First National Bank of Layton Mortgage Lending & HMDA Data, 2012
In 2012, First National Bank of Layton of Layton, UT reported 1,934 mortgage applications totaling $507.1 million, up 54% from 2011. The average application was for $262,205, and applicants reported an average income of $36,626. 93% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Ogden-Clearfield, UT (148), Washington-Arlington-Alexandria, DC-VA-MD-WV (115) and Phoenix-Mesa-Glendale, AZ (89) (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 | 1,934 |
| Total Mortgage Loan Application Amount | $507,106,000 |
| Average Mortgage Loan Application Amount | $262,205 |
| Highest Mortgage Loan Application Amount | $1,318,000 |
| Average Applicant Income | $36,626 |
| Highest Applicant Income | $660,000 |
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records First National Bank of Layton filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ogden-Clearfield, UT | 148 | $ 32,736,000 | $ 221,189 | $ 56,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 115 | $ 42,564,000 | $ 370,121 | $ 41,800 |
| Phoenix-Mesa-Glendale, AZ | 89 | $ 19,459,000 | $ 218,640 | $ 60,000 |
| Salt Lake City, UT | 76 | $ 18,787,000 | $ 247,197 | $ 48,000 |
| Baltimore-Towson, MD | 45 | $ 15,608,000 | $ 346,844 | $ 51,000 |
| Las Vegas-Paradise, NV | 45 | $ 10,923,000 | $ 242,733 | $ 19,000 |
| New York-White Plains-Wayne, NY-NJ | 43 | $ 14,621,000 | $ 340,023 | $ 77,674 |
| Nassau-Suffolk, NY | 40 | $ 10,597,000 | $ 264,925 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 38 | $ 9,686,000 | $ 254,894 | $ 23,947 |
| Riverside-San Bernardino-Ontario, CA | 33 | $ 8,496,000 | $ 257,454 | $ 62,000 |
| Denver-Aurora-Broomfield, CO | 31 | $ 8,001,000 | $ 258,096 | $ 58,000 |
| Colorado Springs, CO | 27 | $ 7,339,000 | $ 271,814 | $ 8,000 |
| Anchorage, AK | 23 | $ 6,867,000 | $ 298,565 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 23 | $ 4,618,000 | $ 200,782 | $ 44,000 |
| Honolulu, HI | 23 | $ 12,020,000 | $ 522,608 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 23 | $ 6,694,000 | $ 291,043 | $ 18,000 |
| Provo-Orem, UT | 23 | $ 5,322,000 | $ 231,391 | $ 30,000 |
| Los Angeles-Long Beach-Glendale, CA | 21 | $ 6,364,000 | $ 303,047 | $ 64,000 |
| San Antonio-New Braunfels, TX | 21 | $ 6,010,000 | $ 286,190 | $ 17,000 |
| Boise City-Nampa, ID | 19 | $ 4,095,000 | $ 215,526 | $ 31,000 |
| Dallas-Plano-Irving, TX | 19 | $ 3,610,000 | $ 190,000 | $ 39,000 |
| San Diego-Carlsbad-San Marcos, CA | 19 | $ 7,439,000 | $ 391,526 | $ 9,000 |
| Philadelphia, PA | 18 | $ 4,494,000 | $ 249,666 | $ 37,000 |
| Tacoma, WA | 18 | $ 6,105,000 | $ 339,166 | $ 8,000 |
| Wilmington, DE-MD-NJ | 18 | $ 4,308,000 | $ 239,333 | $ 67,666 |
| Jacksonville, FL | 17 | $ 3,796,000 | $ 223,294 | $ 2,000 |
| Warren-Troy-Farmington Hills, MI | 17 | $ 3,664,000 | $ 215,529 | $ 60,000 |
| Chicago-Joliet-Naperville, IL | 16 | $ 3,432,000 | $ 214,500 | $ 32,000 |
| Tampa-St. Petersburg-Clearwater, FL | 15 | $ 3,348,000 | $ 223,200 | $ 22,000 |
| Camden, NJ | 14 | $ 3,669,000 | $ 262,071 | $ 28,000 |
| Edison-New Brunswick, NJ | 13 | $ 3,916,000 | $ 301,230 | $ 32,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 12 | $ 2,441,000 | $ 203,416 | $ 45,750 |
| Scranton--Wilkes-Barre, PA | 12 | $ 1,400,000 | $ 116,666 | $ 42,000 |
| Seattle-Bellevue-Everett, WA | 12 | $ 4,293,000 | $ 357,750 | $ 0 |
| Newark-Union, NJ-PA | 11 | $ 3,381,000 | $ 307,363 | $ 41,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 11 | $ 2,830,000 | $ 257,272 | $ 21,272 |
| Raleigh-Cary, NC | 11 | $ 2,734,000 | $ 248,545 | $ 0 |
| Richmond, VA | 11 | $ 2,308,000 | $ 209,818 | $ 23,000 |
| Bethesda-Rockville-Frederick, MD | 10 | $ 3,383,000 | $ 338,300 | $ 63,000 |
| Charleston-North Charleston-Summerville, SC | 10 | $ 2,705,000 | $ 270,500 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 2,817,000 | $ 281,700 | $ 18,000 |
