Utah Financial
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Utah Financial 2005 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 | 581 |
| Total Mortgage Loan Application Amount | $115,075,000 |
| Average Mortgage Loan Application Amount | $204,297 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $79,459 |
| Highest Applicant Income | $2,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 133 | $ 22,462,000 | $ 168,000 | $ 60,000 |
| Utah County Utah | 97 | $ 16,460,000 | $ 169,000 | $ 62,000 |
| Maricopa County Arizona | 46 | $ 10,968,000 | $ 238,000 | $ 93,000 |
| Davis County Utah | 24 | $ 3,714,000 | $ 154,000 | $ 58,000 |
| Los Angeles County California | 18 | $ 5,507,000 | $ 305,000 | $ 99,000 |
| Clark County Nevada | 18 | $ 3,583,000 | $ 199,000 | $ 88,000 |
| Ada County Idaho | 15 | $ 1,639,000 | $ 109,000 | $ 29,000 |
| Weber County Utah | 12 | $ 1,939,000 | $ 161,000 | $ 45,000 |
| Bernalillo County New Mexico | 9 | $ 1,751,000 | $ 194,000 | $ 55,000 |
| Orange County California | 8 | $ 3,689,000 | $ 461,000 | $ 143,000 |
| Washington County Utah | 7 | $ 999,000 | $ 142,000 | $ 114,000 |
| Sacramento County California | 6 | $ 1,697,000 | $ 282,000 | $ 112,000 |
| San Diego County California | 6 | $ 1,938,000 | $ 323,000 | $ 112,000 |
| Washington County Oregon | 6 | $ 1,597,000 | $ 266,000 | $ 73,000 |
| King County Washington | 6 | $ 2,109,000 | $ 351,000 | $ 117,000 |
| Riverside County California | 5 | $ 1,626,000 | $ 325,000 | $ 100,000 |
| Box Elder County Utah | 5 | $ 691,000 | $ 138,000 | $ 46,000 |
| Hillsborough County Florida | 4 | $ 604,000 | $ 151,000 | $ 52,000 |
| Harris County Texas | 4 | $ 790,000 | $ 197,000 | $ 71,000 |
| Clark County Washington | 4 | $ 1,272,000 | $ 318,000 | $ 252,000 |
| Pierce County Washington | 4 | $ 542,000 | $ 135,000 | $ 50,000 |
| Kern County California | 3 | $ 708,000 | $ 236,000 | $ 86,000 |
| Boulder County Colorado | 3 | $ 1,027,000 | $ 342,000 | $ 118,000 |
| Jefferson County Colorado | 3 | $ 869,000 | $ 289,000 | $ 92,000 |
| Clackamas County Oregon | 3 | $ 497,000 | $ 165,000 | $ 50,000 |
| Shelby County Tennessee | 3 | $ 346,000 | $ 115,000 | $ 0 |
| Collin County Texas | 3 | $ 365,000 | $ 121,000 | $ 104,000 |
| Tooele County Utah | 3 | $ 346,000 | $ 115,000 | $ 43,000 |
| Wasatch County Utah | 3 | $ 362,000 | $ 120,000 | $ 52,000 |
| Pima County Arizona | 2 | $ 486,000 | $ 243,000 | $ 51,000 |
| Pinal County Arizona | 2 | $ 305,000 | $ 152,000 | $ 45,000 |
| Contra Costa County California | 2 | $ 650,000 | $ 325,000 | $ 98,000 |
| San Bernardino County California | 2 | $ 792,000 | $ 396,000 | $ 90,000 |
| Santa Clara County California | 2 | $ 759,000 | $ 379,000 | $ 105,000 |
| Santa Cruz County California | 2 | $ 1,018,000 | $ 509,000 | $ 120,000 |
| Douglas County Colorado | 2 | $ 727,000 | $ 363,000 | $ 174,000 |
| Seminole County Florida | 2 | $ 155,000 | $ 77,000 | $ 90,000 |
| Daviess County Kentucky | 2 | $ 224,000 | $ 112,000 | $ 0 |
| Davidson County Tennessee | 2 | $ 172,000 | $ 86,000 | $ 0 |
| Knox County Tennessee | 2 | $ 432,000 | $ 216,000 | $ 64,000 |
| Madison County Tennessee | 2 | $ 176,000 | $ 88,000 | $ 0 |
| Rutherford County Tennessee | 2 | $ 341,000 | $ 170,000 | $ 39,000 |
| Bexar County Texas | 2 | $ 333,000 | $ 166,000 | $ 65,000 |
| Dallas County Texas | 2 | $ 145,000 | $ 72,000 | $ 68,000 |
| Tarrant County Texas | 2 | $ 220,000 | $ 110,000 | $ 44,000 |
| Cache County Utah | 2 | $ 182,000 | $ 91,000 | $ 96,000 |
| Iron County Utah | 2 | $ 352,000 | $ 176,000 | $ 54,000 |
| Summit County Utah | 2 | $ 2,112,000 | $ 1,056,000 | $ 284,000 |
| Clallam County Washington | 2 | $ 501,000 | $ 250,000 | $ 83,000 |
