United Security Financial Corp Mortgage Lending & HMDA Data, 2019
In 2019, United Security Financial Corp of Murray, UT reported 786 mortgage applications totaling $204.4 million, down 57% from 2018. The average application was for $260,076, and applicants reported an average income of $18,900. 66% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Salt Lake City, UT (68), Phoenix-Mesa-Scottsdale, AZ (60) and Atlanta-Sandy Springs-Roswell, GA (53) (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 | 786 |
| Total Mortgage Loan Application Amount | $204,420,000 |
| Average Mortgage Loan Application Amount | $260,076 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $18,900 |
| Highest Applicant Income | $354,000 |
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records United Security Financial Corp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 68 | $ 19,360,000 | $ 284,705 | $ 62,000 |
| Phoenix-Mesa-Scottsdale, AZ | 60 | $ 13,840,000 | $ 230,666 | $ 5,000 |
| Outside any metro area | 56 | $ 14,060,000 | $ 251,071 | $ 8,839 |
| Atlanta-Sandy Springs-Roswell, GA | 53 | $ 11,335,000 | $ 213,867 | $ 38,000 |
| Ogden-Clearfield, UT | 29 | $ 6,815,000 | $ 235,000 | $ 35,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 26 | $ 8,830,000 | $ 339,615 | $ 24,307 |
| Las Vegas-Henderson-Paradise, NV | 18 | $ 4,830,000 | $ 268,333 | $ 4,000 |
| Riverside-San Bernardino-Ontario, CA | 17 | $ 4,875,000 | $ 286,764 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 3,610,000 | $ 225,625 | $ 14,000 |
| Provo-Orem, UT | 15 | $ 4,575,000 | $ 305,000 | $ 39,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 14 | $ 4,940,000 | $ 352,857 | $ 0 |
| Colorado Springs, CO | 11 | $ 3,095,000 | $ 281,363 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 2,705,000 | $ 245,909 | $ 4,363 |
| Columbus, OH | 10 | $ 1,940,000 | $ 194,000 | $ 0 |
| Dallas-Plano-Irving, TX | 10 | $ 2,460,000 | $ 246,000 | $ 55,000 |
| Tacoma-Lakewood, WA | 10 | $ 3,380,000 | $ 338,000 | $ 0 |
| Jacksonville, FL | 9 | $ 1,875,000 | $ 208,333 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 2,105,000 | $ 233,888 | $ 0 |
| Salem, OR | 9 | $ 2,395,000 | $ 266,111 | $ 0 |
| Fort Worth-Arlington, TX | 8 | $ 1,930,000 | $ 241,250 | $ 60,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 2,390,000 | $ 298,750 | $ 51,000 |
| San Antonio-New Braunfels, TX | 8 | $ 1,890,000 | $ 236,250 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 2,100,000 | $ 262,500 | $ 24,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 1,895,000 | $ 270,714 | $ 30,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,805,000 | $ 257,857 | $ 7,000 |
| Spokane-Spokane Valley, WA | 7 | $ 1,785,000 | $ 255,000 | $ 0 |
| Tucson, AZ | 7 | $ 1,295,000 | $ 185,000 | $ 11,000 |
| Baltimore-Columbia-Towson, MD | 6 | $ 1,360,000 | $ 226,666 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,370,000 | $ 228,333 | $ 8,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 2,030,000 | $ 338,333 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 960,000 | $ 160,000 | $ 8,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 2,910,000 | $ 485,000 | $ 38,000 |
| Raleigh, NC | 6 | $ 1,920,000 | $ 320,000 | $ 53,000 |
| Anchorage, AK | 5 | $ 1,575,000 | $ 315,000 | $ 0 |
| Bakersfield, CA | 5 | $ 1,235,000 | $ 247,000 | $ 18,000 |
| Boise City, ID | 5 | $ 1,305,000 | $ 261,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,235,000 | $ 247,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,335,000 | $ 267,000 | $ 9,000 |
| Fresno, CA | 5 | $ 1,195,000 | $ 239,000 | $ 0 |
| Stockton-Lodi, CA | 5 | $ 1,385,000 | $ 277,000 | $ 10,000 |
| Albuquerque, NM | 4 | $ 830,000 | $ 207,500 | $ 0 |
| Chattanooga, TN-GA | 4 | $ 950,000 | $ 237,500 | $ 0 |
| Hanford-Corcoran, CA | 4 | $ 980,000 | $ 245,000 | $ 0 |
| Kansas City, MO-KS | 4 | $ 880,000 | $ 220,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,380,000 | $ 345,000 | $ 0 |
