Mountain States Mortgage Mortgage Lending & HMDA Data, 2009

In 2009, Mountain States Mortgage of Sandy, UT reported 4,803 mortgage applications totaling $900.5 million, up 470% from 2008. The average application was for $187,489, and applicants reported an average income of $149. 63% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (246), Dallas-Plano-Irving, TX (178) and Riverside-San Bernardino-Ontario, CA (154) (applications in parentheses).

Mortgage Company & Address Mountain States Mortgage
1333 E 9400 S
Sandy, UT 84093
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 4,803
Total Mortgage Loan Application Amount $900,510,000
Average Mortgage Loan Application Amount $187,489
Highest Mortgage Loan Application Amount $750,000
Average Applicant Income $149
Highest Applicant Income $202,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mountain States Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Mountain States Mortgage by Metropolitan Area in 2009

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Houston-Sugar Land-Baytown, TX 246 $ 41,901,000 $ 170,329 $ 0
Dallas-Plano-Irving, TX 178 $ 29,549,000 $ 166,005 $ 0
Riverside-San Bernardino-Ontario, CA 154 $ 40,115,000 $ 260,487 $ 0
Salt Lake City, UT 149 $ 36,108,000 $ 242,335 $ 0
Fort Worth-Arlington, TX 137 $ 21,489,000 $ 156,854 $ 0
Nashville-Davidson--Murfreesboro--Franklin, TN 112 $ 23,616,000 $ 210,857 $ 0
Austin-Round Rock, TX 107 $ 18,515,000 $ 173,037 $ 0
Cincinnati-Middletown, OH-KY-IN 102 $ 17,937,000 $ 175,852 $ 0
Indianapolis-Carmel, IN 98 $ 16,368,000 $ 167,020 $ 0
Columbus, OH 97 $ 17,708,000 $ 182,556 $ 0
San Antonio, TX 90 $ 14,651,000 $ 162,788 $ 0
Las Vegas-Paradise, NV 86 $ 18,013,000 $ 209,453 $ 0
Cleveland-Elyria-Mentor, OH 85 $ 14,247,000 $ 167,611 $ 0
Warren-Troy-Farmington Hills, MI 79 $ 13,221,000 $ 167,354 $ 0
Ogden-Clearfield, UT 68 $ 13,633,000 $ 200,485 $ 0
Louisville-Jefferson County, KY-IN 67 $ 10,457,000 $ 156,074 $ 0
Oklahoma City, OK 65 $ 11,116,000 $ 171,015 $ 0
Los Angeles-Long Beach-Glendale, CA 59 $ 21,109,000 $ 357,779 $ 0
Provo-Orem, UT 58 $ 12,831,000 $ 221,224 $ 0
Gary, IN 56 $ 11,146,000 $ 199,035 $ 0
Charleston-North Charleston-Summerville, SC 55 $ 11,438,000 $ 207,963 $ 0
Sacramento--Arden-Arcade--Roseville, CA 53 $ 14,314,000 $ 270,075 $ 0
St. Louis, MO-IL 53 $ 10,319,000 $ 194,698 $ 0
Tulsa, OK 53 $ 9,904,000 $ 186,867 $ 0
Memphis, TN-MS-AR 46 $ 8,306,000 $ 180,565 $ 0
Kansas City, MO-KS 40 $ 7,718,000 $ 192,950 $ 0
Bakersfield, CA 36 $ 7,623,000 $ 211,750 $ 0
Corpus Christi, TX 36 $ 5,408,000 $ 150,222 $ 0
Columbia, SC 35 $ 6,351,000 $ 181,457 $ 0
Knoxville, TN 34 $ 6,189,000 $ 182,029 $ 0
Stockton, CA 34 $ 8,122,000 $ 238,882 $ 0
Dayton, OH 32 $ 4,550,000 $ 142,187 $ 0
San Diego-Carlsbad-San Marcos, CA 31 $ 11,407,000 $ 367,967 $ 0
Fresno, CA 29 $ 6,759,000 $ 233,068 $ 0
