Rock Canyon Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Rock Canyon Bank 2021 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 | Rock Canyon Bank 215 W 2230 North Provo, UT 84604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 586 |
| Total Mortgage Loan Application Amount | $169,190,000 |
| Average Mortgage Loan Application Amount | $288,333 |
| Highest Mortgage Loan Application Amount | $1,955,000 |
| Average Applicant Income | $160,000 |
| Highest Applicant Income | $2,050,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Rock Canyon Bank. 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 Rock Canyon Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Rock Canyon Bank'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 Rock Canyon Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Rock Canyon Bank, 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 Rock Canyon Bank's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Utah County Utah | 228 | $ 81,080,000 | $ 355,000 | $ 153,000 |
| Millard County Utah | 62 | $ 11,750,000 | $ 189,000 | $ 80,000 |
| Washington County Utah | 42 | $ 15,170,000 | $ 361,000 | $ 226,000 |
| Salt Lake County Utah | 35 | $ 10,925,000 | $ 312,000 | $ 243,000 |
| Shelby County Tennessee | 30 | $ 4,020,000 | $ 134,000 | $ 157,000 |
| Marion County Florida | 12 | $ 2,000,000 | $ 166,000 | $ 240,000 |
| Spartanburg County South Carolina | 12 | $ 2,050,000 | $ 170,000 | $ 208,000 |
| Davis County Utah | 9 | $ 3,305,000 | $ 367,000 | $ 130,000 |
| Iron County Utah | 8 | $ 2,300,000 | $ 287,000 | $ 95,000 |
| Maricopa County Arizona | 7 | $ 1,805,000 | $ 257,000 | $ 139,000 |
| Jefferson County Alabama | 6 | $ 620,000 | $ 103,000 | $ 157,000 |
| St. Louis County Missouri | 6 | $ 550,000 | $ 91,000 | $ 91,000 |
| Marion County Indiana | 5 | $ 665,000 | $ 133,000 | $ 159,000 |
| Jackson County Missouri | 5 | $ 225,000 | $ 45,000 | $ 50,000 |
| Oklahoma County Oklahoma | 5 | $ 835,000 | $ 167,000 | $ 125,000 |
| Juab County Utah | 5 | $ 2,055,000 | $ 411,000 | $ 211,000 |
| Sevier County Utah | 5 | $ 1,425,000 | $ 285,000 | $ 104,000 |
| Polk County Florida | 4 | $ 600,000 | $ 150,000 | $ 291,000 |
| Genesee County Michigan | 4 | $ 380,000 | $ 95,000 | $ 64,000 |
| Cumberland County North Carolina | 4 | $ 440,000 | $ 110,000 | $ 76,000 |
| Rowan County North Carolina | 4 | $ 560,000 | $ 140,000 | $ 135,000 |
| Larimer County Colorado | 3 | $ 1,135,000 | $ 378,000 | $ 233,000 |
| Twin Falls County Idaho | 3 | $ 655,000 | $ 218,000 | $ 91,000 |
| Cleveland County Oklahoma | 3 | $ 455,000 | $ 151,000 | $ 134,000 |
| York County Pennsylvania | 3 | $ 455,000 | $ 151,000 | $ 585,000 |
| Tipton County Tennessee | 3 | $ 495,000 | $ 165,000 | $ 189,000 |
| Sanpete County Utah | 3 | $ 1,335,000 | $ 445,000 | $ 97,000 |
| Summit County Utah | 3 | $ 1,925,000 | $ 641,000 | $ 213,000 |
| Prince William County Virginia | 3 | $ 1,315,000 | $ 438,000 | $ 170,000 |
| Mohave County Arizona | 2 | $ 310,000 | $ 155,000 | $ 56,000 |
| Pima County Arizona | 2 | $ 530,000 | $ 265,000 | $ 131,000 |
| Hernando County Florida | 2 | $ 310,000 | $ 155,000 | $ 340,000 |
| St. Johns County Florida | 2 | $ 580,000 | $ 290,000 | $ 82,000 |
| Bonneville County Idaho | 2 | $ 630,000 | $ 315,000 | $ 219,000 |
| Sedgwick County Kansas | 2 | $ 200,000 | $ 100,000 | $ 100,000 |
| Clark County Nevada | 2 | $ 710,000 | $ 355,000 | $ 169,000 |
| Washington County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 141,000 |
| Beaver County Utah | 2 | $ 620,000 | $ 310,000 | $ 50,000 |
| Carbon County Utah | 2 | $ 320,000 | $ 160,000 | $ 91,000 |
| Wasatch County Utah | 2 | $ 530,000 | $ 265,000 | $ 83,000 |
| Anchorage County Alaska | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Pinal County Arizona | 1 | $ 195,000 | $ 195,000 | $ 121,000 |
| Orange County California | 1 | $ 365,000 | $ 365,000 | $ 280,000 |
| Sacramento County California | 1 | $ 355,000 | $ 355,000 | $ 347,000 |
| San Diego County California | 1 | $ 545,000 | $ 545,000 | $ 191,000 |
| Archuleta County Colorado | 1 | $ 155,000 | $ 155,000 | $ 227,000 |
| Douglas County Colorado | 1 | $ 345,000 | $ 345,000 | $ 81,000 |
| Duval County Florida | 1 | $ 405,000 | $ 405,000 | $ 82,000 |
| Lee County Florida | 1 | $ 165,000 | $ 165,000 | $ 124,000 |
| Miami-Dade County Florida | 1 | $ 275,000 | $ 275,000 | $ 279,000 |
