First National Bank of Layton Mortgage Lending & HMDA Data, 2014
In 2014, First National Bank of Layton of Layton, UT reported 635 mortgage applications totaling $162.2 million, down 83% from 2013. The average application was for $255,366, and applicants reported an average income of $78,930. 15% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Ogden-Clearfield, UT (55), Washington-Arlington-Alexandria, DC-VA-MD-WV (36) and New York-Jersey City-White Plains, NY-NJ (26) (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 | 635 |
| Total Mortgage Loan Application Amount | $162,158,000 |
| Average Mortgage Loan Application Amount | $255,366 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $78,930 |
| Highest Applicant Income | $3,574,000 |
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records First National Bank of Layton filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Davis, Utah | 38 | $ 17,243,000 | $ 453,763 | $ 89,000 |
| Oakland, Michigan | 17 | $ 3,707,000 | $ 218,058 | $ 108,000 |
| Weber, Utah | 16 | $ 4,108,000 | $ 256,750 | $ 73,000 |
| Salt Lake, Utah | 14 | $ 8,379,000 | $ 598,500 | $ 318,000 |
| Clark, Nevada | 12 | $ 3,859,000 | $ 321,583 | $ 88,000 |
| Cook, Illinois | 9 | $ 1,465,000 | $ 162,777 | $ 117,000 |
| York, Maine | 9 | $ 1,574,000 | $ 174,888 | $ 61,000 |
| Washington, Utah | 9 | $ 4,917,000 | $ 546,333 | $ 57,000 |
| Hartford, Connecticut | 8 | $ 1,749,000 | $ 218,625 | $ 77,000 |
| Suffolk, New York | 8 | $ 2,456,000 | $ 307,000 | $ 86,000 |
| Fairfax, Virginia | 8 | $ 3,282,000 | $ 410,250 | $ 116,000 |
| Maricopa, Arizona | 7 | $ 2,107,000 | $ 301,000 | $ 41,000 |
| Cumberland, Maine | 7 | $ 1,418,000 | $ 202,571 | $ 20,000 |
| Prince George's, Maryland | 7 | $ 1,876,000 | $ 268,000 | $ 51,000 |
| Wayne, Michigan | 7 | $ 913,000 | $ 130,428 | $ 53,000 |
| District of Columbia, District Of Columbia | 6 | $ 1,845,000 | $ 307,500 | $ 54,000 |
| Ada, Idaho | 6 | $ 1,147,000 | $ 191,166 | $ 60,000 |
| Macomb, Michigan | 6 | $ 1,112,000 | $ 185,333 | $ 92,000 |
| Kings, New York | 6 | $ 1,912,000 | $ 318,666 | $ 47,000 |
| Nassau, New York | 6 | $ 1,869,000 | $ 311,500 | $ 86,000 |
| Los Angeles, California | 5 | $ 847,000 | $ 169,400 | $ 63,000 |
| Charles, Maryland | 5 | $ 1,273,000 | $ 254,600 | $ 64,000 |
| Bergen, New Jersey | 5 | $ 1,401,000 | $ 280,200 | $ 92,000 |
| Queens, New York | 5 | $ 1,839,000 | $ 367,800 | $ 85,000 |
| Riverside, California | 4 | $ 876,000 | $ 219,000 | $ 15,000 |
| Will, Illinois | 4 | $ 729,000 | $ 182,250 | $ 114,000 |
| Horry, South Carolina | 4 | $ 768,000 | $ 192,000 | $ 108,000 |
| Utah, Utah | 4 | $ 1,389,000 | $ 347,250 | $ 231,000 |
| Prince William, Virginia | 4 | $ 1,449,000 | $ 362,250 | $ 168,000 |
| Contra Costa, California | 3 | $ 953,000 | $ 317,666 | $ 69,000 |
| San Diego, California | 3 | $ 1,079,000 | $ 359,666 | $ 80,000 |
| Jefferson, Colorado | 3 | $ 796,000 | $ 265,333 | $ 101,000 |
| Palm Beach, Florida | 3 | $ 796,000 | $ 265,333 | $ 43,000 |
| Gwinnett, Georgia | 3 | $ 717,000 | $ 239,000 | $ 72,000 |
| Penobscot, Maine | 3 | $ 462,000 | $ 154,000 | $ 0 |
| Anne Arundel, Maryland | 3 | $ 694,000 | $ 231,333 | $ 90,000 |
| Baltimore, Maryland | 3 | $ 1,201,000 | $ 400,333 | $ 82,000 |
| Frederick, Maryland | 3 | $ 1,097,000 | $ 365,666 | $ 123,000 |
| Harford, Maryland | 3 | $ 844,000 | $ 281,333 | $ 156,000 |
