United Security Financial Corp Mortgage Lending & HMDA Data, 2005
In 2005, United Security Financial Corp of Murray, UT reported 704 mortgage applications totaling $191.3 million, up 35% from 2004. The average application was for $271,725, and applicants reported an average income of $167,392. 38% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Salt Lake City, UT (122), Atlanta-Sandy Springs-Marietta, GA (47) and Los Angeles-Long Beach-Glendale, CA (31) (applications in parentheses).
| Mortgage Company & Address | United Security Financial Corp 930 East 6600 South Murray, UT 84121 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 704 |
| Total Mortgage Loan Application Amount | $191,295,000 |
| Average Mortgage Loan Application Amount | $271,725 |
| Highest Mortgage Loan Application Amount | $3,536,000 |
| Average Applicant Income | $167,392 |
| Highest Applicant Income | $4,084,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Security Financial Corp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Salt Lake City, UT | 122 | $ 20,036,000 | $ 164,229 | $ 107,000 |
| Atlanta-Sandy Springs-Marietta, GA | 47 | $ 8,213,000 | $ 174,744 | $ 129,000 |
| Los Angeles-Long Beach-Glendale, CA | 31 | $ 12,241,000 | $ 394,870 | $ 165,000 |
| Miami-Miami Beach-Kendall, FL | 29 | $ 12,156,000 | $ 419,172 | $ 289,000 |
| Las Vegas-Paradise, NV | 24 | $ 15,507,000 | $ 646,125 | $ 441,000 |
| Provo-Orem, UT | 24 | $ 7,439,000 | $ 309,958 | $ 184,000 |
| Orlando, FL | 22 | $ 6,644,000 | $ 302,000 | $ 99,000 |
| Dallas-Plano-Irving, TX | 21 | $ 3,399,000 | $ 161,857 | $ 129,000 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 4,688,000 | $ 312,533 | $ 183,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 3,054,000 | $ 218,142 | $ 59,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 1,903,000 | $ 135,928 | $ 39,000 |
| Houston-Baytown-Sugar Land, TX | 12 | $ 3,113,000 | $ 259,416 | $ 213,000 |
| San Diego-Carlsbad-San Marcos, CA | 12 | $ 5,152,000 | $ 429,333 | $ 183,000 |
| Baton Rouge, LA | 10 | $ 643,000 | $ 64,300 | $ 74,000 |
| Chicago-Naperville-Joliet, IL | 10 | $ 2,086,000 | $ 208,600 | $ 86,000 |
| Ogden-Clearfield, UT | 10 | $ 1,843,000 | $ 184,300 | $ 136,000 |
| Santa Ana-Anaheim-Irvine, CA | 10 | $ 3,354,000 | $ 335,400 | $ 155,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 2,468,000 | $ 246,800 | $ 116,000 |
| Baltimore-Towson, MD | 9 | $ 1,326,000 | $ 147,333 | $ 69,000 |
| Denver-Aurora, CO | 8 | $ 2,040,000 | $ 255,000 | $ 127,000 |
| Merced, CA | 8 | $ 2,865,000 | $ 358,125 | $ 4,084,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 1,450,000 | $ 181,250 | $ 51,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 2,800,000 | $ 350,000 | $ 246,000 |
| Fort Worth-Arlington, TX | 7 | $ 1,647,000 | $ 235,285 | $ 113,000 |
| Indianapolis, IN | 7 | $ 887,000 | $ 126,714 | $ 118,000 |
| Memphis, TN-MS-AR | 6 | $ 677,000 | $ 112,833 | $ 73,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,491,000 | $ 248,500 | $ 165,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,818,000 | $ 303,000 | $ 217,000 |
| Tacoma, WA | 6 | $ 675,000 | $ 112,500 | $ 129,000 |
| Cincinnati-Middletown, OH-KY-IN | 5 | $ 279,000 | $ 55,800 | $ 283,000 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 1,712,000 | $ 342,400 | $ 187,000 |
| Oakland-Fremont-Hayward, CA | 5 | $ 4,452,000 | $ 890,400 | $ 316,000 |
| Raleigh-Cary, NC | 5 | $ 930,000 | $ 186,000 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,082,000 | $ 216,400 | $ 102,000 |
| Bethesda-Frederick-Gaithersburg, MD | 4 | $ 1,235,000 | $ 308,750 | $ 116,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 4 | $ 1,857,000 | $ 464,250 | $ 365,000 |
| St. Louis, MO-IL | 4 | $ 903,000 | $ 225,750 | $ 150,000 |
| Appleton, WI | 3 | $ 177,000 | $ 59,000 | $ 87,000 |
| Fresno, CA | 3 | $ 508,000 | $ 169,333 | $ 81,000 |
| Honolulu, HI | 3 | $ 1,562,000 | $ 520,666 | $ 403,000 |
| Prescott, AZ | 3 | $ 253,000 | $ 84,333 | $ 26,000 |
| Salinas, CA | 3 | $ 2,019,000 | $ 673,000 | $ 208,000 |
| San Antonio, TX | 3 | $ 146,000 | $ 48,666 | $ 76,000 |
| St. George, UT | 3 | $ 773,000 | $ 257,666 | $ 46,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 672,000 | $ 224,000 | $ 77,000 |
| Anchorage, AK | 2 | $ 925,000 | $ 462,500 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 900,000 | $ 450,000 | $ 420,000 |
