Millard County, UT Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 567 mortgage applications in Millard County, UT totaling $124.7 million, up 11% from 2024. The average application was for $219,000, and applicants reported an average income of $112,000. 61% of applications resulted in an originated loan and 12% were denied. The most active lender was State Bank of Southern Utah, with 96 applications, followed by United Wholesale Mortgage and Zions Bancorporation, N.A..
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| Years | 2025 2024 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 | 567 |
| Total Mortgage Loan Application Amount | $124,715,000 |
| Average Mortgage Loan Application Amount | $219,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $1,300,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ n/a | 96 | $ 18,340,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 54 | $ 16,160,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 46 | $ 6,110,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 32 | $ 5,500,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ n/a | 27 | $ 6,795,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 19 | $ 5,155,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ n/a | 18 | $ 1,770,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 16 | $ 3,760,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 13 | $ 3,665,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 13 | $ 2,235,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 8 | $ 1,330,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 8 | $ 630,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 8 | $ 2,530,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 6 | $ 1,770,000 |
| Security Home Mortgage 576 SOUTH STATE STREET OREM, UT 84058 |
* | $ n/a | 6 | $ 1,330,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 710,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 2,170,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 5 | $ 285,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ n/a | 5 | $ 1,815,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 5 | $ 1,265,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 995,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 5 | $ 935,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 470,000 |
| Utah Community Credit Union 188 WEST RIVER PARK DRIVE PROVO, UT 84604 |
* | $ n/a | 4 | $ 860,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 645,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 3 | $ 1,355,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 3 | $ 1,205,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 3 | $ 715,000 |
| Direct Rate Home Loans, Inc 6985 S UNION PARK CENTER #150 COTTON HEIGHTS, UT 84047 |
* | $ n/a | 3 | $ 905,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 1,395,000 |
| City Lending Inc. 8150 LEESBURG PIKE SUITE 405 VIENNA, VA 22182 |
* | $ n/a | 3 | $ 765,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 3 | $ 665,000 |
| Granite Federal Credit Union 3675 S 900 E SALT LAKE CITY, UT 84106 |
* | $ n/a | 3 | $ 295,000 |
| My Move Mortgage, LLC MY MOVE MORTGAGE, LLC SANDY, UT 84070 |
* | $ n/a | 3 | $ 705,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ n/a | 2 | $ 690,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 410,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 220,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 660,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 310,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 230,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ n/a | 2 | $ 560,000 |
| Sun American Mortgage Company 4140 E. BASELINE RD., #206 MESA, AZ 85206 |
* | $ n/a | 2 | $ 320,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 2 | $ 320,000 |
| Residential Wholesale Mortgage 11234 EL CAMINO REAL #100 SAN DIEGO, CA 92130 |
* | $ n/a | 2 | $ 270,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 2 | $ 740,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ n/a | 2 | $ 460,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 2 | $ 590,000 |
| Utah First Credit Union 200 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 |
* | $ n/a | 2 | $ 140,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ n/a | 2 | $ 260,000 |
| Royal Pacific Funding 4000 MACARTHUR BLVD TOWER - 7TH NEWPORT BEACH, CA 92660 |
* | $ n/a | 2 | $ 1,010,000 |
| Canyon View Credit Union PO BOX 58025 SALT LAKE CITY, UT 84158 |
* | $ n/a | 2 | $ 330,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 590,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 140,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 570,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 2 | $ 330,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 160,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 2 | $ 310,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 500,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 2 | $ 520,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ n/a | 2 | $ 120,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 2 | $ 960,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ n/a | 2 | $ 100,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 195,000 |