| Worcester, Massachusetts | 3 | $ 419,000 | $ 139,666 | $ 50,000 |
| St. Louis, Missouri | 3 | $ 242,000 | $ 80,666 | $ 56,000 |
| Essex, New Jersey | 3 | $ 951,000 | $ 317,000 | $ 67,000 |
| Hudson, New Jersey | 3 | $ 799,000 | $ 266,333 | $ 159,000 |
| Middlesex, New Jersey | 3 | $ 789,000 | $ 263,000 | $ 86,000 |
| Albany, New York | 3 | $ 719,000 | $ 239,666 | $ 77,000 |
| Cumberland, North Carolina | 3 | $ 553,000 | $ 184,333 | $ 19,000 |
| Allegheny, Pennsylvania | 3 | $ 603,000 | $ 201,000 | $ 105,000 |
| Fort Bend, Texas | 3 | $ 547,000 | $ 182,333 | $ 93,000 |
| Portsmouth, Virginia | 3 | $ 582,000 | $ 194,000 | $ 64,000 |
| Clark, Washington | 3 | $ 666,000 | $ 222,000 | $ 19,000 |
| Anchorage, Alaska | 2 | $ 306,000 | $ 153,000 | $ 53,000 |
| Pinal, Arizona | 2 | $ 352,000 | $ 176,000 | $ 0 |
| Yavapai, Arizona | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Phillips, Arkansas | 2 | $ 337,000 | $ 168,500 | $ 106,000 |
| Alameda, California | 2 | $ 507,000 | $ 253,500 | $ 64,000 |
| Butte, California | 2 | $ 338,000 | $ 169,000 | $ 58,000 |
| Santa Clara, California | 2 | $ 783,000 | $ 391,500 | $ 86,000 |
| Broomfield, Colorado | 2 | $ 459,000 | $ 229,500 | $ 120,000 |
| El Paso, Colorado | 2 | $ 391,000 | $ 195,500 | $ 39,000 |
| Fairfield, Connecticut | 2 | $ 815,000 | $ 407,500 | $ 123,000 |
| New Haven, Connecticut | 2 | $ 489,000 | $ 244,500 | $ 67,000 |
| Kent, Delaware | 2 | $ 349,000 | $ 174,500 | $ 57,000 |
| New Castle, Delaware | 2 | $ 323,000 | $ 161,500 | $ 52,000 |
| Sussex, Delaware | 2 | $ 1,186,000 | $ 593,000 | $ 155,000 |
| Miami-Dade, Florida | 2 | $ 531,000 | $ 265,500 | $ 230,000 |
| Orange, Florida | 2 | $ 504,000 | $ 252,000 | $ 154,000 |
| Polk, Florida | 2 | $ 495,000 | $ 247,500 | $ 47,000 |
| Volusia, Florida | 2 | $ 527,000 | $ 263,500 | $ 19,000 |
| Bartow, Georgia | 2 | $ 294,000 | $ 147,000 | $ 28,000 |
| Camden, Georgia | 2 | $ 174,000 | $ 87,000 | $ 87,000 |
| Fulton, Georgia | 2 | $ 483,000 | $ 241,500 | $ 27,000 |
| Hawaii, Hawaii | 2 | $ 585,000 | $ 292,500 | $ 79,000 |
| Polk, Iowa | 2 | $ 390,000 | $ 195,000 | $ 73,000 |
| Androscoggin, Maine | 2 | $ 327,000 | $ 163,500 | $ 70,000 |
| Baltimore City, Maryland | 2 | $ 259,000 | $ 129,500 | $ 92,000 |
| Howard, Maryland | 2 | $ 942,000 | $ 471,000 | $ 117,000 |
| Montgomery, Maryland | 2 | $ 475,000 | $ 237,500 | $ 52,000 |
| St. Mary's, Maryland | 2 | $ 444,000 | $ 222,000 | $ 0 |
| Bristol, Massachusetts | 2 | $ 424,000 | $ 212,000 | $ 49,000 |
| Middlesex, Massachusetts | 2 | $ 475,000 | $ 237,500 | $ 78,000 |
| Genesee, Michigan | 2 | $ 417,000 | $ 208,500 | $ 168,000 |
| Kalamazoo, Michigan | 2 | $ 239,000 | $ 119,500 | $ 78,000 |
| St. Clair, Michigan | 2 | $ 271,000 | $ 135,500 | $ 66,000 |
| Jefferson, Missouri | 2 | $ 319,000 | $ 159,500 | $ 70,000 |
| St. Charles, Missouri | 2 | $ 482,000 | $ 241,000 | $ 47,000 |
| Rockingham, New Hampshire | 2 | $ 520,000 | $ 260,000 | $ 87,000 |
| Atlantic, New Jersey | 2 | $ 431,000 | $ 215,500 | $ 16,000 |
| Passaic, New Jersey | 2 | $ 535,000 | $ 267,500 | $ 30,000 |
| Brunswick, North Carolina | 2 | $ 367,000 | $ 183,500 | $ 34,000 |
| Craven, North Carolina | 2 | $ 316,000 | $ 158,000 | $ 63,000 |
| Johnston, North Carolina | 2 | $ 456,000 | $ 228,000 | $ 21,000 |
| Mecklenburg, North Carolina | 2 | $ 433,000 | $ 216,500 | $ 49,000 |
