loan Application Amount $507,106,000
Average Mortgage Loan Application Amount $163,333
Highest Mortgage Loan Application Amount $1,318,000
Average Applicant Income $58,666
Highest Applicant Income $660,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with First National Bank Of Layton. 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 First National Bank Of Layton's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2012 breaks down First National Bank Of Layton'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 First National Bank Of Layton serves its applicants.

Each category highlights the total number of mortgage applications processed by First National Bank Of Layton, 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 First National Bank Of Layton's mortgage activity for 2012.

Mortgage Loan Application Totals for First National Bank Of Layton by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Davis County Utah 105 $ 23,408,000 $ 222,000 $ 62,000
Maricopa County Arizona 82 $ 18,451,000 $ 225,000 $ 59,000
Salt Lake County Utah 71 $ 17,508,000 $ 246,000 $ 46,000
Clark County Nevada 45 $ 10,923,000 $ 242,000 $ 19,000
Weber County Utah 42 $ 8,936,000 $ 212,000 $ 40,000
Suffolk County New York 31 $ 7,074,000 $ 228,000 $ 74,000
El Paso County Colorado 27 $ 7,339,000 $ 271,000 $ 8,000
Riverside County California 24 $ 6,528,000 $ 272,000 $ 67,000
Honolulu County Hawaii 23 $ 12,020,000 $ 522,000 $ 0
Utah County Utah 23 $ 5,322,000 $ 231,000 $ 30,000
Los Angeles County California 21 $ 6,364,000 $ 303,000 $ 64,000
Prince William County Virginia 21 $ 7,806,000 $ 371,000 $ 15,000
San Diego County California 19 $ 7,439,000 $ 391,000 $ 9,000
Virginia Beach County Virginia 19 $ 4,528,000 $ 238,000 $ 39,000
Pierce County Washington 18 $ 6,105,000 $ 339,000 $ 8,000
Prince George's County Maryland 17 $ 6,153,000 $ 361,000 $ 25,000
Fairfax County Virginia 17 $ 7,529,000 $ 442,000 $ 55,000
Stafford County Virginia 17 $ 5,334,000 $ 313,000 $ 74,000
Anchorage County Alaska 16 $ 5,209,000 $ 325,000 $ 0
Ada County Idaho 16 $ 3,640,000 $ 227,000 $ 32,000
Gila County Arizona 13 $ 2,404,000 $ 184,000 $ 46,000
Burlington County New Jersey 13 $ 3,420,000 $ 263,000 $ 30,000
Bexar County Texas 13 $ 3,554,000 $ 273,000 $ 5,000
Spotsylvania County Virginia 13 $ 3,665,000 $ 281,000 $ 66,000
Arapahoe County Colorado 12 $ 2,700,000 $ 225,000 $ 53,000
Anne Arundel County Maryland 12 $ 4,461,000 $ 371,000 $ 40,000
Oakland County Michigan 12 $ 2,740,000 $ 228,000 $ 54,000
Richmond County New York 11 $ 3,308,000 $ 300,000 $ 110,000
New Castle County Delaware 10 $ 2,452,000 $ 245,000 $ 79,000
Baltimore County Maryland 10 $ 2,980,000 $ 298,000 $ 94,000
Howard County Maryland 10 $ 4,346,000 $ 434,000 $ 38,000
Queens County New York 10 $ 3,555,000 $ 355,000 $ 75,000
San Bernardino County California 9 $ 1,968,000 $ 218,000 $ 48,000
District of Columbia County District Of Columbia 9 $ 3,527,000 $ 391,000 $ 51,000
Duval County Florida 9 $ 1,743,000 $ 193,000 $ 4,000
Middlesex County Massachusetts 9 $ 4,119,000 $ 457,000 $ 6,000
Nassau County New York 9 $ 3,523,000 $ 391,000 $ 93,000
Lackawanna County Pennsylvania 9 $ 1,020,000 $ 113,000 $ 42,000
Dallas County Texas 9 $ 1,442,000 $ 160,000 $ 59,000
Thurston County Washington 9 $ 2,185,000 $ 242,000 $ 0
Pima County Arizona 8 $ 2,286,000 $ 285,000 $ 14,000
Orange County California 8 $ 3,692,000 $ 461,000 $ 86,000
St. Mary's County Maryland 8 $ 2,603,000 $ 325,000 $ 0
Kent County Michigan 8 $ 1,017,000 $ 127,000 $ 34,000
Westchester County New York 8 $ 3,290,000 $ 411,000 $ 71,000
Matanuska-Susitna County Alaska 7 $ 1,658,000 $ 236,000 $ 0
Pinal County Arizona 7 $ 1,008,000 $ 144,000 $ 75,000
Adams County Colorado 7 $ 1,524,000 $ 217,000 $ 42,000
Sussex County Delaware 7 $ 1,445,000 $ 206,000 $ 41,000
