Utah Financial
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Utah Financial 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Utah Financial 189 East Fort Union Blvd Midvale, UT 84047 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 780 |
| Total Mortgage Loan Application Amount | $125,124,000 |
| Average Mortgage Loan Application Amount | $157,029 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $62,558 |
| Highest Applicant Income | $484,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Utah Financial. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Utah Financial's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Utah Financial's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Utah Financial serves its applicants.
Each category highlights the total number of mortgage applications processed by Utah Financial, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Utah Financial's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Salt Lake County Utah | 143 | $ 21,876,000 | $ 152,000 | $ 44,000 |
| Clark County Nevada | 114 | $ 18,719,000 | $ 164,000 | $ 33,000 |
| Utah County Utah | 100 | $ 14,483,000 | $ 144,000 | $ 36,000 |
| Maricopa County Arizona | 26 | $ 3,936,000 | $ 151,000 | $ 51,000 |
| Pierce County Washington | 22 | $ 2,938,000 | $ 133,000 | $ 40,000 |
| Washington County Utah | 20 | $ 2,479,000 | $ 123,000 | $ 26,000 |
| King County Washington | 20 | $ 4,338,000 | $ 216,000 | $ 22,000 |
| San Diego County California | 18 | $ 4,750,000 | $ 263,000 | $ 65,000 |
| Davis County Utah | 16 | $ 3,072,000 | $ 192,000 | $ 51,000 |
| Pima County Arizona | 14 | $ 1,492,000 | $ 106,000 | $ 13,000 |
| Weber County Utah | 14 | $ 1,651,000 | $ 117,000 | $ 12,000 |
| Ada County Idaho | 12 | $ 1,426,000 | $ 118,000 | $ 78,000 |
| Los Angeles County California | 11 | $ 2,955,000 | $ 268,000 | $ 71,000 |
| Bernalillo County New Mexico | 11 | $ 1,888,000 | $ 171,000 | $ 47,000 |
| Snohomish County Washington | 11 | $ 1,740,000 | $ 158,000 | $ 33,000 |
| Orange County California | 9 | $ 2,202,000 | $ 244,000 | $ 90,000 |
| Box Elder County Utah | 9 | $ 981,000 | $ 109,000 | $ 0 |
| Tooele County Utah | 7 | $ 710,000 | $ 101,000 | $ 0 |
| Clark County Washington | 7 | $ 1,040,000 | $ 148,000 | $ 94,000 |
| Mohave County Arizona | 6 | $ 529,000 | $ 88,000 | $ 64,000 |
| Riverside County California | 6 | $ 813,000 | $ 135,000 | $ 50,000 |
| Santa Clara County California | 5 | $ 1,566,000 | $ 313,000 | $ 65,000 |
| Dallas County Texas | 5 | $ 930,000 | $ 186,000 | $ 40,000 |
| Harris County Texas | 5 | $ 706,000 | $ 141,000 | $ 58,000 |
| Anchorage County Alaska | 4 | $ 725,000 | $ 181,000 | $ 115,000 |
| Bexar County Texas | 4 | $ 450,000 | $ 112,000 | $ 52,000 |
| Collin County Texas | 4 | $ 715,000 | $ 178,000 | $ 62,000 |
| Contra Costa County California | 3 | $ 863,000 | $ 287,000 | $ 63,000 |
| San Bernardino County California | 3 | $ 749,000 | $ 249,000 | $ 197,000 |
| Ventura County California | 3 | $ 1,013,000 | $ 337,000 | $ 85,000 |
| Mesa County Colorado | 3 | $ 331,000 | $ 110,000 | $ 15,000 |
| Seminole County Florida | 3 | $ 320,000 | $ 106,000 | $ 76,000 |
| Dona Ana County New Mexico | 3 | $ 417,000 | $ 139,000 | $ 63,000 |
| Multnomah County Oregon | 3 | $ 393,000 | $ 131,000 | $ 18,000 |
| Brazos County Texas | 3 | $ 443,000 | $ 147,000 | $ 62,000 |
| Tarrant County Texas | 3 | $ 401,000 | $ 133,000 | $ 97,000 |
| Iron County Utah | 3 | $ 540,000 | $ 180,000 | $ 70,000 |
| Kitsap County Washington | 3 | $ 494,000 | $ 164,000 | $ 75,000 |
| Spokane County Washington | 3 | $ 319,000 | $ 106,000 | $ 0 |
| Monterey County California | 2 | $ 671,000 | $ 335,000 | $ 89,000 |
| Placer County California | 2 | $ 634,000 | $ 317,000 | $ 31,000 |
| Sacramento County California | 2 | $ 438,000 | $ 219,000 | $ 107,000 |
| San Francisco County California | 2 | $ 409,000 | $ 204,000 | $ 20,000 |
| San Joaquin County California | 2 | $ 498,000 | $ 249,000 | $ 115,000 |
| Denver County Colorado | 2 | $ 435,000 | $ 217,000 | $ 30,000 |
| Hillsborough County Florida | 2 | $ 183,000 | $ 91,000 | $ 44,000 |