| Marion, Oregon | 2 | $ 432,000 | $ 216,000 | $ 36,000 |
| Montgomery, Pennsylvania | 2 | $ 454,000 | $ 227,000 | $ 58,000 |
| Philadelphia, Pennsylvania | 2 | $ 116,000 | $ 58,000 | $ 30,000 |
| Kent, Rhode Island | 2 | $ 470,000 | $ 235,000 | $ 45,000 |
| Providence, Rhode Island | 2 | $ 287,000 | $ 143,500 | $ 194,000 |
| Florence, South Carolina | 2 | $ 365,000 | $ 182,500 | $ 28,000 |
| Richland, South Carolina | 2 | $ 348,000 | $ 174,000 | $ 22,000 |
| Knox, Tennessee | 2 | $ 316,000 | $ 158,000 | $ 31,000 |
| Shelby, Tennessee | 2 | $ 208,000 | $ 104,000 | $ 47,000 |
| Bell, Texas | 2 | $ 375,000 | $ 187,500 | $ 42,000 |
| Bexar, Texas | 2 | $ 533,000 | $ 266,500 | $ 147,000 |
| Dallas, Texas | 2 | $ 663,000 | $ 331,500 | $ 100,000 |
| Denton, Texas | 2 | $ 509,000 | $ 254,500 | $ 79,000 |
| Webb, Texas | 2 | $ 198,000 | $ 99,000 | $ 100,000 |
| Hampton, Virginia | 2 | $ 456,000 | $ 228,000 | $ 0 |
| Spotsylvania, Virginia | 2 | $ 470,000 | $ 235,000 | $ 67,000 |
| Benton, Washington | 2 | $ 275,000 | $ 137,500 | $ 0 |
| Pierce, Washington | 2 | $ 351,000 | $ 175,500 | $ 18,000 |
| Coffee, Alabama | 1 | $ 184,000 | $ 184,000 | $ 0 |
| DeKalb, Alabama | 1 | $ 580,000 | $ 580,000 | $ 608,000 |
| Geneva, Alabama | 1 | $ 146,000 | $ 146,000 | $ 64,000 |
| Jefferson, Alabama | 1 | $ 467,000 | $ 467,000 | $ 89,000 |
| Limestone, Alabama | 1 | $ 254,000 | $ 254,000 | $ 77,000 |
| Madison, Alabama | 1 | $ 276,000 | $ 276,000 | $ 45,000 |
| Morgan, Alabama | 1 | $ 274,000 | $ 274,000 | $ 59,000 |
| Perry, Alabama | 1 | $ 212,000 | $ 212,000 | $ 94,000 |
| Pike, Alabama | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Russell, Alabama | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Mohave, Arizona | 1 | $ 120,000 | $ 120,000 | $ 35,000 |
| Navajo, Arizona | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Pima, Arizona | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Madison, Arkansas | 1 | $ 320,000 | $ 320,000 | $ 112,000 |
| Poinsett, Arkansas | 1 | $ 114,000 | $ 114,000 | $ 20,000 |
| Pulaski, Arkansas | 1 | $ 417,000 | $ 417,000 | $ 197,000 |
| Washington, Arkansas | 1 | $ 123,000 | $ 123,000 | $ 106,000 |
| Fresno, California | 1 | $ 139,000 | $ 139,000 | $ 67,000 |
| Humboldt, California | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Monterey, California | 1 | $ 702,000 | $ 702,000 | $ 121,000 |
| Nevada, California | 1 | $ 207,000 | $ 207,000 | $ 37,000 |
| Orange, California | 1 | $ 124,000 | $ 124,000 | $ 79,000 |
| Sacramento, California | 1 | $ 263,000 | $ 263,000 | $ 71,000 |
| San Bernardino, California | 1 | $ 417,000 | $ 417,000 | $ 160,000 |
| Solano, California | 1 | $ 157,000 | $ 157,000 | $ 52,000 |
| Ventura, California | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| Yuba, California | 1 | $ 117,000 | $ 117,000 | $ 32,000 |
| Douglas, Colorado | 1 | $ 222,000 | $ 222,000 | $ 110,000 |
| Elbert, Colorado | 1 | $ 239,000 | $ 239,000 | $ 49,000 |
| Pueblo, Colorado | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Litchfield, Connecticut | 1 | $ 295,000 | $ 295,000 | $ 100,000 |
| New London, Connecticut | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Windham, Connecticut | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Charlotte, Florida | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Columbia, Florida | 1 | $ 64,000 | $ 64,000 | $ 22,000 |