Pasco County Florida 7 $ 1,814,000 $ 259,000 $ 32,000
Cook County Illinois 7 $ 1,541,000 $ 220,000 $ 41,000
Montgomery County Maryland 7 $ 2,547,000 $ 363,000 $ 51,000
Ocean County New Jersey 7 $ 1,928,000 $ 275,000 $ 30,000
Richland County South Carolina 7 $ 1,524,000 $ 217,000 $ 30,000
Harris County Texas 7 $ 2,415,000 $ 345,000 $ 18,000
Loudoun County Virginia 7 $ 3,663,000 $ 523,000 $ 28,000
Cochise County Arizona 6 $ 1,580,000 $ 263,000 $ 0
Contra Costa County California 6 $ 1,662,000 $ 277,000 $ 89,000
Hartford County Connecticut 6 $ 1,479,000 $ 246,000 $ 0
Broward County Florida 6 $ 1,547,000 $ 257,000 $ 41,000
Cobb County Georgia 6 $ 1,336,000 $ 222,000 $ 39,000
Cumberland County North Carolina 6 $ 1,279,000 $ 213,000 $ 25,000
Johnston County North Carolina 6 $ 1,313,000 $ 218,000 $ 0
Monroe County Pennsylvania 6 $ 1,207,000 $ 201,000 $ 23,000
Philadelphia County Pennsylvania 6 $ 839,000 $ 139,000 $ 36,000
York County Pennsylvania 6 $ 1,666,000 $ 277,000 $ 27,000
Dorchester County South Carolina 6 $ 1,467,000 $ 244,000 $ 0
Galveston County Texas 6 $ 1,300,000 $ 216,000 $ 27,000
Guadalupe County Texas 6 $ 1,535,000 $ 255,000 $ 47,000
Williamson County Texas 6 $ 1,402,000 $ 233,000 $ 67,000
King County Washington 6 $ 2,470,000 $ 411,000 $ 0
Kitsap County Washington 6 $ 2,527,000 $ 421,000 $ 0
Snohomish County Washington 6 $ 1,823,000 $ 303,000 $ 0
Santa Clara County California 5 $ 2,182,000 $ 436,000 $ 88,000
Solano County California 5 $ 1,355,000 $ 271,000 $ 43,000
Boulder County Colorado 5 $ 1,544,000 $ 308,000 $ 55,000
Denver County Colorado 5 $ 1,566,000 $ 313,000 $ 125,000
Hillsborough County Florida 5 $ 1,117,000 $ 223,000 $ 5,000
Miami-Dade County Florida 5 $ 1,395,000 $ 279,000 $ 43,000
Orange County Florida 5 $ 1,773,000 $ 354,000 $ 25,000
Columbia County Georgia 5 $ 1,281,000 $ 256,000 $ 0
Hardin County Kentucky 5 $ 1,054,000 $ 210,000 $ 0
Carroll County Maryland 5 $ 1,694,000 $ 338,000 $ 30,000
Harford County Maryland 5 $ 1,155,000 $ 231,000 $ 35,000
Sarpy County Nebraska 5 $ 1,030,000 $ 206,000 $ 4,000
Rockingham County New Hampshire 5 $ 1,466,000 $ 293,000 $ 0
Bergen County New Jersey 5 $ 1,456,000 $ 291,000 $ 56,000
Mecklenburg County North Carolina 5 $ 752,000 $ 150,000 $ 59,000
Wake County North Carolina 5 $ 1,421,000 $ 284,000 $ 0
Denton County Texas 5 $ 1,125,000 $ 225,000 $ 43,000
Montgomery County Texas 5 $ 1,736,000 $ 347,000 $ 0
Tarrant County Texas 5 $ 767,000 $ 153,000 $ 26,000
Spokane County Washington 5 $ 1,129,000 $ 225,000 $ 0
Yavapai County Arizona 4 $ 824,000 $ 206,000 $ 80,000
Napa County California 4 $ 2,261,000 $ 565,000 $ 16,000
Sacramento County California 4 $ 1,095,000 $ 273,000 $ 23,000
Bay County Florida 4 $ 824,000 $ 206,000 $ 8,000
Bryan County Georgia 4 $ 917,000 $ 229,000 $ 24,000
Gwinnett County Georgia 4 $ 753,000 $ 188,000 $ 59,000
Elmore County Idaho 4 $ 439,000 $ 109,000 $ 49,000
Bossier County Louisiana 4 $ 710,000 $ 177,000 $ 63,000
Cecil County Maryland 4 $ 1,138,000 $ 284,000 $ 77,000
Hampden County Massachusetts 4 $ 866,000 $ 216,000 $ 9,000
Macomb County Michigan 4 $ 590,000 $ 147,000 $ 93,000
Flathead County Montana 4 $ 715,000 $ 178,000 $ 6,000
Essex County New Jersey 4 $ 1,247,000 $ 311,000 $ 52,000
Monmouth County New Jersey 4 $ 1,245,000 $ 311,000 $ 17,000
Salem County New Jersey 4 $ 718,000 $ 179,000 $ 30,000
Bernalillo County New Mexico 4 $ 805,000 $ 201,000 $ 13,000
Franklin County Ohio 4 $ 899,000 $ 224,000 $ 22,000
Montgomery County Ohio 4 $ 839,000 $ 209,000 $ 0
Oklahoma County Oklahoma 4 $ 855,000 $ 213,000 $ 26,000
Tulsa County Oklahoma 4 $ 874,000 $ 218,000 $ 27,000
Washington County Oregon 4 $ 1,138,000 $ 284,000 $ 27,000
Bucks County Pennsylvania 4 $ 1,281,000 $ 320,000 $ 63,000
Lancaster County Pennsylvania 4 $ 1,027,000 $ 256,000 $ 0