| Snohomish County Washington | 2 | $ 468,000 | $ 234,000 | $ 114,000 |
| Spokane County Washington | 2 | $ 377,000 | $ 188,000 | $ 35,000 |
| Anchorage County Alaska | 1 | $ 630,000 | $ 630,000 | $ 264,000 |
| Cochise County Arizona | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Coconino County Arizona | 1 | $ 200,000 | $ 200,000 | $ 39,000 |
| El Dorado County California | 1 | $ 167,000 | $ 167,000 | $ 97,000 |
| Nevada County California | 1 | $ 160,000 | $ 160,000 | $ 35,000 |
| San Joaquin County California | 1 | $ 172,000 | $ 172,000 | $ 72,000 |
| San Luis Obispo County California | 1 | $ 298,000 | $ 298,000 | $ 105,000 |
| Solano County California | 1 | $ 360,000 | $ 360,000 | $ 87,000 |
| Ventura County California | 1 | $ 350,000 | $ 350,000 | $ 78,000 |
| Arapahoe County Colorado | 1 | $ 300,000 | $ 300,000 | $ 240,000 |
| Broomfield County Colorado | 1 | $ 259,000 | $ 259,000 | $ 164,000 |
| El Paso County Colorado | 1 | $ 624,000 | $ 624,000 | $ 233,000 |
| Huerfano County Colorado | 1 | $ 136,000 | $ 136,000 | $ 49,000 |
| Pueblo County Colorado | 1 | $ 215,000 | $ 215,000 | $ 147,000 |
| Monroe County Florida | 1 | $ 279,000 | $ 279,000 | $ 220,000 |
| Okaloosa County Florida | 1 | $ 160,000 | $ 160,000 | $ 25,000 |
| Orange County Florida | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Polk County Florida | 1 | $ 247,000 | $ 247,000 | $ 93,000 |
| Volusia County Florida | 1 | $ 288,000 | $ 288,000 | $ 100,000 |
| Cherokee County Georgia | 1 | $ 248,000 | $ 248,000 | $ 63,000 |
| Clayton County Georgia | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Columbia County Georgia | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Fulton County Georgia | 1 | $ 120,000 | $ 120,000 | $ 120,000 |
| Gwinnett County Georgia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Paulding County Georgia | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Hawaii County Hawaii | 1 | $ 206,000 | $ 206,000 | $ 147,000 |
| Bonneville County Idaho | 1 | $ 74,000 | $ 74,000 | $ 36,000 |
| Canyon County Idaho | 1 | $ 94,000 | $ 94,000 | $ 63,000 |
| Nez Perce County Idaho | 1 | $ 240,000 | $ 240,000 | $ 81,000 |
| Twin Falls County Idaho | 1 | $ 359,000 | $ 359,000 | $ 300,000 |
| Porter County Indiana | 1 | $ 150,000 | $ 150,000 | $ 82,000 |
| Posey County Indiana | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| Carroll County Kentucky | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Barry County Missouri | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Clay County Missouri | 1 | $ 126,000 | $ 126,000 | $ 33,000 |
| Platte County Missouri | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| St. Louis City County Missouri | 1 | $ 109,000 | $ 109,000 | $ 34,000 |
| Flathead County Montana | 1 | $ 302,000 | $ 302,000 | $ 96,000 |
| Carson City County Nevada | 1 | $ 299,000 | $ 299,000 | $ 67,000 |
| Washoe County Nevada | 1 | $ 283,000 | $ 283,000 | $ 40,000 |
| Deschutes County Oregon | 1 | $ 360,000 | $ 360,000 | $ 243,000 |
| Hood River County Oregon | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Lane County Oregon | 1 | $ 140,000 | $ 140,000 | $ 189,000 |
| Linn County Oregon | 1 | $ 210,000 | $ 210,000 | $ 79,000 |
| Aiken County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Laurens County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Orangeburg County South Carolina | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Cheatham County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Gibson County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Hamilton County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Hawkins County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 77,000 |