| Hillsborough, Florida | 1 | $ 212,000 | $ 212,000 | $ 186,000 |
| Okaloosa, Florida | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 397,000 | $ 397,000 | $ 0 |
| Burke, Georgia | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Chatham, Georgia | 1 | $ 95,000 | $ 95,000 | $ 78,000 |
| Cobb, Georgia | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Fayette, Georgia | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Habersham, Georgia | 1 | $ 77,000 | $ 77,000 | $ 16,000 |
| Henry, Georgia | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Lowndes, Georgia | 1 | $ 213,000 | $ 213,000 | $ 53,000 |
| Muscogee, Georgia | 1 | $ 417,000 | $ 417,000 | $ 115,000 |
| Paulding, Georgia | 1 | $ 483,000 | $ 483,000 | $ 100,000 |
| Canyon, Idaho | 1 | $ 173,000 | $ 173,000 | $ 67,000 |
| Kootenai, Idaho | 1 | $ 139,000 | $ 139,000 | $ 40,000 |
| Twin Falls, Idaho | 1 | $ 124,000 | $ 124,000 | $ 36,000 |
| Lake, Illinois | 1 | $ 148,000 | $ 148,000 | $ 49,000 |
| Madison, Illinois | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| McHenry, Illinois | 1 | $ 142,000 | $ 142,000 | $ 0 |
| McLean, Illinois | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Dearborn, Indiana | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Marion, Indiana | 1 | $ 62,000 | $ 62,000 | $ 42,000 |
| Perry, Indiana | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| Warrick, Indiana | 1 | $ 79,000 | $ 79,000 | $ 77,000 |
| Webster, Iowa | 1 | $ 120,000 | $ 120,000 | $ 70,000 |
| Johnson, Kansas | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Sedgwick, Kansas | 1 | $ 87,000 | $ 87,000 | $ 49,000 |
| Fayette, Kentucky | 1 | $ 394,000 | $ 394,000 | $ 80,000 |
| Hardin, Kentucky | 1 | $ 141,000 | $ 141,000 | $ 148,000 |
| Harlan, Kentucky | 1 | $ 194,000 | $ 194,000 | $ 108,000 |
| Jefferson, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Nelson, Kentucky | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Ascension, Louisiana | 1 | $ 346,000 | $ 346,000 | $ 63,000 |
| Catahoula, Louisiana | 1 | $ 47,000 | $ 47,000 | $ 82,000 |
| East Baton Rouge, Louisiana | 1 | $ 187,000 | $ 187,000 | $ 0 |
| East Feliciana, Louisiana | 1 | $ 186,000 | $ 186,000 | $ 125,000 |
| Jefferson, Louisiana | 1 | $ 112,000 | $ 112,000 | $ 0 |
| St. Tammany, Louisiana | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Tangipahoa, Louisiana | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Franklin, Maine | 1 | $ 146,000 | $ 146,000 | $ 14,000 |
| Hancock, Maine | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Sagadahoc, Maine | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Allegany, Maryland | 1 | $ 73,000 | $ 73,000 | $ 77,000 |
| Caroline, Maryland | 1 | $ 358,000 | $ 358,000 | $ 74,000 |
| Essex, Massachusetts | 1 | $ 387,000 | $ 387,000 | $ 97,000 |
| Norfolk, Massachusetts | 1 | $ 218,000 | $ 218,000 | $ 81,000 |
| Clinton, Michigan | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Dickinson, Michigan | 1 | $ 137,000 | $ 137,000 | $ 71,000 |
| Grand Traverse, Michigan | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Ingham, Michigan | 1 | $ 189,000 | $ 189,000 | $ 55,000 |
| Lenawee, Michigan | 1 | $ 118,000 | $ 118,000 | $ 52,000 |
| Mecosta, Michigan | 1 | $ 59,000 | $ 59,000 | $ 52,000 |
| Montcalm, Michigan | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| Muskegon, Michigan | 1 | $ 230,000 | $ 230,000 | $ 80,000 |