Providence County Rhode Island 4 $ 982,000 $ 245,000 $ 22,000
Aiken County South Carolina 4 $ 843,000 $ 210,000 $ 0
Summit County Utah 4 $ 1,156,000 $ 289,000 $ 79,000
Chesterfield County Virginia 4 $ 984,000 $ 246,000 $ 10,000
Fairbanks North Star County Alaska 3 $ 976,000 $ 325,000 $ 0
Coconino County Arizona 3 $ 829,000 $ 276,000 $ 133,000
Fresno County California 3 $ 854,000 $ 284,000 $ 25,000
Ventura County California 3 $ 947,000 $ 315,000 $ 11,000
Pueblo County Colorado 3 $ 599,000 $ 199,000 $ 10,000
Weld County Colorado 3 $ 804,000 $ 268,000 $ 104,000
Brevard County Florida 3 $ 545,000 $ 181,000 $ 0
Clay County Florida 3 $ 497,000 $ 165,000 $ 0
Pinellas County Florida 3 $ 417,000 $ 139,000 $ 28,000
Santa Rosa County Florida 3 $ 589,000 $ 196,000 $ 0
St. Johns County Florida 3 $ 1,166,000 $ 388,000 $ 0
Henry County Georgia 3 $ 632,000 $ 210,000 $ 48,000
Kootenai County Idaho 3 $ 533,000 $ 177,000 $ 43,000
Kane County Illinois 3 $ 581,000 $ 193,000 $ 0
Lake County Illinois 3 $ 538,000 $ 179,000 $ 25,000
Marion County Indiana 3 $ 590,000 $ 196,000 $ 16,000
East Baton Rouge County Louisiana 3 $ 737,000 $ 245,000 $ 78,000
Calvert County Maryland 3 $ 987,000 $ 329,000 $ 22,000
Frederick County Maryland 3 $ 836,000 $ 278,000 $ 90,000
Barnstable County Massachusetts 3 $ 845,000 $ 281,000 $ 25,000
Essex County Massachusetts 3 $ 806,000 $ 268,000 $ 19,000
Plymouth County Massachusetts 3 $ 728,000 $ 242,000 $ 121,000
Worcester County Massachusetts 3 $ 804,000 $ 268,000 $ 58,000
Allegan County Michigan 3 $ 423,000 $ 141,000 $ 45,000
Hennepin County Minnesota 3 $ 1,019,000 $ 339,000 $ 18,000
DeSoto County Mississippi 3 $ 623,000 $ 207,000 $ 0
Washoe County Nevada 3 $ 468,000 $ 156,000 $ 14,000
Morris County New Jersey 3 $ 876,000 $ 292,000 $ 18,000
Union County New Jersey 3 $ 821,000 $ 273,000 $ 64,000
Bronx County New York 3 $ 1,028,000 $ 342,000 $ 89,000
Erie County New York 3 $ 460,000 $ 153,000 $ 20,000
Rockland County New York 3 $ 947,000 $ 315,000 $ 74,000
Ulster County New York 3 $ 637,000 $ 212,000 $ 65,000
Currituck County North Carolina 3 $ 984,000 $ 328,000 $ 0
Harnett County North Carolina 3 $ 655,000 $ 218,000 $ 0
Iredell County North Carolina 3 $ 977,000 $ 325,000 $ 27,000
Union County North Carolina 3 $ 853,000 $ 284,000 $ 68,000
Hamilton County Ohio 3 $ 812,000 $ 270,000 $ 54,000
Allegheny County Pennsylvania 3 $ 637,000 $ 212,000 $ 30,000
Chester County Pennsylvania 3 $ 955,000 $ 318,000 $ 18,000
Delaware County Pennsylvania 3 $ 892,000 $ 297,000 $ 17,000
Lebanon County Pennsylvania 3 $ 589,000 $ 196,000 $ 10,000
Luzerne County Pennsylvania 3 $ 380,000 $ 126,000 $ 40,000
Beaufort County South Carolina 3 $ 792,000 $ 264,000 $ 0
Charleston County South Carolina 3 $ 1,052,000 $ 350,000 $ 0
York County South Carolina 3 $ 655,000 $ 218,000 $ 18,000
Montgomery County Tennessee 3 $ 713,000 $ 237,000 $ 57,000
Shelby County Tennessee 3 $ 693,000 $ 231,000 $ 0
Collin County Texas 3 $ 665,000 $ 221,000 $ 0
Fort Bend County Texas 3 $ 751,000 $ 250,000 $ 45,000
Shelby County Texas 3 $ 798,000 $ 266,000 $ 137,000
Travis County Texas 3 $ 939,000 $ 313,000 $ 77,000
Arlington County Virginia 3 $ 1,371,000 $ 457,000 $ 51,000
Gloucester County Virginia 3 $ 786,000 $ 262,000 $ 0
Chelan County Washington 3 $ 990,000 $ 330,000 $ 0
Island County Washington 3 $ 1,698,000 $ 566,000 $ 0
Coffee County Alabama 2 $ 538,000 $ 269,000 $ 0
Winston County Alabama 2 $ 830,000 $ 415,000 $ 0
Kodiak Island County Alaska 2 $ 626,000 $ 313,000 $ 0
Apache County Arizona 2 $ 329,000 $ 164,000 $ 59,000
Yuma County Arizona 2 $ 585,000 $ 292,000 $ 59,000
Craighead County Arkansas 2 $ 420,000 $ 210,000 $ 34,000
San Joaquin County California 2 $ 547,000 $ 273,000 $ 0
Douglas County Colorado 2 $ 613,000 $ 306,000 $ 111,000