| Cobb County Georgia | 2 | $ 233,000 | $ 116,000 | $ 30,000 |
| Fayette County Georgia | 2 | $ 346,000 | $ 173,000 | $ 117,000 |
| Blaine County Idaho | 2 | $ 814,000 | $ 407,000 | $ 0 |
| Marion County Indiana | 2 | $ 167,000 | $ 83,000 | $ 76,000 |
| St. Joseph County Indiana | 2 | $ 207,000 | $ 103,000 | $ 79,000 |
| Washoe County Nevada | 2 | $ 289,000 | $ 144,000 | $ 73,000 |
| Deschutes County Oregon | 2 | $ 400,000 | $ 200,000 | $ 127,000 |
| Lane County Oregon | 2 | $ 281,000 | $ 140,000 | $ 30,000 |
| Washington County Oregon | 2 | $ 416,000 | $ 208,000 | $ 83,000 |
| Knox County Tennessee | 2 | $ 325,000 | $ 162,000 | $ 21,000 |
| Fort Bend County Texas | 2 | $ 192,000 | $ 96,000 | $ 54,000 |
| Lubbock County Texas | 2 | $ 186,000 | $ 93,000 | $ 110,000 |
| Travis County Texas | 2 | $ 324,000 | $ 162,000 | $ 0 |
| Cache County Utah | 2 | $ 212,000 | $ 106,000 | $ 14,000 |
| Pinal County Arizona | 1 | $ 95,000 | $ 95,000 | $ 117,000 |
| Yavapai County Arizona | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Alameda County California | 1 | $ 175,000 | $ 175,000 | $ 35,000 |
| San Mateo County California | 1 | $ 647,000 | $ 647,000 | $ 444,000 |
| Santa Cruz County California | 1 | $ 333,000 | $ 333,000 | $ 62,000 |
| Shasta County California | 1 | $ 270,000 | $ 270,000 | $ 70,000 |
| Sonoma County California | 1 | $ 327,000 | $ 327,000 | $ 80,000 |
| Stanislaus County California | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Tulare County California | 1 | $ 170,000 | $ 170,000 | $ 72,000 |
| Arapahoe County Colorado | 1 | $ 140,000 | $ 140,000 | $ 308,000 |
| Broomfield County Colorado | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Douglas County Colorado | 1 | $ 225,000 | $ 225,000 | $ 218,000 |
| Brevard County Florida | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| Duval County Florida | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Lake County Florida | 1 | $ 113,000 | $ 113,000 | $ 46,000 |
| Marion County Florida | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Pasco County Florida | 1 | $ 87,000 | $ 87,000 | $ 76,000 |
| Sarasota County Florida | 1 | $ 250,000 | $ 250,000 | $ 85,000 |
| Barrow County Georgia | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Catoosa County Georgia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Cherokee County Georgia | 1 | $ 152,000 | $ 152,000 | $ 94,000 |
| DeKalb County Georgia | 1 | $ 240,000 | $ 240,000 | $ 216,000 |
| Douglas County Georgia | 1 | $ 90,000 | $ 90,000 | $ 34,000 |
| Gwinnett County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Jackson County Georgia | 1 | $ 145,000 | $ 145,000 | $ 117,000 |
| Muscogee County Georgia | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Newton County Georgia | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Spalding County Georgia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Adams County Idaho | 1 | $ 97,000 | $ 97,000 | $ 40,000 |
| Bonneville County Idaho | 1 | $ 157,000 | $ 157,000 | $ 84,000 |
| Canyon County Idaho | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Madison County Idaho | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Twin Falls County Idaho | 1 | $ 120,000 | $ 120,000 | $ 70,000 |
| Clinton County Indiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Vigo County Indiana | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 180,000 | $ 180,000 | $ 63,000 |
| Jackson County Missouri | 1 | $ 118,000 | $ 118,000 | $ 115,000 |
| St. Charles County Missouri | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| St. Louis County Missouri | 1 | $ 182,000 | $ 182,000 | $ 75,000 |
| Yellowstone County Montana | 1 | $ 122,000 | $ 122,000 | $ 138,000 |
| Douglas County Nevada | 1 | $ 240,000 | $ 240,000 | $ 83,000 |
| Otero County New Mexico | 1 | $ 97,000 | $ 97,000 | $ 88,000 |
| Sandoval County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Valencia County New Mexico | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 202,000 | $ 202,000 | $ 66,000 |
| Douglas County Oregon | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jackson County Oregon | 1 | $ 188,000 | $ 188,000 | $ 48,000 |