| Ottawa, Michigan | 1 | $ 140,000 | $ 140,000 | $ 61,000 |
| Roscommon, Michigan | 1 | $ 101,000 | $ 101,000 | $ 35,000 |
| Hennepin, Minnesota | 1 | $ 294,000 | $ 294,000 | $ 121,000 |
| Isanti, Minnesota | 1 | $ 97,000 | $ 97,000 | $ 35,000 |
| Washington, Minnesota | 1 | $ 358,000 | $ 358,000 | $ 311,000 |
| Lauderdale, Mississippi | 1 | $ 214,000 | $ 214,000 | $ 56,000 |
| Marshall, Mississippi | 1 | $ 379,000 | $ 379,000 | $ 115,000 |
| Rankin, Mississippi | 1 | $ 310,000 | $ 310,000 | $ 68,000 |
| Andrew, Missouri | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Barry, Missouri | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Clay, Missouri | 1 | $ 119,000 | $ 119,000 | $ 57,000 |
| Clinton, Missouri | 1 | $ 169,000 | $ 169,000 | $ 108,000 |
| Franklin, Missouri | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Churchill, Nevada | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Lincoln, Nevada | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 358,000 | $ 358,000 | $ 140,000 |
| Cape May, New Jersey | 1 | $ 396,000 | $ 396,000 | $ 88,000 |
| Gloucester, New Jersey | 1 | $ 160,000 | $ 160,000 | $ 67,000 |
| Hunterdon, New Jersey | 1 | $ 422,000 | $ 422,000 | $ 137,000 |
| Mercer, New Jersey | 1 | $ 177,000 | $ 177,000 | $ 46,000 |
| Monmouth, New Jersey | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Union, New Jersey | 1 | $ 225,000 | $ 225,000 | $ 55,000 |
| Bernalillo, New Mexico | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Colfax, New Mexico | 1 | $ 64,000 | $ 64,000 | $ 63,000 |
| Dutchess, New York | 1 | $ 242,000 | $ 242,000 | $ 168,000 |
| Erie, New York | 1 | $ 300,000 | $ 300,000 | $ 69,000 |
| Oswego, New York | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Rockland, New York | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Schenectady, New York | 1 | $ 257,000 | $ 257,000 | $ 108,000 |
| Burke, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 255,000 |
| Cabarrus, North Carolina | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Catawba, North Carolina | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Franklin, North Carolina | 1 | $ 183,000 | $ 183,000 | $ 162,000 |
| Harnett, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 79,000 |
| Henderson, North Carolina | 1 | $ 93,000 | $ 93,000 | $ 29,000 |
| Iredell, North Carolina | 1 | $ 287,000 | $ 287,000 | $ 400,000 |
| Moore, North Carolina | 1 | $ 247,000 | $ 247,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 424,000 | $ 424,000 | $ 102,000 |
| Onslow, North Carolina | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Surry, North Carolina | 1 | $ 238,000 | $ 238,000 | $ 138,000 |
| Wake, North Carolina | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Butler, Ohio | 1 | $ 121,000 | $ 121,000 | $ 45,000 |
| Cuyahoga, Ohio | 1 | $ 364,000 | $ 364,000 | $ 83,000 |
| Delaware, Ohio | 1 | $ 298,000 | $ 298,000 | $ 67,000 |
| Erie, Ohio | 1 | $ 294,000 | $ 294,000 | $ 65,000 |
| Franklin, Ohio | 1 | $ 82,000 | $ 82,000 | $ 64,000 |
| Greene, Ohio | 1 | $ 91,000 | $ 91,000 | $ 65,000 |
| Hamilton, Ohio | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Holmes, Ohio | 1 | $ 89,000 | $ 89,000 | $ 47,000 |
| Huron, Ohio | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Madison, Ohio | 1 | $ 479,000 | $ 479,000 | $ 95,000 |
| Montgomery, Ohio | 1 | $ 71,000 | $ 71,000 | $ 21,000 |