Elbert County Colorado 2 $ 789,000 $ 394,000 $ 0
Jefferson County Colorado 2 $ 402,000 $ 201,000 $ 17,000
La Plata County Colorado 2 $ 709,000 $ 354,000 $ 0
Larimer County Colorado 2 $ 520,000 $ 260,000 $ 27,000
Mesa County Colorado 2 $ 485,000 $ 242,000 $ 0
Middlesex County Connecticut 2 $ 600,000 $ 300,000 $ 111,000
New Haven County Connecticut 2 $ 537,000 $ 268,000 $ 0
Kent County Delaware 2 $ 425,000 $ 212,000 $ 20,000
Escambia County Florida 2 $ 442,000 $ 221,000 $ 0
Manatee County Florida 2 $ 321,000 $ 160,000 $ 0
Nassau County Florida 2 $ 390,000 $ 195,000 $ 0
Polk County Florida 2 $ 263,000 $ 131,000 $ 229,000
Coweta County Georgia 2 $ 500,000 $ 250,000 $ 0
Douglas County Georgia 2 $ 237,000 $ 118,000 $ 62,000
Hawaii County Hawaii 2 $ 976,000 $ 488,000 $ 0
Maui County Hawaii 2 $ 894,000 $ 447,000 $ 27,000
Canyon County Idaho 2 $ 400,000 $ 200,000 $ 29,000
DuPage County Illinois 2 $ 594,000 $ 297,000 $ 28,000
Will County Illinois 2 $ 383,000 $ 191,000 $ 33,000
Dallas County Iowa 2 $ 1,285,000 $ 642,000 $ 0
Saline County Kansas 2 $ 327,000 $ 163,000 $ 38,000
Christian County Kentucky 2 $ 314,000 $ 157,000 $ 26,000
Ascension County Louisiana 2 $ 365,000 $ 182,000 $ 0
Rapides County Louisiana 2 $ 374,000 $ 187,000 $ 158,000
St. Tammany County Louisiana 2 $ 325,000 $ 162,000 $ 0
Cumberland County Maine 2 $ 530,000 $ 265,000 $ 0
Charles County Maryland 2 $ 533,000 $ 266,000 $ 0
Kent County Maryland 2 $ 430,000 $ 215,000 $ 0
Queen Anne's County Maryland 2 $ 736,000 $ 368,000 $ 39,000
Washington County Maryland 2 $ 594,000 $ 297,000 $ 0
Bristol County Massachusetts 2 $ 267,000 $ 133,000 $ 94,000
Suffolk County Massachusetts 2 $ 464,000 $ 232,000 $ 0
Washtenaw County Michigan 2 $ 516,000 $ 258,000 $ 152,000
Dakota County Minnesota 2 $ 629,000 $ 314,000 $ 0
Harrison County Mississippi 2 $ 425,000 $ 212,000 $ 49,000
Hinds County Mississippi 2 $ 453,000 $ 226,000 $ 55,000
Madison County Mississippi 2 $ 617,000 $ 308,000 $ 0
Clay County Missouri 2 $ 505,000 $ 252,000 $ 0
Lewis and Clark County Montana 2 $ 415,000 $ 207,000 $ 0
Missoula County Montana 2 $ 712,000 $ 356,000 $ 0
Yellowstone County Montana 2 $ 394,000 $ 197,000 $ 0
Douglas County Nebraska 2 $ 600,000 $ 300,000 $ 90,000
Carson City County Nevada 2 $ 568,000 $ 284,000 $ 0
Hudson County New Jersey 2 $ 778,000 $ 389,000 $ 0
Mercer County New Jersey 2 $ 522,000 $ 261,000 $ 0
Sandoval County New Mexico 2 $ 507,000 $ 253,000 $ 62,000
Monroe County New York 2 $ 357,000 $ 178,000 $ 0
Onondaga County New York 2 $ 332,000 $ 166,000 $ 23,000
Orange County New York 2 $ 570,000 $ 285,000 $ 23,000
Davidson County North Carolina 2 $ 325,000 $ 162,000 $ 20,000
Henderson County North Carolina 2 $ 530,000 $ 265,000 $ 0
Pasquotank County North Carolina 2 $ 403,000 $ 201,000 $ 0
Delaware County Ohio 2 $ 466,000 $ 233,000 $ 0
Licking County Ohio 2 $ 255,000 $ 127,000 $ 18,000
Mahoning County Ohio 2 $ 306,000 $ 153,000 $ 22,000
Summit County Ohio 2 $ 211,000 $ 105,000 $ 17,000
Comanche County Oklahoma 2 $ 280,000 $ 140,000 $ 18,000
Clackamas County Oregon 2 $ 423,000 $ 211,000 $ 29,000
Deschutes County Oregon 2 $ 396,000 $ 198,000 $ 21,000
Marion County Oregon 2 $ 371,000 $ 185,000 $ 17,000
Yamhill County Oregon 2 $ 490,000 $ 245,000 $ 33,000
Berks County Pennsylvania 2 $ 519,000 $ 259,000 $ 0
Dauphin County Pennsylvania 2 $ 750,000 $ 375,000 $ 0
Lehigh County Pennsylvania 2 $ 332,000 $ 166,000 $ 31,000
Lycoming County Pennsylvania 2 $ 443,000 $ 221,000 $ 30,000
Montgomery County Pennsylvania 2 $ 527,000 $ 263,000 $ 51,000
Kent County Rhode Island 2 $ 475,000 $ 237,000 $ 0
Greenville County South Carolina 2 $ 199,000 $ 99,000 $ 7,000
Horry County South Carolina 2 $ 351,000 $ 175,000 $ 52,000
Lancaster County South Carolina 2 $ 665,000 $ 332,000 $ 0
Sumter County South Carolina 2 $ 416,000 $ 208,000 $ 0