| Augusta-Richmond County, GA-SC | 9 | $ 2,124,000 | $ 236,000 | $ 0 |
| Austin-Round Rock-San Marcos, TX | 9 | $ 2,341,000 | $ 260,111 | $ 70,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 4,119,000 | $ 457,666 | $ 6,000 |
| Columbia, SC | 9 | $ 2,014,000 | $ 223,777 | $ 38,000 |
| Columbus, OH | 9 | $ 1,773,000 | $ 197,000 | $ 14,000 |
| Olympia, WA | 9 | $ 2,185,000 | $ 242,777 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 9 | $ 1,965,000 | $ 218,333 | $ 36,444 |
| Grand Rapids-Wyoming, MI | 8 | $ 1,017,000 | $ 127,125 | $ 34,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 2,079,000 | $ 259,875 | $ 27,000 |
| Indianapolis-Carmel, IN | 8 | $ 1,932,000 | $ 241,500 | $ 6,000 |
| Omaha-Council Bluffs, NE-IA | 8 | $ 1,940,000 | $ 242,500 | $ 25,375 |
| Santa Ana-Anaheim-Irvine, CA | 8 | $ 3,692,000 | $ 461,500 | $ 86,000 |
| Tucson, AZ | 8 | $ 2,286,000 | $ 285,750 | $ 14,000 |
| Cincinnati-Middletown, OH-KY-IN | 7 | $ 1,809,000 | $ 258,428 | $ 33,571 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 7 | $ 1,771,000 | $ 253,000 | $ 26,000 |
| Albuquerque, NM | 6 | $ 1,312,000 | $ 218,666 | $ 29,000 |
| Boston-Quincy, MA | 6 | $ 1,450,000 | $ 241,666 | $ 60,000 |
| Bremerton-Silverdale, WA | 6 | $ 2,527,000 | $ 421,166 | $ 0 |
| Fayetteville, NC | 6 | $ 1,279,000 | $ 213,166 | $ 25,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,547,000 | $ 257,833 | $ 41,000 |
| Memphis, TN-MS-AR | 6 | $ 1,316,000 | $ 219,333 | $ 0 |
| Oakland-Fremont-Hayward, CA | 6 | $ 1,662,000 | $ 277,000 | $ 89,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 2,118,000 | $ 353,000 | $ 38,000 |
| York-Hanover, PA | 6 | $ 1,666,000 | $ 277,666 | $ 27,000 |
| Baton Rouge, LA | 5 | $ 1,102,000 | $ 220,400 | $ 47,000 |
| Boulder, CO | 5 | $ 1,544,000 | $ 308,800 | $ 55,000 |
| Clarksville, TN-KY | 5 | $ 1,027,000 | $ 205,400 | $ 44,600 |
| Dayton, OH | 5 | $ 1,297,000 | $ 259,400 | $ 0 |
| Elizabethtown, KY | 5 | $ 1,054,000 | $ 210,800 | $ 0 |
| Fort Worth-Arlington, TX | 5 | $ 767,000 | $ 153,400 | $ 26,000 |
| Kansas City, MO-KS | 5 | $ 1,066,000 | $ 213,200 | $ 13,200 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,395,000 | $ 279,000 | $ 43,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 1,098,000 | $ 219,600 | $ 0 |
| Oklahoma City, OK | 5 | $ 1,056,000 | $ 211,200 | $ 21,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 1,031,000 | $ 206,200 | $ 0 |
| Pittsburgh, PA | 5 | $ 886,000 | $ 177,200 | $ 29,000 |
| Rockingham County-Strafford County, NH | 5 | $ 1,466,000 | $ 293,200 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 1,414,000 | $ 282,800 | $ 19,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 2,182,000 | $ 436,400 | $ 88,000 |
| Shreveport-Bossier City, LA | 5 | $ 930,000 | $ 186,000 | $ 51,000 |
| Spokane, WA | 5 | $ 1,129,000 | $ 225,800 | $ 0 |
| Vallejo-Fairfield, CA | 5 | $ 1,355,000 | $ 271,000 | $ 43,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 1,261,000 | $ 315,250 | $ 0 |
| Jackson, MS | 4 | $ 1,070,000 | $ 267,500 | $ 27,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 806,000 | $ 201,500 | $ 18,750 |
| Lancaster, PA | 4 | $ 1,027,000 | $ 256,750 | $ 0 |
| Napa, CA | 4 | $ 2,261,000 | $ 565,250 | $ 16,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 4 | $ 824,000 | $ 206,000 | $ 8,000 |
| Prescott, AZ | 4 | $ 824,000 | $ 206,000 | $ 80,000 |
| Savannah, GA | 4 | $ 917,000 | $ 229,250 | $ 24,000 |
| Springfield, MA | 4 | $ 866,000 | $ 216,500 | $ 9,000 |
| Tulsa, OK | 4 | $ 874,000 | $ 218,500 | $ 27,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 548,000 | $ 182,666 | $ 46,000 |
| Barnstable Town, MA | 3 | $ 845,000 | $ 281,666 | $ 25,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 460,000 | $ 153,333 | $ 20,000 |