| Ross, Ohio | 1 | $ 385,000 | $ 385,000 | $ 113,000 |
| Warren, Ohio | 1 | $ 299,000 | $ 299,000 | $ 191,000 |
| Comanche, Oklahoma | 1 | $ 103,000 | $ 103,000 | $ 157,000 |
| Logan, Oklahoma | 1 | $ 310,000 | $ 310,000 | $ 65,000 |
| Clackamas, Oregon | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 240,000 | $ 240,000 | $ 1,491,000 |
| Douglas, Oregon | 1 | $ 246,000 | $ 246,000 | $ 42,000 |
| Jackson, Oregon | 1 | $ 90,000 | $ 90,000 | $ 69,000 |
| Klamath, Oregon | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lincoln, Oregon | 1 | $ 338,000 | $ 338,000 | $ 80,000 |
| Washington, Oregon | 1 | $ 250,000 | $ 250,000 | $ 32,000 |
| Cumberland, Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Dauphin, Pennsylvania | 1 | $ 154,000 | $ 154,000 | $ 45,000 |
| Elk, Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Indiana, Pennsylvania | 1 | $ 84,000 | $ 84,000 | $ 17,000 |
| Jefferson, Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 69,000 |
| Monroe, Pennsylvania | 1 | $ 187,000 | $ 187,000 | $ 0 |
| York, Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 74,000 |
| Bristol, Rhode Island | 1 | $ 324,000 | $ 324,000 | $ 72,000 |
| Aiken, South Carolina | 1 | $ 78,000 | $ 78,000 | $ 40,000 |
| Anderson, South Carolina | 1 | $ 83,000 | $ 83,000 | $ 28,000 |
| Beaufort, South Carolina | 1 | $ 110,000 | $ 110,000 | $ 41,000 |
| Berkeley, South Carolina | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Dorchester, South Carolina | 1 | $ 92,000 | $ 92,000 | $ 40,000 |
| Pickens, South Carolina | 1 | $ 103,000 | $ 103,000 | $ 34,000 |
| Spartanburg, South Carolina | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Sumter, South Carolina | 1 | $ 298,000 | $ 298,000 | $ 78,000 |
| Custer, South Dakota | 1 | $ 144,000 | $ 144,000 | $ 74,000 |
| Robertson, Tennessee | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Angelina, Texas | 1 | $ 162,000 | $ 162,000 | $ 90,000 |
| Bastrop, Texas | 1 | $ 204,000 | $ 204,000 | $ 146,000 |
| Brazoria, Texas | 1 | $ 247,000 | $ 247,000 | $ 65,000 |
| Chambers, Texas | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| El Paso, Texas | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Ellis, Texas | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Guadalupe, Texas | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Harris, Texas | 1 | $ 260,000 | $ 260,000 | $ 143,000 |
| Hidalgo, Texas | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Travis, Texas | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Wichita, Texas | 1 | $ 59,000 | $ 59,000 | $ 60,000 |
| Cache, Utah | 1 | $ 271,000 | $ 271,000 | $ 81,000 |
| Iron, Utah | 1 | $ 139,000 | $ 139,000 | $ 26,000 |
| Morgan, Utah | 1 | $ 417,000 | $ 417,000 | $ 77,000 |
| Summit, Utah | 1 | $ 394,000 | $ 394,000 | $ 200,000 |
| Grand Isle, Vermont | 1 | $ 303,000 | $ 303,000 | $ 100,000 |
| Amherst, Virginia | 1 | $ 92,000 | $ 92,000 | $ 30,000 |
| Chesapeake, Virginia | 1 | $ 196,000 | $ 196,000 | $ 124,000 |
| Chesterfield, Virginia | 1 | $ 111,000 | $ 111,000 | $ 62,000 |
| Culpeper, Virginia | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Henrico, Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Loudoun, Virginia | 1 | $ 350,000 | $ 350,000 | $ 82,000 |
| Manassas Park, Virginia | 1 | $ 288,000 | $ 288,000 | $ 83,000 |
| New Kent, Virginia | 1 | $ 190,000 | $ 190,000 | $ 175,000 |