Pennington County South Dakota 2 $ 416,000 $ 208,000 $ 0
Cumberland County Tennessee 2 $ 527,000 $ 263,000 $ 39,000
Davidson County Tennessee 2 $ 596,000 $ 298,000 $ 92,000
Rutherford County Tennessee 2 $ 526,000 $ 263,000 $ 0
Williamson County Tennessee 2 $ 330,000 $ 165,000 $ 0
Brazos County Texas 2 $ 553,000 $ 276,000 $ 0
Midland County Texas 2 $ 466,000 $ 233,000 $ 63,000
Chesapeake County Virginia 2 $ 546,000 $ 273,000 $ 0
Culpeper County Virginia 2 $ 593,000 $ 296,000 $ 0
Dinwiddie County Virginia 2 $ 371,000 $ 185,000 $ 62,000
Fauquier County Virginia 2 $ 434,000 $ 217,000 $ 80,000
Hanover County Virginia 2 $ 426,000 $ 213,000 $ 0
Newport News County Virginia 2 $ 468,000 $ 234,000 $ 0
Norfolk County Virginia 2 $ 354,000 $ 177,000 $ 43,000
Portsmouth County Virginia 2 $ 462,000 $ 231,000 $ 0
Suffolk County Virginia 2 $ 467,000 $ 233,000 $ 0
York County Virginia 2 $ 710,000 $ 355,000 $ 40,000
Clark County Washington 2 $ 508,000 $ 254,000 $ 0
Berkeley County West Virginia 2 $ 667,000 $ 333,000 $ 0
Monongalia County West Virginia 2 $ 271,000 $ 135,000 $ 18,000
Raleigh County West Virginia 2 $ 699,000 $ 349,000 $ 127,000
Milwaukee County Wisconsin 2 $ 438,000 $ 219,000 $ 102,000
Racine County Wisconsin 2 $ 510,000 $ 255,000 $ 72,000
Autauga County Alabama 1 $ 174,000 $ 174,000 $ 0
Baldwin County Alabama 1 $ 378,000 $ 378,000 $ 0
Elmore County Alabama 1 $ 199,000 $ 199,000 $ 0
Houston County Alabama 1 $ 259,000 $ 259,000 $ 0
Lee County Alabama 1 $ 188,000 $ 188,000 $ 0
Limestone County Alabama 1 $ 343,000 $ 343,000 $ 0
Mobile County Alabama 1 $ 256,000 $ 256,000 $ 0
Russell County Alabama 1 $ 218,000 $ 218,000 $ 0
Benton County Arkansas 1 $ 201,000 $ 201,000 $ 63,000
Cleburne County Arkansas 1 $ 144,000 $ 144,000 $ 109,000
Cross County Arkansas 1 $ 154,000 $ 154,000 $ 47,000
Ouachita County Arkansas 1 $ 57,000 $ 57,000 $ 32,000
Pope County Arkansas 1 $ 197,000 $ 197,000 $ 0
Pulaski County Arkansas 1 $ 339,000 $ 339,000 $ 0
Butte County California 1 $ 232,000 $ 232,000 $ 0
Kern County California 1 $ 170,000 $ 170,000 $ 79,000
Marin County California 1 $ 541,000 $ 541,000 $ 114,000
Mariposa County California 1 $ 304,000 $ 304,000 $ 0
Monterey County California 1 $ 228,000 $ 228,000 $ 0
Placer County California 1 $ 319,000 $ 319,000 $ 0
San Luis Obispo County California 1 $ 290,000 $ 290,000 $ 0
San Mateo County California 1 $ 579,000 $ 579,000 $ 163,000
Santa Cruz County California 1 $ 988,000 $ 988,000 $ 0
Sonoma County California 1 $ 239,000 $ 239,000 $ 0
Tehama County California 1 $ 273,000 $ 273,000 $ 0
Tuolumne County California 1 $ 142,000 $ 142,000 $ 38,000
Yuba County California 1 $ 165,000 $ 165,000 $ 0
Broomfield County Colorado 1 $ 407,000 $ 407,000 $ 0
Eagle County Colorado 1 $ 256,000 $ 256,000 $ 0
Montrose County Colorado 1 $ 121,000 $ 121,000 $ 0
Summit County Colorado 1 $ 240,000 $ 240,000 $ 189,000
Fairfield County Connecticut 1 $ 241,000 $ 241,000 $ 123,000
Windham County Connecticut 1 $ 244,000 $ 244,000 $ 0
Charlotte County Florida 1 $ 339,000 $ 339,000 $ 0
Liberty County Florida 1 $ 52,000 $ 52,000 $ 25,000
Monroe County Florida 1 $ 171,000 $ 171,000 $ 57,000
Okaloosa County Florida 1 $ 147,000 $ 147,000 $ 39,000
Osceola County Florida 1 $ 345,000 $ 345,000 $ 100,000
Palm Beach County Florida 1 $ 287,000 $ 287,000 $ 0
Putnam County Florida 1 $ 100,000 $ 100,000 $ 52,000
Walton County Florida 1 $ 149,000 $ 149,000 $ 0
Barrow County Georgia 1 $ 135,000 $ 135,000 $ 0
Bartow County Georgia 1 $ 65,000 $ 65,000 $ 13,000
Cherokee County Georgia 1 $ 173,000 $ 173,000 $ 57,000
Clayton County Georgia 1 $ 225,000 $ 225,000 $ 0
Dougherty County Georgia 1 $ 206,000 $ 206,000 $ 0
Fayette County Georgia 1 $ 479,000 $ 479,000 $ 215,000
Floyd County Georgia 1 $ 195,000 $ 195,000 $ 0
Harris County Georgia 1 $ 360,000 $ 360,000 $ 0