Oakland-Fremont-Hayward, CA 28 $ 8,321,000 $ 297,178 $ 0
Detroit-Livonia-Dearborn, MI 26 $ 4,300,000 $ 165,384 $ 0
Reno-Sparks, NV 26 $ 5,358,000 $ 206,076 $ 0
Vallejo-Fairfield, CA 26 $ 7,233,000 $ 278,192 $ 3,000
El Paso, TX 25 $ 4,145,000 $ 165,800 $ 0
Grand Rapids-Wyoming, MI 25 $ 3,665,000 $ 146,600 $ 0
Modesto, CA 25 $ 5,805,000 $ 232,200 $ 0
St. George, UT 25 $ 5,615,000 $ 224,600 $ 0
Canton-Massillon, OH 24 $ 3,649,000 $ 152,041 $ 0
Greenville-Mauldin-Easley, SC 24 $ 4,165,000 $ 173,541 $ 0
Killeen-Temple-Fort Hood, TX 24 $ 3,636,000 $ 151,500 $ 0
Toledo, OH 23 $ 3,627,000 $ 157,695 $ 0
Visalia-Porterville, CA 22 $ 3,942,000 $ 179,181 $ 0
Akron, OH 21 $ 3,707,000 $ 176,523 $ 0
Casper, WY 21 $ 4,005,000 $ 190,714 $ 0
Lubbock, TX 21 $ 3,020,000 $ 143,809 $ 0
Charlotte-Gastonia-Concord, NC-SC 20 $ 3,817,000 $ 190,850 $ 0
Lansing-East Lansing, MI 20 $ 2,995,000 $ 149,750 $ 0
Cheyenne, WY 19 $ 3,871,000 $ 203,736 $ 0
Holland-Grand Haven, MI 19 $ 3,010,000 $ 158,421 $ 0
Lexington-Fayette, KY 19 $ 2,631,000 $ 138,473 $ 0
Denver-Aurora-Broomfield, CO 18 $ 3,661,000 $ 203,388 $ 0
McAllen-Edinburg-Mission, TX 18 $ 2,726,000 $ 151,444 $ 0
Flint, MI 17 $ 2,205,000 $ 129,705 $ 0
Myrtle Beach-North Myrtle Beach-Conway, SC 17 $ 3,192,000 $ 187,764 $ 0
Laredo, TX 16 $ 2,829,000 $ 176,812 $ 0
Logan, UT-ID 16 $ 3,054,000 $ 190,875 $ 0
Beaumont-Port Arthur, TX 15 $ 2,171,000 $ 144,733 $ 0
Boise City-Nampa, ID 15 $ 2,381,000 $ 158,733 $ 0
Evansville, IN-KY 15 $ 1,974,000 $ 131,600 $ 0
Youngstown-Warren-Boardman, OH-PA 15 $ 2,354,000 $ 156,933 $ 0
Amarillo, TX 14 $ 2,102,000 $ 150,142 $ 0
Birmingham-Hoover, AL 14 $ 1,986,000 $ 141,857 $ 0
Chattanooga, TN-GA 14 $ 2,340,000 $ 167,142 $ 0
Fort Wayne, IN 14 $ 1,966,000 $ 140,428 $ 0
Odessa, TX 14 $ 2,294,000 $ 163,857 $ 0
Yuba City, CA 14 $ 3,406,000 $ 243,285 $ 0
Bloomington, IN 13 $ 1,715,000 $ 131,923 $ 0
Santa Ana-Anaheim-Irvine, CA 13 $ 5,803,000 $ 446,384 $ 0
South Bend-Mishawaka, IN-MI 13 $ 1,956,000 $ 150,461 $ 0
Honolulu, HI 12 $ 3,697,000 $ 308,083 $ 0
Oxnard-Thousand Oaks-Ventura, CA 12 $ 4,471,000 $ 372,583 $ 0
Santa Rosa-Petaluma, CA 12 $ 3,196,000 $ 266,333 $ 0
Tyler, TX 12 $ 1,674,000 $ 139,500 $ 0
Idaho Falls, ID 11 $ 1,525,000 $ 138,636 $ 0
Kalamazoo-Portage, MI 11 $ 1,592,000 $ 144,727 $ 0
Spartanburg, SC 11 $ 2,121,000 $ 192,818 $ 0
Brownsville-Harlingen, TX 10 $ 1,618,000 $ 161,800 $ 0
Clarksville, TN-KY 10 $ 1,532,000 $ 153,200 $ 0
Lafayette, IN 10 $ 1,752,000 $ 175,200 $ 0
Niles-Benton Harbor, MI 10 $ 1,537,000 $ 153,700 $ 0
Redding, CA 10 $ 2,179,000 $ 217,900 $ 0
Waco, TX 10 $ 1,353,000 $ 135,300 $ 0
Anderson, SC 9 $ 1,369,000 $ 152,111 $ 0
Michigan City-La Porte, IN 9 $ 1,357,000 $ 150,777 $ 0
San Jose-Sunnyvale-Santa Clara, CA 9 $ 4,497,000 $ 499,666 $ 22,000
Springfield, MO 9 $ 1,583,000 $ 175,888 $ 0