| Memphis, TN-MS-AR | 4 | $ 1,060,000 | $ 265,000 | $ 39,000 |
| Olympia-Tumwater, WA | 4 | $ 990,000 | $ 247,500 | $ 0 |
| Port St. Lucie, FL | 4 | $ 1,230,000 | $ 307,500 | $ 32,000 |
| Richmond, VA | 4 | $ 890,000 | $ 222,500 | $ 9,000 |
| San Diego-Carlsbad, CA | 4 | $ 1,680,000 | $ 420,000 | $ 55,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,350,000 | $ 337,500 | $ 0 |
| Washington-Baltimore-Arlington, DC | 4 | $ 1,050,000 | $ 262,500 | $ 40,000 |
| Birmingham-Hoover, AL | 3 | $ 815,000 | $ 271,666 | $ 0 |
| Bremerton-Silverdale, WA | 3 | $ 745,000 | $ 248,333 | $ 0 |
| Dayton-Springfield-Kettering, OH | 3 | $ 905,000 | $ 301,666 | $ 50,000 |
| Elgin, IL | 3 | $ 845,000 | $ 281,666 | $ 16,000 |
| Greeley, CO | 3 | $ 985,000 | $ 328,333 | $ 0 |
| Killeen-Temple, TX | 3 | $ 845,000 | $ 281,666 | $ 0 |
| Merced, CA | 3 | $ 695,000 | $ 231,666 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 725,000 | $ 241,666 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,935,000 | $ 645,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 875,000 | $ 291,666 | $ 0 |
| Panama City, FL | 3 | $ 625,000 | $ 208,333 | $ 62,000 |
| Reno, NV | 3 | $ 665,000 | $ 221,666 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 975,000 | $ 325,000 | $ 0 |
| Vallejo-Fairfield, CA | 3 | $ 985,000 | $ 328,333 | $ 24,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 795,000 | $ 265,000 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 500,000 | $ 250,000 | $ 163,000 |
| Chicago-Naperville, IL | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Cleveland-Elyria, OH | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Coeur D'Alene, ID | 2 | $ 630,000 | $ 315,000 | $ 0 |
| Corpus Christi, TX | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Duluth, MN-WI | 2 | $ 760,000 | $ 380,000 | $ 0 |
| Fort Collins, CO | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 640,000 | $ 320,000 | $ 0 |
| Knoxville, TN | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Lakeland-Winter Haven, FL | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Las Cruces, NM | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Longview, WA | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Pueblo, CO | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Sebastian-Vero Beach, FL | 2 | $ 590,000 | $ 295,000 | $ 0 |
| St. Louis, MO-IL | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Visalia-Porterville, CA | 2 | $ 490,000 | $ 245,000 | $ 60,000 |
| Warner Robins, GA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Wichita, KS | 2 | $ 430,000 | $ 215,000 | $ 0 |
| York-Hanover, PA | 2 | $ 620,000 | $ 310,000 | $ 71,000 |
| Yuma, AZ | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Albany, OR | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Bellingham, WA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Columbia, MO | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Columbia, SC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Decatur, AL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Durham-Chapel Hill, NC | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| El Centro, CA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Eugene, OR | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Fayetteville, NC | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Flint, MI | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Florence, SC | 1 | $ 275,000 | $ 275,000 | $ 59,000 |
| Florence-Muscle Shoals, AL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Gadsden, AL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Gainesville, GA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Green Bay, WI | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 145,000 | $ 145,000 | $ 95,000 |
| Harrisburg-Carlisle, PA | 1 | $ 195,000 | $ 195,000 | $ 32,000 |