Houston County Georgia 1 $ 281,000 $ 281,000 $ 0
Liberty County Georgia 1 $ 104,000 $ 104,000 $ 37,000
Long County Georgia 1 $ 207,000 $ 207,000 $ 0
McIntosh County Georgia 1 $ 81,000 $ 81,000 $ 38,000
Walton County Georgia 1 $ 83,000 $ 83,000 $ 0
Blaine County Idaho 1 $ 128,000 $ 128,000 $ 108,000
Nez Perce County Idaho 1 $ 113,000 $ 113,000 $ 60,000
Owyhee County Idaho 1 $ 55,000 $ 55,000 $ 21,000
Payette County Idaho 1 $ 121,000 $ 121,000 $ 0
Power County Idaho 1 $ 170,000 $ 170,000 $ 73,000
DeKalb County Illinois 1 $ 121,000 $ 121,000 $ 55,000
Jo Daviess County Illinois 1 $ 228,000 $ 228,000 $ 137,000
Kendall County Illinois 1 $ 212,000 $ 212,000 $ 52,000
Dearborn County Indiana 1 $ 204,000 $ 204,000 $ 0
Hamilton County Indiana 1 $ 331,000 $ 331,000 $ 0
Hancock County Indiana 1 $ 195,000 $ 195,000 $ 0
Hendricks County Indiana 1 $ 264,000 $ 264,000 $ 0
Madison County Indiana 1 $ 173,000 $ 173,000 $ 0
Marshall County Indiana 1 $ 194,000 $ 194,000 $ 96,000
Morgan County Indiana 1 $ 326,000 $ 326,000 $ 0
Putnam County Indiana 1 $ 226,000 $ 226,000 $ 0
Johnson County Iowa 1 $ 235,000 $ 235,000 $ 0
Lyon County Iowa 1 $ 193,000 $ 193,000 $ 49,000
Mahaska County Iowa 1 $ 239,000 $ 239,000 $ 88,000
Pottawattamie County Iowa 1 $ 310,000 $ 310,000 $ 0
Scott County Iowa 1 $ 238,000 $ 238,000 $ 0
Coffey County Kansas 1 $ 286,000 $ 286,000 $ 0
Geary County Kansas 1 $ 191,000 $ 191,000 $ 0
Gove County Kansas 1 $ 65,000 $ 65,000 $ 60,000
Jefferson County Kansas 1 $ 71,000 $ 71,000 $ 66,000
Johnson County Kansas 1 $ 199,000 $ 199,000 $ 0
Wyandotte County Kansas 1 $ 221,000 $ 221,000 $ 0
Franklin County Kentucky 1 $ 254,000 $ 254,000 $ 0
Grant County Kentucky 1 $ 228,000 $ 228,000 $ 0
Jefferson County Kentucky 1 $ 395,000 $ 395,000 $ 0
Pulaski County Kentucky 1 $ 208,000 $ 208,000 $ 0
Spencer County Kentucky 1 $ 304,000 $ 304,000 $ 0
Caddo County Louisiana 1 $ 220,000 $ 220,000 $ 0
Calcasieu County Louisiana 1 $ 63,000 $ 63,000 $ 46,000
Jefferson County Louisiana 1 $ 235,000 $ 235,000 $ 0
Lafayette County Louisiana 1 $ 286,000 $ 286,000 $ 0
Lafourche County Louisiana 1 $ 213,000 $ 213,000 $ 0
Orleans County Louisiana 1 $ 266,000 $ 266,000 $ 0
St. Charles County Louisiana 1 $ 272,000 $ 272,000 $ 0
St. Martin County Louisiana 1 $ 161,000 $ 161,000 $ 100,000
Vernon County Louisiana 1 $ 196,000 $ 196,000 $ 0
Lincoln County Maine 1 $ 128,000 $ 128,000 $ 47,000
York County Maine 1 $ 199,000 $ 199,000 $ 0
Baltimore City County Maryland 1 $ 236,000 $ 236,000 $ 100,000
Caroline County Maryland 1 $ 370,000 $ 370,000 $ 0
Berkshire County Massachusetts 1 $ 279,000 $ 279,000 $ 0
Norfolk County Massachusetts 1 $ 258,000 $ 258,000 $ 0
Livingston County Michigan 1 $ 334,000 $ 334,000 $ 0
Roscommon County Michigan 1 $ 51,000 $ 51,000 $ 43,000
Saginaw County Michigan 1 $ 153,000 $ 153,000 $ 37,000
Wayne County Michigan 1 $ 75,000 $ 75,000 $ 87,000
Aitkin County Minnesota 1 $ 268,000 $ 268,000 $ 0
Anoka County Minnesota 1 $ 330,000 $ 330,000 $ 124,000
Carver County Minnesota 1 $ 195,000 $ 195,000 $ 0
Itasca County Minnesota 1 $ 218,000 $ 218,000 $ 0
Ramsey County Minnesota 1 $ 184,000 $ 184,000 $ 0
St. Louis County Minnesota 1 $ 252,000 $ 252,000 $ 0
Washington County Minnesota 1 $ 205,000 $ 205,000 $ 0
Wright County Minnesota 1 $ 255,000 $ 255,000 $ 0
Forrest County Mississippi 1 $ 168,000 $ 168,000 $ 39,000
Jones County Mississippi 1 $ 218,000 $ 218,000 $ 0
Lauderdale County Mississippi 1 $ 211,000 $ 211,000 $ 111,000
Panola County Mississippi 1 $ 254,000 $ 254,000 $ 0
Sunflower County Mississippi 1 $ 141,000 $ 141,000 $ 56,000
Boone County Missouri 1 $ 127,000 $ 127,000 $ 0
Clark County Missouri 1 $ 77,000 $ 77,000 $ 45,000
Cole County Missouri 1 $ 194,000 $ 194,000 $ 0
Franklin County Missouri 1 $ 178,000 $ 178,000 $ 0