Ann Arbor, MI 8 $ 1,905,000 $ 238,125 $ 0
Augusta-Richmond County, GA-SC 8 $ 1,524,000 $ 190,500 $ 0
Huntsville, AL 8 $ 1,149,000 $ 143,625 $ 0
San Luis Obispo-Paso Robles, CA 8 $ 2,458,000 $ 307,250 $ 0
Florence, SC 7 $ 1,306,000 $ 186,571 $ 0
Grand Junction, CO 7 $ 1,403,000 $ 200,428 $ 0
Kingsport-Bristol-Bristol, TN-VA 7 $ 854,000 $ 122,000 $ 0
Longview, TX 7 $ 894,000 $ 127,714 $ 0
Monroe, MI 7 $ 980,000 $ 140,000 $ 0
Springfield, OH 7 $ 1,033,000 $ 147,571 $ 0
Cape Girardeau-Jackson, MO-IL 6 $ 1,010,000 $ 168,333 $ 0
College Station-Bryan, TX 6 $ 1,098,000 $ 183,000 $ 0
Colorado Springs, CO 6 $ 1,144,000 $ 190,666 $ 7,000
Jackson, MI 6 $ 892,000 $ 148,666 $ 0
Midland, TX 6 $ 1,082,000 $ 180,333 $ 0
Mobile, AL 6 $ 665,000 $ 110,833 $ 0
Montgomery, AL 6 $ 823,000 $ 137,166 $ 0
Pocatello, ID 6 $ 833,000 $ 138,833 $ 0
St. Joseph, MO-KS 6 $ 1,136,000 $ 189,333 $ 0
Abilene, TX 5 $ 769,000 $ 153,800 $ 0
Battle Creek, MI 5 $ 703,000 $ 140,600 $ 0
Columbus, IN 5 $ 1,028,000 $ 205,600 $ 0
El Centro, CA 5 $ 1,157,000 $ 231,400 $ 0
Elizabethtown, KY 5 $ 688,000 $ 137,600 $ 0
Elkhart-Goshen, IN 5 $ 845,000 $ 169,000 $ 0
Florence-Muscle Shoals, AL 5 $ 671,000 $ 134,200 $ 0
Greeley, CO 5 $ 689,000 $ 137,800 $ 0
Jackson, TN 5 $ 764,000 $ 152,800 $ 0
Johnson City, TN 5 $ 1,050,000 $ 210,000 $ 0
Muskegon-Norton Shores, MI 5 $ 613,000 $ 122,600 $ 0
Portland-Vancouver-Beaverton, OR-WA 5 $ 1,464,000 $ 292,800 $ 0
San Francisco-San Mateo-Redwood City, CA 5 $ 2,582,000 $ 516,400 $ 0
Sandusky, OH 5 $ 802,000 $ 160,400 $ 0
Sherman-Denison, TX 5 $ 713,000 $ 142,600 $ 0
Texarkana, Tx-Texarkana, AR 5 $ 572,000 $ 114,400 $ 0
Wichita Falls, TX 5 $ 755,000 $ 151,000 $ 0
Anniston-Oxford, AL 4 $ 711,000 $ 177,750 $ 0
Chico, CA 4 $ 670,000 $ 167,500 $ 0
Cleveland, TN 4 $ 685,000 $ 171,250 $ 0
Fort Smith, AR-OK 4 $ 661,000 $ 165,250 $ 0
Hanford-Corcoran, CA 4 $ 1,056,000 $ 264,000 $ 0
Huntington-Ashland, WV-KY-OH 4 $ 534,000 $ 133,500 $ 0
Lima, OH 4 $ 456,000 $ 114,000 $ 0
Madera-Chowchilla, CA 4 $ 824,000 $ 206,000 $ 0
Mansfield, OH 4 $ 541,000 $ 135,250 $ 0
Morristown, TN 4 $ 501,000 $ 125,250 $ 0
Owensboro, KY 4 $ 494,000 $ 123,500 $ 0
Saginaw-Saginaw Township North, MI 4 $ 506,000 $ 126,500 $ 0
Salinas, CA 4 $ 1,278,000 $ 319,500 $ 0
Tuscaloosa, AL 4 $ 523,000 $ 130,750 $ 0
Victoria, TX 4 $ 464,000 $ 116,000 $ 0
Auburn-Opelika, AL 3 $ 348,000 $ 116,000 $ 0
Bay City, MI 3 $ 455,000 $ 151,666 $ 0
Bowling Green, KY 3 $ 359,000 $ 119,666 $ 0
Columbia, MO 3 $ 625,000 $ 208,333 $ 0
Fayetteville-Springdale-Rogers, AR-MO 3 $ 661,000 $ 220,333 $ 0
Lewiston, ID-WA 3 $ 450,000 $ 150,000 $ 0
Merced, CA 3 $ 577,000 $ 192,333 $ 0
Pueblo, CO 3 $ 526,000 $ 175,333 $ 28,000
San Angelo, TX 3 $ 326,000 $ 108,666 $ 0
Terre Haute, IN 3 $ 488,000 $ 162,666 $ 0
Weirton-Steubenville, WV-OH 3 $ 469,000 $ 156,333 $ 0