| Homosassa Springs, FL | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Jacksonville, NC | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Kennewick-Richland, WA | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lafayette, LA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Madera, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Missoula, MT | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Modesto, CA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Muncie, IN | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Muskegon, MI | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| New Haven-Milford, CT | 1 | $ 485,000 | $ 485,000 | $ 179,000 |
| New York-Newark, NY | 1 | $ 225,000 | $ 225,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Norwich-New London, CT | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Peoria, IL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 85,000 | $ 85,000 | $ 81,000 |
| Portland-South Portland, ME | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Prescott Valley-Prescott, AZ | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Rochester, MN | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Saginaw, MI | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Savannah, GA | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Spartanburg, SC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Springfield, MO | 1 | $ 195,000 | $ 195,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Staunton-Waynesboro, VA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Tallahassee, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 235,000 | $ 235,000 | $ 0 |
| The Villages, FL | 1 | $ 205,000 | $ 205,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for United Security Financial Corp in 2019
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 | 345 | $89,685,000 | $259,000 | $655,000 | $9,000 | $170,000 |
| Home Purchase | 223 | $53,975,000 | $242,000 | $705,000 | $51,000 | $354,000 |
| Not Applicable | 212 | $58,830,000 | $277,000 | $665,000 | $0 | $96,000 |
| Cash-out Refinancing | 6 | $1,930,000 | $321,000 | $805,000 | $63,000 | $193,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 492 | $128,510,000 | $261,000 | $645,000 | $15,000 | $321,000 |
| Black or African American | 159 | $41,205,000 | $259,000 | $805,000 | $39,000 | $354,000 |
| Hispanic | 77 | $19,965,000 | $259,000 | $665,000 | $16,000 | $131,000 |
| Not Provided | 41 | $10,355,000 | $252,000 | $405,000 | $10,000 | $97,000 |
| Asian | 9 | $2,385,000 | $265,000 | $365,000 | $21,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $940,000 | $235,000 | $265,000 | $37,000 | $103,000 |
| American Indian or Alaskan Native | 3 | $805,000 | $268,000 | $345,000 | $29,000 | $89,000 |
| Not applicable | 1 | $255,000 | $255,000 | $255,000 | $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) | 464 | $127,900,000 | $275,000 | $665,000 | $5,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 268 | $60,680,000 | $226,000 | $655,000 | $28,000 | $321,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 54 | $15,840,000 | $293,000 | $805,000 | $93,000 | $354,000 |
| 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 | 516 | $137,090,000 | $265,000 | $645,000 | $22,000 | $354,000 |
| Application Withdrawn By Applicant | 259 | $64,915,000 | $250,000 | $805,000 | $14,000 | $193,000 |
| Application Denied By Financial Institution | 5 | $1,025,000 | $205,000 | $315,000 | $45,000 | $91,000 |
| File Closed For Incompleteness | 3 | $615,000 | $205,000 | $345,000 | $21,000 | $63,000 |
| Preapproval Approved but not Accepted | 2 | $520,000 | $260,000 | $345,000 | $109,000 | $130,000 |
| Loan Purchased By The Institution | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 781 | $203,395,000 | $260,000 | $805,000 | $20,000 | $354,000 |
| Collateral | 2 | $380,000 | $190,000 | $205,000 | $64,000 | $91,000 |
| Debt-To-Income Ratio | 2 | $510,000 | $255,000 | $315,000 | $49,000 | $67,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Security Financial Corp's 2019 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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