| Intelliloan, Inc. 4 PARK PLAZA SUITE 800 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 205,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 225,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 205,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ n/a | 1 | $ 75,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 1 | $ 335,000 |
| Utah Mortgage Loan Corporation 3300 N TRIUMPH BLVD #100 LEHI, UT 84043 |
* | $ n/a | 1 | $ 285,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 455,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 1 | $ 325,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 305,000 |
| Resicentral LLC 700 LARKSPUR LANDING CIRCLE SUITE 199-18 LARKSPUR, CA 94939 |
* | $ n/a | 1 | $ 205,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 275,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 525,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 275,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 55,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 195,000 |
| South River Mortgage, LLC 1750 FOREST DR SUITE 195 ANNAPOLIS, MD 21401 |
* | $ n/a | 1 | $ 235,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 575,000 |
| Cyprus Federal Credit Union 3876 W. CENTERVIEW WAY WEST JORDAN, UT 84084 |
* | $ n/a | 1 | $ 275,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ n/a | 1 | $ 365,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 95,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 205,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 55,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 285,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 525,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 295,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 695,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 285,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 415,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 315,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 315,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 295,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 135,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 305,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ n/a | 1 | $ 285,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 65,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ n/a | 1 | $ 25,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2025 mortgage applications in Millard County, UT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Millard County, UT in 2025
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 | 199 | $55,755,000 | $280,000 | $705,000 | $115,000 | $699,000 |
| Refinancing | 127 | $32,915,000 | $259,000 | $805,000 | $131,000 | $1,300,000 |
| Cash-out Refinancing | 104 | $21,070,000 | $202,000 | $575,000 | $92,000 | $466,000 |
| Other Purpose | 78 | $9,360,000 | $120,000 | $525,000 | $103,000 | $248,000 |
| Home Improvement | 59 | $5,615,000 | $95,000 | $305,000 | $110,000 | $338,000 |
| Not Applicable | 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 | 413 | $89,315,000 | $216,000 | $805,000 | $116,000 | $1,300,000 |
| Not Provided | 57 | $15,075,000 | $264,000 | $695,000 | $111,000 | $562,000 |
| Hispanic | 47 | $8,145,000 | $173,000 | $355,000 | $79,000 | $168,000 |
| Not applicable | 39 | $9,065,000 | $232,000 | $525,000 | $90,000 | $142,000 |
| American Indian or Alaskan Native | 6 | $1,780,000 | $296,000 | $675,000 | $99,000 | $147,000 |
| Black or African American | 4 | $1,050,000 | $262,000 | $275,000 | $113,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $285,000 | $285,000 | $285,000 | $82,000 | $82,000 |
| Asian | 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) | 433 | $84,565,000 | $195,000 | $805,000 | $117,000 | $1,300,000 |
| FHA-insured (Federal Housing Administration) | 95 | $26,455,000 | $278,000 | $515,000 | $84,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 32 | $11,370,000 | $355,000 | $535,000 | $113,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $2,325,000 | $332,000 | $445,000 | $102,000 | $150,000 |
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 | 346 | $73,730,000 | $213,000 | $705,000 | $116,000 | $699,000 |
| Application Denied By Financial Institution | 69 | $13,555,000 | $196,000 | $805,000 | $94,000 | $634,000 |
| Application Withdrawn By Applicant | 61 | $15,295,000 | $250,000 | $605,000 | $99,000 | $247,000 |
| Loan Purchased By The Institution | 40 | $10,020,000 | $250,000 | $525,000 | $117,000 | $208,000 |
| Application Approved But Not Accepted | 31 | $6,995,000 | $225,000 | $675,000 | $97,000 | $396,000 |
| File Closed For Incompleteness | 20 | $5,120,000 | $256,000 | $695,000 | $157,000 | $1,300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 498 | $111,160,000 | $223,000 | $705,000 | $114,000 | $1,300,000 |
| Debt-To-Income Ratio | 26 | $5,670,000 | $218,000 | $595,000 | $69,000 | $175,000 |
| Credit History | 12 | $980,000 | $81,000 | $185,000 | $87,000 | $151,000 |
| Collateral | 10 | $2,030,000 | $203,000 | $805,000 | $142,000 | $634,000 |
| Other | 6 | $1,250,000 | $208,000 | $375,000 | $88,000 | $110,000 |
| Unverifiable Information | 5 | $1,035,000 | $207,000 | $445,000 | $89,000 | $150,000 |
| Credit Application Incomplete | 5 | $1,015,000 | $203,000 | $365,000 | $96,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,500,000 | $375,000 | $665,000 | $176,000 | $431,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $70,000 | $70,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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