| Coeur D'Alene, ID | 3 | $ 533,000 | $ 177,666 | $ 43,000 |
| Fairbanks, AK | 3 | $ 976,000 | $ 325,333 | $ 0 |
| Flagstaff, AZ | 3 | $ 829,000 | $ 276,333 | $ 133,000 |
| Fresno, CA | 3 | $ 854,000 | $ 284,666 | $ 25,000 |
| Greeley, CO | 3 | $ 804,000 | $ 268,000 | $ 104,000 |
| Harrisburg-Carlisle, PA | 3 | $ 1,012,000 | $ 337,333 | $ 0 |
| Kingston, NY | 3 | $ 637,000 | $ 212,333 | $ 65,000 |
| Lebanon, PA | 3 | $ 589,000 | $ 196,333 | $ 10,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 660,000 | $ 220,000 | $ 68,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 947,000 | $ 315,666 | $ 11,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 545,000 | $ 181,666 | $ 0 |
| Peabody, MA | 3 | $ 806,000 | $ 268,666 | $ 19,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 729,000 | $ 243,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 802,000 | $ 267,333 | $ 51,000 |
| Pueblo, CO | 3 | $ 599,000 | $ 199,666 | $ 10,000 |
| Rapid City, SD | 3 | $ 659,000 | $ 219,666 | $ 0 |
| Reno-Sparks, NV | 3 | $ 468,000 | $ 156,000 | $ 14,000 |
| Rochester, NY | 3 | $ 543,000 | $ 181,000 | $ 22,000 |
| Salem, OR | 3 | $ 467,000 | $ 155,666 | $ 20,000 |
| St. Louis, MO-IL | 3 | $ 633,000 | $ 211,000 | $ 0 |
| Wenatchee-East Wenatchee, WA | 3 | $ 990,000 | $ 330,000 | $ 0 |
| Worcester, MA | 3 | $ 804,000 | $ 268,000 | $ 58,000 |
| Akron, OH | 2 | $ 211,000 | $ 105,500 | $ 17,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 325,000 | $ 162,500 | $ 15,000 |
| Alexandria, LA | 2 | $ 374,000 | $ 187,000 | $ 158,000 |
| Ann Arbor, MI | 2 | $ 516,000 | $ 258,000 | $ 152,000 |
| Asheville, NC | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Bend, OR | 2 | $ 396,000 | $ 198,000 | $ 21,000 |
| Billings, MT | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Carson City, NV | 2 | $ 568,000 | $ 284,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 234,000 | $ 117,000 | $ 0 |
| College Station-Bryan, TX | 2 | $ 553,000 | $ 276,500 | $ 0 |
| Columbus, GA-AL | 2 | $ 578,000 | $ 289,000 | $ 0 |
| Des Moines-West Des Moines, IA | 2 | $ 1,285,000 | $ 642,500 | $ 0 |
| Dover, DE | 2 | $ 425,000 | $ 212,500 | $ 20,000 |
| Fort Collins-Loveland, CO | 2 | $ 520,000 | $ 260,000 | $ 27,000 |
| Grand Junction, CO | 2 | $ 485,000 | $ 242,500 | $ 0 |
| Greenville-Mauldin-Easley, SC | 2 | $ 199,000 | $ 99,500 | $ 7,000 |
| Gulfport-Biloxi, MS | 2 | $ 425,000 | $ 212,500 | $ 49,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 311,000 | $ 155,500 | $ 18,000 |
| Jonesboro, AR | 2 | $ 420,000 | $ 210,000 | $ 34,000 |
| Kennewick-Pasco-Richland, WA | 2 | $ 643,000 | $ 321,500 | $ 63,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 454,000 | $ 227,000 | $ 0 |
| Lafayette, LA | 2 | $ 447,000 | $ 223,500 | $ 50,000 |
| Lakeland-Winter Haven, FL | 2 | $ 263,000 | $ 131,500 | $ 229,000 |
| Lawton, OK | 2 | $ 280,000 | $ 140,000 | $ 18,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 699,000 | $ 349,500 | $ 0 |
| Midland, TX | 2 | $ 466,000 | $ 233,000 | $ 63,000 |
| Missoula, MT | 2 | $ 712,000 | $ 356,000 | $ 0 |
| Montgomery, AL | 2 | $ 373,000 | $ 186,500 | $ 0 |
| Morgantown, WV | 2 | $ 271,000 | $ 135,500 | $ 18,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 351,000 | $ 175,500 | $ 52,000 |
| New Haven-Milford, CT | 2 | $ 537,000 | $ 268,500 | $ 0 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 321,000 | $ 160,500 | $ 0 |
| Racine, WI | 2 | $ 510,000 | $ 255,000 | $ 72,000 |
| Reading, PA | 2 | $ 519,000 | $ 259,500 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,120,000 | $ 560,000 | $ 138,000 |
| Stockton, CA | 2 | $ 547,000 | $ 273,500 | $ 0 |
| Sumter, SC | 2 | $ 416,000 | $ 208,000 | $ 0 |
| Syracuse, NY | 2 | $ 332,000 | $ 166,000 | $ 23,000 |
| Trenton-Ewing, NJ | 2 | $ 522,000 | $ 261,000 | $ 0 |
| Victoria, TX | 2 | $ 512,000 | $ 256,000 | $ 0 |