| Fort Wayne, IN | 2 | $ 62,000 | $ 31,000 | $ 85,000 |
| Greeley, CO | 2 | $ 260,000 | $ 130,000 | $ 120,000 |
| Jacksonville, FL | 2 | $ 95,000 | $ 47,500 | $ 88,000 |
| Lafayette, LA | 2 | $ 193,000 | $ 96,500 | $ 92,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 625,000 | $ 312,500 | $ 180,000 |
| Lynchburg, VA | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 134,000 | $ 67,000 | $ 0 |
| Modesto, CA | 2 | $ 171,000 | $ 85,500 | $ 84,000 |
| Naples-Marco Island, FL | 2 | $ 1,242,000 | $ 621,000 | $ 300,000 |
| Owensboro, KY | 2 | $ 103,000 | $ 51,500 | $ 0 |
| Panama City-Lynn Haven, FL | 2 | $ 157,000 | $ 78,500 | $ 99,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 1,918,000 | $ 959,000 | $ 737,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,772,000 | $ 886,000 | $ 474,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 939,000 | $ 469,500 | $ 162,000 |
| Savannah, GA | 2 | $ 2,000,000 | $ 1,000,000 | $ 900,000 |
| Sherman-Denison, TX | 2 | $ 55,000 | $ 27,500 | $ 83,000 |
| Tallahassee, FL | 2 | $ 173,000 | $ 86,500 | $ 60,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 67,000 | $ 67,000 | $ 98,000 |
| Austin-Round Rock, TX | 1 | $ 40,000 | $ 40,000 | $ 120,000 |
| Bakersfield, CA | 1 | $ 379,000 | $ 379,000 | $ 90,000 |
| Birmingham-Hoover, AL | 1 | $ 1,560,000 | $ 1,560,000 | $ 480,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 478,000 | $ 478,000 | $ 102,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 42,000 | $ 42,000 | $ 187,000 |
| Charleston-North Charleston, SC | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Des Moines, IA | 1 | $ 136,000 | $ 136,000 | $ 72,000 |
| Gainesville, FL | 1 | $ 80,000 | $ 80,000 | $ 111,000 |
| Huntsville, AL | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Logan, UT-ID | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
| Mansfield, OH | 1 | $ 90,000 | $ 90,000 | $ 42,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 2,925,000 | $ 2,925,000 | $ 1,440,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Redding, CA | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 204,000 | $ 204,000 | $ 568,000 |
| Tulsa, OK | 1 | $ 367,000 | $ 367,000 | $ 484,000 |
| Vallejo-Fairfield, CA | 1 | $ 224,000 | $ 224,000 | $ 79,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 29,000 | $ 29,000 | $ 0 |
Mortgage Loan Application Detail Totals for United Security Financial Corp in 2005
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 415 | $109,043,000 | $293,333 | $3,420,000 | $204,866 | $1,775,000 |
| Refinancing | 289 | $82,252,000 | $389,757 | $3,536,000 | $184,212 | $4,084,000 |
| 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 | 476 | $140,072,000 | $402,085 | $3,536,000 | $239,000 | $4,084,000 |
| Black or African American | 136 | $25,141,000 | $157,937 | $1,408,000 | $78,312 | $706,000 |
| Hispanic | 34 | $10,318,000 | $273,428 | $1,470,000 | $171,142 | $900,000 |
| Asian | 25 | $7,502,000 | $364,571 | $1,360,000 | $139,285 | $568,000 |
| Not Provided | 18 | $4,856,000 | $317,200 | $1,275,000 | $213,300 | $1,775,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,956,000 | $187,000 | $500,000 | $117,800 | $266,000 |
| American Indian or Alaskan Native | 5 | $1,450,000 | $258,000 | $800,000 | $77,333 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 676 | $187,291,000 | $391,820 | $3,536,000 | $211,974 | $4,084,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,630,000 | $127,250 | $178,000 | $32,750 | $80,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,374,000 | $220,250 | $322,000 | $67,500 | $97,000 |
| 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 | 431 | $129,794,000 | $412,500 | $3,536,000 | $222,823 | $3,168,000 |
| Loan Originated | 266 | $60,398,000 | $273,785 | $1,645,000 | $119,000 | $4,084,000 |
| Application Approved But Not Accepted | 4 | $572,000 | $143,000 | $194,000 | $108,000 | $129,000 |
| Application Denied By Financial Institution | 3 | $531,000 | $177,000 | $250,000 | $147,333 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Security Financial Corp's 2005 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 United Security Financial Corp'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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