| Josephine County Oregon | 1 | $ 143,000 | $ 143,000 | $ 176,000 |
| Malheur County Oregon | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Marion County Oregon | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Dyer County Tennessee | 1 | $ 188,000 | $ 188,000 | $ 73,000 |
| Franklin County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 125,000 |
| Madison County Tennessee | 1 | $ 151,000 | $ 151,000 | $ 60,000 |
| Shelby County Tennessee | 1 | $ 210,000 | $ 210,000 | $ 44,000 |
| Williamson County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 96,000 |
| Brazoria County Texas | 1 | $ 104,000 | $ 104,000 | $ 64,000 |
| Cameron County Texas | 1 | $ 216,000 | $ 216,000 | $ 264,000 |
| Comal County Texas | 1 | $ 168,000 | $ 168,000 | $ 138,000 |
| Denton County Texas | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Gregg County Texas | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Montgomery County Texas | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Nueces County Texas | 1 | $ 119,000 | $ 119,000 | $ 63,000 |
| Polk County Texas | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Potter County Texas | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Walker County Texas | 1 | $ 56,000 | $ 56,000 | $ 58,000 |
| Ward County Texas | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Wilson County Texas | 1 | $ 171,000 | $ 171,000 | $ 69,000 |
| Beaver County Utah | 1 | $ 98,000 | $ 98,000 | $ 35,000 |
| Duchesne County Utah | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Garfield County Utah | 1 | $ 83,000 | $ 83,000 | $ 29,000 |
| Millard County Utah | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Sanpete County Utah | 1 | $ 38,000 | $ 38,000 | $ 74,000 |
| Summit County Utah | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Cowlitz County Washington | 1 | $ 131,000 | $ 131,000 | $ 64,000 |
| Skagit County Washington | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Thurston County Washington | 1 | $ 180,000 | $ 180,000 | $ 0 |
Mortgage Loan Application Detail Totals for Utah Financial in 2004
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 | 574 | $92,863,000 | $157,058 | $900,000 | $62,235 | $484,000 |
| Home Purchase | 206 | $32,261,000 | $157,000 | $550,000 | $62,882 | $264,000 |
| 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 | 397 | $62,400,000 | $147,894 | $900,000 | $80,263 | $484,000 |
| Not Provided | 233 | $40,131,000 | $175,200 | $707,000 | $26,133 | $444,000 |
| Hispanic | 103 | $14,275,000 | $152,142 | $400,000 | $34,571 | $125,000 |
| Asian | 26 | $5,220,000 | $179,600 | $550,000 | $96,500 | $216,000 |
| Black or African American | 16 | $2,245,000 | $129,777 | $274,000 | $41,888 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $541,000 | $206,500 | $285,000 | $30,500 | $61,000 |
| American Indian or Alaskan Native | 2 | $312,000 | $156,000 | $181,000 | $24,000 | $48,000 |
| 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) | 450 | $82,595,000 | $167,777 | $900,000 | $73,055 | $484,000 |
| FHA-insured (Federal Housing Administration) | 330 | $42,529,000 | $122,166 | $242,000 | $7,583 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 477 | $76,112,000 | $152,222 | $707,000 | $79,944 | $444,000 |
| File Closed For Incompleteness | 178 | $28,367,000 | $170,466 | $625,000 | $2,733 | $225,000 |
| Application Withdrawn By Applicant | 103 | $16,412,000 | $161,187 | $900,000 | $82,437 | $484,000 |
| Application Denied By Financial Institution | 21 | $4,127,000 | $224,833 | $556,000 | $75,500 | $129,000 |
| Preapproval Approved but not Accepted | 1 | $106,000 | $106,000 | $106,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $811,000 | $111,000 | $194,000 | $55,000 | $87,000 |
| Credit History | 2 | $213,000 | $106,000 | $108,000 | $32,000 | $37,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $125,000 | $125,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 Utah Financial's 2004 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 Utah Financial'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.