| Stafford, Virginia | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Spokane, Washington | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Thurston, Washington | 1 | $ 397,000 | $ 397,000 | $ 67,000 |
| Berkeley, West Virginia | 1 | $ 293,000 | $ 293,000 | $ 71,000 |
| Monroe, West Virginia | 1 | $ 103,000 | $ 103,000 | $ 33,000 |
| Ohio, West Virginia | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Bayfield, Wisconsin | 1 | $ 321,000 | $ 321,000 | $ 73,000 |
| Dane, Wisconsin | 1 | $ 92,000 | $ 92,000 | $ 150,000 |
| Jefferson, Wisconsin | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Milwaukee, Wisconsin | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 351,000 | $ 351,000 | $ 49,000 |
| Laramie, Wyoming | 1 | $ 190,000 | $ 190,000 | $ 102,000 |
| Lincoln, Wyoming | 1 | $ 139,000 | $ 139,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for First National Bank of Layton in 2014
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 | 531 | $130,320,000 | $245,000 | $3,750,000 | $75,000 | $3,574,000 |
| Home Purchase | 104 | $31,838,000 | $306,000 | $4,000,000 | $99,000 | $1,491,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 382 | $89,579,000 | $234,000 | $973,000 | $90,000 | $3,574,000 |
| Black or African American | 93 | $21,164,000 | $227,000 | $669,000 | $69,000 | $624,000 |
| Not Provided | 74 | $19,502,000 | $263,000 | $4,000,000 | $41,000 | $564,000 |
| Hispanic | 48 | $10,029,000 | $208,000 | $494,000 | $71,000 | $295,000 |
| Asian | 28 | $7,492,000 | $267,000 | $554,000 | $101,000 | $261,000 |
| Not applicable | 8 | $13,807,000 | $1,725,000 | $3,750,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $357,000 | $357,000 | $357,000 | $100,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $228,000 | $228,000 | $228,000 | $58,000 | $58,000 |
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) | 272 | $86,875,000 | $319,000 | $4,000,000 | $118,000 | $3,574,000 |
| FHA-insured (Federal Housing Administration) | 201 | $36,405,000 | $181,000 | $697,000 | $54,000 | $1,491,000 |
| VA-guaranteed (Veterans Administration) | 162 | $38,878,000 | $239,000 | $702,000 | $46,000 | $624,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 429 | $102,615,000 | $239,000 | $789,000 | $74,000 | $1,491,000 |
| Application Denied By Financial Institution | 105 | $21,955,000 | $209,000 | $4,000,000 | $70,000 | $466,000 |
| Loan Originated | 95 | $35,708,000 | $375,000 | $3,750,000 | $118,000 | $3,574,000 |
| Loan Purchased By The Institution | 4 | $1,394,000 | $348,000 | $969,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $486,000 | $243,000 | $250,000 | $68,000 | $97,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Other | 55 | $8,904,000 | $161,000 | $417,000 | $78,000 | $466,000 |
| Credit History | 31 | $4,914,000 | $158,000 | $532,000 | $49,000 | $179,000 |
| Debt-To-Income Ratio | 10 | $6,050,000 | $605,000 | $4,000,000 | $86,000 | $237,000 |
| Collateral | 4 | $864,000 | $216,000 | $460,000 | $121,000 | $295,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $934,000 | $233,000 | $424,000 | $49,000 | $102,000 |
| Unverifiable Information | 1 | $289,000 | $289,000 | $289,000 | $53,000 | $53,000 |
| 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 2014 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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