Millard County, UT Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 546 mortgage applications in Millard County, UT totaling $65.7 million, up 9% from 2011. The average application was for $120,000, and applicants reported an average income of $57,000. 55% of applications resulted in an originated loan and 14% were denied. The most active lender was Zions Bancorporation, N.A., with 116 applications, followed by Wells Fargo Bank NA and Guild Mortgage Company.
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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 | 546 |
| Total Mortgage Loan Application Amount | $65,672,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $378,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $196,000 |
* 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 |
|---|---|---|---|---|
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 17,531,277,000 | 116 | $ 10,959,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 87 | $ 9,795,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 36 | $ 4,268,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 35 | $ 4,404,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 30 | $ 4,298,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 21 | $ 2,056,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 2,973,405,000 | 19 | $ 2,759,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 15 | $ 1,991,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 5,095,899,000 | 13 | $ 1,064,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ 12,500,000 | 12 | $ 1,644,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 9 | $ 803,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 8 | $ 1,073,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 7 | $ 1,445,000 |
| Utah Community Credit Union 188 WEST RIVER PARK DRIVE PROVO, UT 84604 |
* | $ 757,978,000 | 7 | $ 1,317,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 745,832,000 | 6 | $ 774,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 6 | $ 888,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 6 | $ 896,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 5 | $ 702,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 5 | $ 594,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 435,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 5 | $ 797,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 4 | $ 737,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 4 | $ 305,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 3 | $ 363,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE 2 MURRAY, UT 84107 |
* | $ 10,000,000 | 3 | $ 378,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 3 | $ 473,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 519,000 |
| Utah Mortgage Loan Corp 488 E 6400 S, 300 SALT LAKE CITY, UT 84107 |
* | $ 10,000,000 | 3 | $ 475,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 556,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 511,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 674,265,000 | 3 | $ 199,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 276,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 2 | $ 373,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 411,510,000 | 2 | $ 161,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 288,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 254,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ 10,000,000 | 2 | $ 248,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 2 | $ 184,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 468,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 311,000 |
| First Mortgage Corporation 1131 W 6TH STREET ONTARIO, CA 91762 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 1 | $ 14,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 192,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 180,000 |
| Graystone Funding Company, LLC 1966 EAST 6200 SOUTH SALT LAKE CITY, UT 84121 |
* | $ 1,000,000,000 | 1 | $ 146,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 128,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 117,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 265,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 174,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 152,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ 10,000,000 | 1 | $ 100,000 |
| International City Mortgage, Inc. 333 S ANITA DR, STE 300 ORANGE, CA 92868 |
* | $ 2,589,000 | 1 | $ 220,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 133,000 |
| Cyprus Federal Credit Union 3876 W. CENTERVIEW WAY WEST JORDAN, UT 84084 |
* | $ 561,183,000 | 1 | $ 60,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 146,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 74,000 |
| Peoples National Bank 5175 N ACADEMY BLVD COLORADO SPRINGS, CO 80918 |
* | $ 196,611,000 | 1 | $ 123,000 |
| Rock Canyon Bank 215 W 2230 NORTH PROVO, UT 84604 |
* | $ 129,006,000 | 1 | $ 100,000 |
| Celtic Bank 268 S. STATE ST., SUITE 300 SALT LAKE CITY, UT 84111 |
* | $ 223,876,000 | 1 | $ 140,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ 582,926,000 | 1 | $ 40,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ 10,000,000 | 1 | $ 203,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 153,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Security Home Mortgage 576 SOUTH STATE ST OREM, UT 84058 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 124,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 427,650,000 | 1 | $ 129,000 |
The tables below break down 2012 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 2012
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 | 363 | $45,452,000 | $125,000 | $378,000 | $61,000 | $196,000 |
| Home Purchase | 154 | $18,708,000 | $121,000 | $280,000 | $48,000 | $145,000 |
| Home Improvement | 29 | $1,512,000 | $52,000 | $201,000 | $63,000 | $130,000 |
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 | 452 | $54,826,000 | $121,000 | $378,000 | $62,000 | $196,000 |
| Not applicable | 38 | $4,684,000 | $123,000 | $270,000 | $9,000 | $71,000 |
| Not Provided | 26 | $2,810,000 | $108,000 | $290,000 | $58,000 | $122,000 |
| Hispanic | 23 | $2,387,000 | $103,000 | $208,000 | $40,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $407,000 | $135,000 | $203,000 | $57,000 | $93,000 |
| American Indian or Alaskan Native | 2 | $310,000 | $155,000 | $163,000 | $42,000 | $53,000 |
| Asian | 1 | $147,000 | $147,000 | $147,000 | $37,000 | $37,000 |
| Black or African American | 1 | $101,000 | $101,000 | $101,000 | $62,000 | $62,000 |
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) | 377 | $43,140,000 | $114,000 | $378,000 | $66,000 | $196,000 |
| FHA-insured (Federal Housing Administration) | 93 | $12,487,000 | $134,000 | $272,000 | $32,000 | $121,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $6,801,000 | $123,000 | $192,000 | $40,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,244,000 | $154,000 | $270,000 | $51,000 | $130,000 |
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 | 299 | $34,429,000 | $115,000 | $311,000 | $63,000 | $196,000 |
| Loan Purchased By The Institution | 97 | $13,132,000 | $135,000 | $271,000 | $34,000 | $158,000 |
| Application Denied By Financial Institution | 79 | $9,126,000 | $115,000 | $378,000 | $63,000 | $155,000 |
| Application Withdrawn By Applicant | 40 | $5,546,000 | $138,000 | $314,000 | $58,000 | $185,000 |
| Application Approved But Not Accepted | 18 | $1,974,000 | $109,000 | $290,000 | $71,000 | $122,000 |
| File Closed For Incompleteness | 13 | $1,465,000 | $112,000 | $296,000 | $48,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 31 | $4,629,000 | $149,000 | $378,000 | $79,000 | $155,000 |
| Credit History | 26 | $2,046,000 | $78,000 | $168,000 | $60,000 | $150,000 |
| Debt-To-Income Ratio | 10 | $1,220,000 | $122,000 | $188,000 | $50,000 | $150,000 |
| Credit Application Incomplete | 4 | $471,000 | $117,000 | $270,000 | $39,000 | $64,000 |
| Unverifiable Information | 2 | $137,000 | $68,000 | $87,000 | $82,000 | $128,000 |
| Employment History | 1 | $109,000 | $109,000 | $109,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $70,000 | $70,000 | $70,000 | $36,000 | $36,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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