Jackson County Missouri 1 $ 141,000 $ 141,000 $ 66,000
Pulaski County Missouri 1 $ 167,000 $ 167,000 $ 0
St. Charles County Missouri 1 $ 281,000 $ 281,000 $ 0
St. Louis County Missouri 1 $ 174,000 $ 174,000 $ 0
Jefferson County Montana 1 $ 406,000 $ 406,000 $ 0
Lake County Montana 1 $ 379,000 $ 379,000 $ 0
Pondera County Montana 1 $ 239,000 $ 239,000 $ 0
Ravalli County Montana 1 $ 241,000 $ 241,000 $ 0
Sanders County Montana 1 $ 283,000 $ 283,000 $ 0
Lancaster County Nebraska 1 $ 128,000 $ 128,000 $ 63,000
Lincoln County Nebraska 1 $ 87,000 $ 87,000 $ 52,000
York County Nebraska 1 $ 162,000 $ 162,000 $ 69,000
Douglas County Nevada 1 $ 313,000 $ 313,000 $ 0
Elko County Nevada 1 $ 301,000 $ 301,000 $ 0
Lander County Nevada 1 $ 151,000 $ 151,000 $ 94,000
Lyon County Nevada 1 $ 181,000 $ 181,000 $ 0
Hillsborough County New Hampshire 1 $ 255,000 $ 255,000 $ 0
Atlantic County New Jersey 1 $ 260,000 $ 260,000 $ 0
Camden County New Jersey 1 $ 249,000 $ 249,000 $ 0
Cape May County New Jersey 1 $ 300,000 $ 300,000 $ 96,000
Cumberland County New Jersey 1 $ 306,000 $ 306,000 $ 0
Hunterdon County New Jersey 1 $ 437,000 $ 437,000 $ 0
Middlesex County New Jersey 1 $ 262,000 $ 262,000 $ 0
Somerset County New Jersey 1 $ 481,000 $ 481,000 $ 141,000
Curry County New Mexico 1 $ 271,000 $ 271,000 $ 0
Dona Ana County New Mexico 1 $ 263,000 $ 263,000 $ 0
Otero County New Mexico 1 $ 295,000 $ 295,000 $ 0
Broome County New York 1 $ 227,000 $ 227,000 $ 0
Dutchess County New York 1 $ 232,000 $ 232,000 $ 108,000
Essex County New York 1 $ 168,000 $ 168,000 $ 660,000
Franklin County New York 1 $ 269,000 $ 269,000 $ 0
Fulton County New York 1 $ 67,000 $ 67,000 $ 35,000
New York County New York 1 $ 259,000 $ 259,000 $ 53,000
Ontario County New York 1 $ 186,000 $ 186,000 $ 66,000
Saratoga County New York 1 $ 102,000 $ 102,000 $ 31,000
Schenectady County New York 1 $ 223,000 $ 223,000 $ 0
Avery County North Carolina 1 $ 161,000 $ 161,000 $ 33,000
Cabarrus County North Carolina 1 $ 181,000 $ 181,000 $ 0
Camden County North Carolina 1 $ 218,000 $ 218,000 $ 98,000
Chatham County North Carolina 1 $ 408,000 $ 408,000 $ 144,000
Dare County North Carolina 1 $ 567,000 $ 567,000 $ 0
Forsyth County North Carolina 1 $ 112,000 $ 112,000 $ 102,000
Lee County North Carolina 1 $ 205,000 $ 205,000 $ 0
Moore County North Carolina 1 $ 237,000 $ 237,000 $ 0
New Hanover County North Carolina 1 $ 94,000 $ 94,000 $ 44,000
Surry County North Carolina 1 $ 136,000 $ 136,000 $ 74,000
Transylvania County North Carolina 1 $ 184,000 $ 184,000 $ 80,000
Wayne County North Carolina 1 $ 224,000 $ 224,000 $ 0
Grand Forks County North Dakota 1 $ 222,000 $ 222,000 $ 85,000
Williams County North Dakota 1 $ 153,000 $ 153,000 $ 64,000
Butler County Ohio 1 $ 274,000 $ 274,000 $ 75,000
Erie County Ohio 1 $ 64,000 $ 64,000 $ 28,000
Fairfield County Ohio 1 $ 153,000 $ 153,000 $ 0
Greene County Ohio 1 $ 458,000 $ 458,000 $ 0
Huron County Ohio 1 $ 149,000 $ 149,000 $ 0
Lake County Ohio 1 $ 150,000 $ 150,000 $ 0
Lorain County Ohio 1 $ 84,000 $ 84,000 $ 0
Warren County Ohio 1 $ 291,000 $ 291,000 $ 0
Alfalfa County Oklahoma 1 $ 84,000 $ 84,000 $ 261,000
Canadian County Oklahoma 1 $ 201,000 $ 201,000 $ 0
Garfield County Oklahoma 1 $ 218,000 $ 218,000 $ 92,000
Jackson County Oklahoma 1 $ 234,000 $ 234,000 $ 0
Baker County Oregon 1 $ 176,000 $ 176,000 $ 0
Benton County Oregon 1 $ 166,000 $ 166,000 $ 55,000
Coos County Oregon 1 $ 245,000 $ 245,000 $ 0
Hood River County Oregon 1 $ 142,000 $ 142,000 $ 32,000
Lane County Oregon 1 $ 260,000 $ 260,000 $ 0
Linn County Oregon 1 $ 325,000 $ 325,000 $ 0
Malheur County Oregon 1 $ 104,000 $ 104,000 $ 0
Multnomah County Oregon 1 $ 271,000 $ 271,000 $ 0
Polk County Oregon 1 $ 96,000 $ 96,000 $ 28,000
Tillamook County Oregon 1 $ 238,000 $ 238,000 $ 0