Wheeling, WV-OH 3 $ 489,000 $ 163,000 $ 0
Coeur D'Alene, ID 2 $ 332,000 $ 166,000 $ 0
Dothan, AL 2 $ 245,000 $ 122,500 $ 0
Fort Collins-Loveland, CO 2 $ 409,000 $ 204,500 $ 0
Jefferson City, MO 2 $ 330,000 $ 165,000 $ 0
Lawton, OK 2 $ 286,000 $ 143,000 $ 0
Muncie, IN 2 $ 323,000 $ 161,500 $ 0
Salem, OR 2 $ 323,000 $ 161,500 $ 0
Santa Barbara-Santa Maria-Goleta, CA 2 $ 790,000 $ 395,000 $ 0
Santa Cruz-Watsonville, CA 2 $ 888,000 $ 444,000 $ 0
Anderson, IN 1 $ 128,000 $ 128,000 $ 0
Atlanta-Sandy Springs-Marietta, GA 1 $ 132,000 $ 132,000 $ 0
Bend, OR 1 $ 180,000 $ 180,000 $ 0
Boulder, CO 1 $ 266,000 $ 266,000 $ 0
Carson City, NV 1 $ 184,000 $ 184,000 $ 0
Decatur, AL 1 $ 156,000 $ 156,000 $ 0
Eugene-Springfield, OR 1 $ 83,000 $ 83,000 $ 0
Gadsden, AL 1 $ 153,000 $ 153,000 $ 0
Kokomo, IN 1 $ 78,000 $ 78,000 $ 0
Medford, OR 1 $ 191,000 $ 191,000 $ 0
Parkersburg-Marietta-Vienna, WV-OH 1 $ 88,000 $ 88,000 $ 0
Sumter, SC 1 $ 194,000 $ 194,000 $ 0

Mortgage Loan Application Detail Totals for Mountain States Mortgage in 2009

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 4,794 $898,339,000 $187,000 $750,000 $0 $0
Home Purchase 9 $2,171,000 $241,000 $722,000 $80,000 $202,000
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 3,652 $675,404,000 $184,000 $750,000 $0 $202,000
Not Provided 516 $103,676,000 $200,000 $646,000 $0 $0
Hispanic 366 $71,994,000 $196,000 $671,000 $0 $0
Black or African American 194 $32,592,000 $168,000 $509,000 $0 $0
Asian 43 $9,948,000 $231,000 $495,000 $0 $0
Native Hawaiian or Other Pacific Islander 22 $4,885,000 $222,000 $630,000 $2,000 $44,000
American Indian or Alaskan Native 10 $2,011,000 $201,000 $374,000 $0 $0
Not applicable 0 $0 $0 $0 $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
FHA-insured (Federal Housing Administration) 4,800 $900,074,000 $187,000 $750,000 $0 $202,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2 $334,000 $167,000 $168,000 $25,000 $51,000
VA-guaranteed (Veterans Administration) 1 $102,000 $102,000 $102,000 $0 $0
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 3,024 $562,480,000 $186,000 $720,000 $0 $84,000
Application Withdrawn By Applicant 904 $172,334,000 $190,000 $699,000 $0 $67,000
Application Approved But Not Accepted 647 $129,857,000 $200,000 $750,000 $0 $202,000
Application Denied By Financial Institution 228 $35,839,000 $157,000 $671,000 $0 $51,000
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 9 $1,360,000 $151,000 $272,000 $0 $0
Other 4 $531,000 $132,000 $183,000 $0 $0
Debt-To-Income Ratio 1 $272,000 $272,000 $272,000 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Mountain States Mortgage's 2009 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 Mountain States Mortgage'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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