| Jefferson County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Marshall County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Obion County Tennessee | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Wilson County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Brazoria County Texas | 1 | $ 67,000 | $ 67,000 | $ 14,000 |
| Denton County Texas | 1 | $ 266,000 | $ 266,000 | $ 186,000 |
| Galveston County Texas | 1 | $ 236,000 | $ 236,000 | $ 174,000 |
| Hardin County Texas | 1 | $ 231,000 | $ 231,000 | $ 87,000 |
| Parker County Texas | 1 | $ 502,000 | $ 502,000 | $ 240,000 |
| Smith County Texas | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Van Zandt County Texas | 1 | $ 116,000 | $ 116,000 | $ 60,000 |
| Williamson County Texas | 1 | $ 25,000 | $ 25,000 | $ 131,000 |
| Juab County Utah | 1 | $ 100,000 | $ 100,000 | $ 27,000 |
| Sanpete County Utah | 1 | $ 71,000 | $ 71,000 | $ 97,000 |
| Chelan County Washington | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Kitsap County Washington | 1 | $ 240,000 | $ 240,000 | $ 72,000 |
| Kittitas County Washington | 1 | $ 160,000 | $ 160,000 | $ 65,000 |
| Whatcom County Washington | 1 | $ 183,000 | $ 183,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Utah Financial 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 |
|---|---|---|---|---|---|---|
| Refinancing | 326 | $65,913,000 | $211,842 | $1,900,000 | $71,315 | $468,000 |
| Home Purchase | 253 | $48,779,000 | $196,937 | $1,000,000 | $87,687 | $2,400,000 |
| Home Improvement | 2 | $383,000 | $191,500 | $350,000 | $91,000 | $120,000 |
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 | 398 | $80,903,000 | $198,789 | $1,900,000 | $71,736 | $2,400,000 |
| Hispanic | 98 | $15,367,000 | $156,928 | $634,000 | $60,500 | $220,000 |
| Asian | 40 | $8,470,000 | $201,666 | $600,000 | $78,888 | $255,000 |
| Not Provided | 30 | $7,775,000 | $245,600 | $616,000 | $98,900 | $240,000 |
| Black or African American | 12 | $2,229,000 | $211,375 | $630,000 | $82,375 | $285,000 |
| American Indian or Alaskan Native | 2 | $203,000 | $101,000 | $107,000 | $22,000 | $24,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $128,000 | $128,000 | $128,000 | $38,000 | $38,000 |
| 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) | 463 | $99,743,000 | $228,210 | $1,900,000 | $97,947 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 102 | $13,133,000 | $129,166 | $255,000 | $22,666 | $444,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,199,000 | $109,000 | $236,000 | $4,750 | $55,000 |
| 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 | 391 | $77,920,000 | $196,055 | $1,000,000 | $68,055 | $2,400,000 |
| Application Withdrawn By Applicant | 140 | $27,478,000 | $197,684 | $1,900,000 | $75,315 | $468,000 |
| Application Denied By Financial Institution | 32 | $6,061,000 | $185,888 | $1,000,000 | $64,555 | $357,000 |
| Loan Purchased By The Institution | 18 | $3,616,000 | $231,000 | $624,000 | $104,500 | $233,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Other | 13 | $1,974,000 | $142,500 | $368,000 | $58,666 | $357,000 |
| Debt-To-Income Ratio | 8 | $1,655,000 | $207,333 | $634,000 | $48,666 | $145,000 |
| Collateral | 4 | $1,561,000 | $390,250 | $1,000,000 | $103,250 | $180,000 |
| Credit History | 3 | $377,000 | $137,000 | $172,000 | $42,000 | $55,000 |
| Unverifiable Information | 2 | $249,000 | $124,500 | $136,000 | $44,000 | $51,000 |
| Employment History | 2 | $245,000 | $122,500 | $123,000 | $54,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Utah Financial'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 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.