| Williamsport, PA | 2 | $ 443,000 | $ 221,500 | $ 30,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 306,000 | $ 153,000 | $ 22,000 |
| Yuma, AZ | 2 | $ 585,000 | $ 292,500 | $ 59,000 |
| Albany, GA | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Anderson, IN | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Anderson, SC | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Appleton, WI | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Bakersfield-Delano, CA | 1 | $ 170,000 | $ 170,000 | $ 79,000 |
| Binghamton, NY | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 241,000 | $ 241,000 | $ 123,000 |
| Brownsville-Harlingen, TX | 1 | $ 84,000 | $ 84,000 | $ 65,000 |
| Brunswick, GA | 1 | $ 81,000 | $ 81,000 | $ 38,000 |
| Burlington-South Burlington, VT | 1 | $ 341,000 | $ 341,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Cheyenne, WY | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Chico, CA | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Columbia, MO | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Corvallis, OR | 1 | $ 166,000 | $ 166,000 | $ 55,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 147,000 | $ 147,000 | $ 39,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 75,000 | $ 75,000 | $ 87,000 |
| Dothan, AL | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 408,000 | $ 408,000 | $ 144,000 |
| Eugene-Springfield, OR | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 201,000 | $ 201,000 | $ 63,000 |
| Fond Du Lac, WI | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Goldsboro, NC | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 222,000 | $ 222,000 | $ 85,000 |
| Green Bay, WI | 1 | $ 83,000 | $ 83,000 | $ 60,000 |
| Hattiesburg, MS | 1 | $ 168,000 | $ 168,000 | $ 39,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Huntsville, AL | 1 | $ 343,000 | $ 343,000 | $ 0 |
| Iowa City, IA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Jefferson City, MO | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Lake Charles, LA | 1 | $ 63,000 | $ 63,000 | $ 46,000 |
| Las Cruces, NM | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 113,000 | $ 113,000 | $ 60,000 |
| Lincoln, NE | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Logan, UT-ID | 1 | $ 355,000 | $ 355,000 | $ 86,000 |
| Lubbock, TX | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Manhattan, KS | 1 | $ 191,000 | $ 191,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 263,000 | $ 263,000 | $ 126,000 |
| Mobile, AL | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Ocean City, NJ | 1 | $ 300,000 | $ 300,000 | $ 96,000 |
| Pittsfield, MA | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Pocatello, ID | 1 | $ 170,000 | $ 170,000 | $ 73,000 |
| Punta Gorda, FL | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Rome, GA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 1 | $ 153,000 | $ 153,000 | $ 37,000 |
| Salinas, CA | 1 | $ 228,000 | $ 228,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Sandusky, OH | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 988,000 | $ 988,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 275,000 | $ 275,000 | $ 0 |
| St. George, UT | 1 | $ 350,000 | $ 350,000 | $ 147,000 |
| Topeka, KS | 1 | $ 71,000 | $ 71,000 | $ 66,000 |
| Tyler, TX | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 306,000 | $ 306,000 | $ 0 |
| Waco, TX | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Warner Robins, GA | 1 | $ 281,000 | $ 281,000 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Wilmington, NC | 1 | $ 94,000 | $ 94,000 | $ 44,000 |
| Winston-Salem, NC | 1 | $ 112,000 | $ 112,000 | $ 102,000 |
| Yuba City, CA | 1 | $ 165,000 | $ 165,000 | $ 0 |
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.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
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