Umatilla County Oregon 1 $ 201,000 $ 201,000 $ 101,000
Union County Oregon 1 $ 385,000 $ 385,000 $ 0
Butler County Pennsylvania 1 $ 93,000 $ 93,000 $ 0
Cumberland County Pennsylvania 1 $ 262,000 $ 262,000 $ 0
Juniata County Pennsylvania 1 $ 111,000 $ 111,000 $ 73,000
Northampton County Pennsylvania 1 $ 216,000 $ 216,000 $ 76,000
Northumberland County Pennsylvania 1 $ 153,000 $ 153,000 $ 67,000
Wayne County Pennsylvania 1 $ 164,000 $ 164,000 $ 40,000
Westmoreland County Pennsylvania 1 $ 156,000 $ 156,000 $ 57,000
Washington County Rhode Island 1 $ 241,000 $ 241,000 $ 50,000
Anderson County South Carolina 1 $ 187,000 $ 187,000 $ 0
Barnwell County South Carolina 1 $ 224,000 $ 224,000 $ 0
Berkeley County South Carolina 1 $ 186,000 $ 186,000 $ 0
Cherokee County South Carolina 1 $ 310,000 $ 310,000 $ 0
Kershaw County South Carolina 1 $ 273,000 $ 273,000 $ 0
Lexington County South Carolina 1 $ 217,000 $ 217,000 $ 128,000
Oconee County South Carolina 1 $ 106,000 $ 106,000 $ 42,000
Brown County South Dakota 1 $ 267,000 $ 267,000 $ 0
Lincoln County South Dakota 1 $ 275,000 $ 275,000 $ 0
Meade County South Dakota 1 $ 243,000 $ 243,000 $ 0
Hamilton County Tennessee 1 $ 280,000 $ 280,000 $ 0
Henry County Tennessee 1 $ 205,000 $ 205,000 $ 0
Sumner County Tennessee 1 $ 319,000 $ 319,000 $ 0
Bell County Texas 1 $ 246,000 $ 246,000 $ 0
Brazoria County Texas 1 $ 239,000 $ 239,000 $ 0
Cameron County Texas 1 $ 84,000 $ 84,000 $ 65,000
Comal County Texas 1 $ 445,000 $ 445,000 $ 0
Delta County Texas 1 $ 114,000 $ 114,000 $ 0
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Mortgage Loan Application Detail Totals for First National Bank Of Layton 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 1,525 $425,888,000 $279,000 $1,318,000 $25,000 $383,000
Home Purchase 408 $81,206,000 $199,000 $600,000 $80,000 $660,000
Home Improvement 1 $12,000 $12,000 $12,000 $71,000 $71,000

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 1,405 $358,300,000 $255,000 $1,000,000 $38,000 $660,000
Black or African American 170 $46,580,000 $274,000 $988,000 $28,000 $260,000
Not Provided 162 $46,182,000 $285,000 $925,000 $35,000 $365,000
Hispanic 119 $32,270,000 $271,000 $707,000 $32,000 $212,000
Asian 54 $15,485,000 $286,000 $672,000 $75,000 $300,000
American Indian or Alaskan Native 11 $2,559,000 $232,000 $339,000 $15,000 $109,000
Native Hawaiian or Other Pacific Islander 11 $3,935,000 $357,000 $603,000 $27,000 $165,000
Not applicable 2 $1,795,000 $897,000 $1,318,000 $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
VA-guaranteed (Veterans Administration) 1,072 $318,754,000 $297,000 $1,000,000 $9,000 $215,000
FHA-insured (Federal Housing Administration) 478 $103,355,000 $216,000 $595,000 $45,000 $261,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 384 $84,997,000 $221,000 $1,318,000 $105,000 $660,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 1,807 $476,332,000 $263,000 $1,318,000 $36,000 $660,000
Application Approved But Not Accepted 80 $19,759,000 $246,000 $827,000 $46,000 $260,000
Application Denied By Financial Institution 47 $11,015,000 $234,000 $609,000 $53,000 $207,000
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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
Credit History 15 $3,668,000 $244,000 $426,000 $27,000 $106,000
Debt-To-Income Ratio 11 $2,480,000 $225,000 $492,000 $68,000 $207,000
Other 11 $2,292,000 $208,000 $600,000 $78,000 $195,000
Collateral 6 $1,968,000 $328,000 $609,000 $53,000 $132,000
Unverifiable Information 2 $453,000 $226,000 $270,000 $84,000 $109,000
Insufficient Cash (Downpayment, Closing Cost) 2 $154,000 $77,000 $83,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank Of Layton's 2012 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.
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