| Honolulu County Hawaii | 1 | $ 825,000 | $ 825,000 | $ 303,000 |
| Ada County Idaho | 1 | $ 245,000 | $ 245,000 | $ 112,000 |
| Bannock County Idaho | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Canyon County Idaho | 1 | $ 495,000 | $ 495,000 | $ 130,000 |
| Fremont County Idaho | 1 | $ 315,000 | $ 315,000 | $ 51,000 |
| Jerome County Idaho | 1 | $ 145,000 | $ 145,000 | $ 91,000 |
| Hendricks County Indiana | 1 | $ 125,000 | $ 125,000 | $ 182,000 |
| Shelby County Indiana | 1 | $ 135,000 | $ 135,000 | $ 282,000 |
| Baltimore City County Maryland | 1 | $ 85,000 | $ 85,000 | $ 101,000 |
| Montgomery County Maryland | 1 | $ 305,000 | $ 305,000 | $ 197,000 |
| Beaverhead County Montana | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Flathead County Montana | 1 | $ 205,000 | $ 205,000 | $ 274,000 |
| Silver Bow County Montana | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Westchester County New York | 1 | $ 515,000 | $ 515,000 | $ 240,000 |
| Cuyahoga County Ohio | 1 | $ 95,000 | $ 95,000 | $ 90,000 |
| Summit County Ohio | 1 | $ 235,000 | $ 235,000 | $ 280,000 |
| Canadian County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
| Linn County Oregon | 1 | $ 405,000 | $ 405,000 | $ 300,000 |
| Greenville County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Carter County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Hamilton County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 60,000 |
| Box Elder County Utah | 1 | $ 325,000 | $ 325,000 | $ 83,000 |
| Cache County Utah | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Emery County Utah | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Morgan County Utah | 1 | $ 305,000 | $ 305,000 | $ 66,000 |
| Piute County Utah | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Rich County Utah | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Henrico County Virginia | 1 | $ 185,000 | $ 185,000 | $ 127,000 |
| Loudoun County Virginia | 1 | $ 1,825,000 | $ 1,825,000 | $ 1,581,000 |
| Clark County Washington | 1 | $ 1,135,000 | $ 1,135,000 | $ 325,000 |
| Snohomish County Washington | 1 | $ 505,000 | $ 505,000 | $ 129,000 |
| Uinta County Wyoming | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Rock Canyon Bank in 2021
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 | 227 | $67,475,000 | $297,000 | $1,825,000 | $157,000 | $1,581,000 |
| Home Purchase | 189 | $50,155,000 | $265,000 | $1,955,000 | $175,000 | $1,383,000 |
| Cash-out Refinancing | 170 | $51,560,000 | $303,000 | $1,105,000 | $148,000 | $2,050,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 509 | $143,985,000 | $282,000 | $1,355,000 | $153,000 | $2,050,000 |
| Not Provided | 40 | $12,310,000 | $307,000 | $1,825,000 | $282,000 | $1,800,000 |
| Hispanic | 15 | $3,735,000 | $249,000 | $415,000 | $61,000 | $145,000 |
| Asian | 8 | $2,240,000 | $280,000 | $555,000 | $159,000 | $300,000 |
| Not applicable | 5 | $4,625,000 | $925,000 | $1,955,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $1,070,000 | $267,000 | $395,000 | $135,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $915,000 | $305,000 | $385,000 | $99,000 | $157,000 |
| Black or African American | 1 | $175,000 | $175,000 | $175,000 | $240,000 | $240,000 |
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) | 586 | $169,190,000 | $288,000 | $1,955,000 | $160,000 | $2,050,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 534 | $155,140,000 | $290,000 | $1,955,000 | $164,000 | $2,050,000 |
| Application Withdrawn By Applicant | 21 | $5,285,000 | $251,000 | $765,000 | $111,000 | $609,000 |
| File Closed For Incompleteness | 20 | $4,790,000 | $239,000 | $475,000 | $115,000 | $546,000 |
| Application Denied By Financial Institution | 6 | $1,350,000 | $225,000 | $485,000 | $75,000 | $99,000 |
| Application Approved But Not Accepted | 5 | $2,625,000 | $525,000 | $805,000 | $160,000 | $257,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 582 | $167,920,000 | $288,000 | $1,955,000 | $157,000 | $1,800,000 |
| Not applicable | 4 | $1,270,000 | $317,000 | $645,000 | $586,000 | $2,050,000 |
| Other | 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 |
| 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 Rock Canyon Bank's 2021 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 Rock Canyon Bank'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.