Millard County, UT Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 669 mortgage applications in Millard County, UT totaling $133.2 million, down 31% from 2021. The average application was for $199,000, and applicants reported an average income of $90,000. 61% of applications resulted in an originated loan and 12% were denied. The most active lender was State Bank of Southern Utah, with 87 applications, followed by Zions Bancorporation, N.A. 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 669
Total Mortgage Loan Application Amount $133,195,000
Average Mortgage Loan Application Amount $199,000
Highest Mortgage Loan Application Amount $1,335,000
Average Applicant Income $90,000
Highest Applicant Income $1,320,000

Mortgage Company List for Lending in Millard County, UT for 2022

* 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
* $ 2,023,755,000 87 $ 14,025,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 93,199,669,000 78 $ 13,000,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 39 $ 8,025,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 14,019,893,000 37 $ 5,625,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 35 $ 10,475,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 16,830,237,000 29 $ 2,235,000
Rock Canyon Bank
215 W 2230 NORTH
PROVO, UT 84604
* $ 814,371,000 22 $ 4,090,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 15 $ 3,045,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 13 $ 2,565,000
Security Home Mortgage
576 SOUTH STATE STREET
OREM, UT 84058
* $ -1,000 11 $ 2,455,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 10 $ 1,920,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 10 $ 2,050,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 2,120,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 9 $ 2,255,000
Utah Community Credit Union
188 WEST RIVER PARK DRIVE
PROVO, UT 84604
* $ 2,455,571,000 9 $ 2,055,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 8 $ 390,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 8 $ 1,500,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 7 $ 1,925,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 7 $ 2,045,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 7 $ 1,885,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 7 $ 1,335,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 1,475,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 7 $ 1,365,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 7 $ 1,265,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 6 $ 810,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 1,160,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 6 $ 1,500,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 7,187,889,000 5 $ 795,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 1,000,660,000 5 $ 1,245,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 1,165,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ -1,000 5 $ 1,595,000
Cyprus Federal Credit Union
3876 W. CENTERVIEW WAY
WEST JORDAN, UT 84084
* $ 1,530,942,000 4 $ 360,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 1,350,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 4 $ 950,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 820,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 1,190,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 565,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ -1,000 3 $ 525,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 465,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 3 $ 985,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ -1,000 3 $ 755,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 3 $ 855,000
Canyon View Credit Union
PO BOX 58025
SALT LAKE CITY, UT 84158
* $ 1,736,747,000 3 $ 1,155,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 3 $ 1,015,000
Sun American Mortgage Company
4140 E. BASELINE RD., #206
MESA, AZ 85206
* $ -1,000 3 $ 455,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 665,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ -1,000 3 $ 785,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 30,642,109,000 2 $ 230,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 2 $ 680,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 2 $ 400,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 420,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 460,000
Utah Power Credit Union
957 E 6600 S
SALT LAKE CITY, UT 84121
* $ 951,799,000 2 $ 270,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 2 $ 390,000
Goldenwest Federal Credit Union
5025 ADAMS AVE
OGDEN, UT 84403
* $ 2,506,598,000 2 $ 210,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 2 $ 430,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 670,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 550,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 410,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 2 $ 270,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 2 $ 1,660,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 440,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 400,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 225,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 10,485,573,000 1 $ 355,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 1 $ 115,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 275,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 295,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 205,000
All Credit Considered Mortgage, Inc.
1801 RESEARCH BLVD #410
ROCKVILLE, MD 20850
* $ -1,000 1 $ 185,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 275,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 1 $ 55,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 115,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 205,000
Cache Valley Bank
101 NORTH MAIN
LOGAN, UT 84321
* $ 3,083,491,000 1 $ 645,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 75,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 105,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 125,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 35,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 295,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 1 $ 135,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 185,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 25,919,785,000 1 $ 485,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 185,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 55,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 235,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 565,000
Deseret First Credit Union
3999 PARKWAY BOULEVARD
WEST VALLEY CITY, UT 84120
* $ 922,179,000 1 $ 25,000
Central Bank
95 NORTH UNIVERSITY AVE
PROVO, UT 84601
* $ 2,032,710,000 1 $ 115,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 1 $ 205,000
Utah Mortgage Loan Corporation
3300 N TRIUMPH BLVD #100
LEHI, UT 84043
* $ -1,000 1 $ 265,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 225,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 355,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 2,533,187,000 1 $ 25,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 145,000
Operating Engineers Federal Credit Union
250 N CANYONS PARKWAY
LIVERMORE, CA 94551
* $ 1,438,290,000 1 $ 75,000
My Move Mortgage, LLC
MY MOVE MORTGAGE, LLC
SANDY, UT 84070
* $ -1,000 1 $ 125,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 295,000
Mountain West Financial, Inc.
1209 NEVADA ST. SUITE 200
REDLANDS, CA 92374
* $ -1,000 1 $ 335,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 1 $ 375,000
Belem Servicing, LLC dba Patriot Home Mortgage
230 N 1680 E
ST GEORGE, UT 84770
* $ -1,000 1 $ 215,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 235,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 235,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 405,000

The tables below break down 2022 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 2022

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 228 $62,660,000 $274,000 $765,000 $90,000 $1,320,000
Cash-out Refinancing 152 $29,920,000 $196,000 $635,000 $81,000 $732,000
Refinancing 139 $25,855,000 $186,000 $1,335,000 $87,000 $766,000
Home Improvement 82 $8,830,000 $107,000 $645,000 $100,000 $398,000
Other Purpose 67 $5,855,000 $87,000 $505,000 $103,000 $384,000
Not Applicable 1 $75,000 $75,000 $75,000 $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 523 $100,885,000 $192,000 $1,335,000 $92,000 $1,320,000
Not Provided 60 $13,260,000 $221,000 $585,000 $80,000 $332,000
Not applicable 47 $11,505,000 $244,000 $645,000 $119,000 $221,000
Hispanic 30 $6,310,000 $210,000 $405,000 $72,000 $206,000
American Indian or Alaskan Native 5 $825,000 $165,000 $255,000 $92,000 $207,000
Asian 4 $410,000 $102,000 $155,000 $81,000 $133,000
Black or African American 0 $0 $0 $0 $0 $0
Native Hawaiian or Other Pacific Islander 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) 549 $103,015,000 $187,000 $1,335,000 $95,000 $1,320,000
FHA-insured (Federal Housing Administration) 70 $16,230,000 $231,000 $405,000 $64,000 $186,000
VA-guaranteed (Veterans Administration) 34 $9,780,000 $287,000 $565,000 $79,000 $162,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $4,170,000 $260,000 $505,000 $62,000 $123,000

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 411 $78,995,000 $192,000 $1,335,000 $90,000 $766,000
Application Withdrawn By Applicant 78 $17,250,000 $221,000 $635,000 $91,000 $732,000
Application Denied By Financial Institution 77 $14,255,000 $185,000 $765,000 $76,000 $281,000
Loan Purchased By The Institution 52 $13,080,000 $251,000 $645,000 $97,000 $221,000
File Closed For Incompleteness 30 $4,520,000 $150,000 $405,000 $112,000 $1,320,000
Application Approved But Not Accepted 16 $3,410,000 $213,000 $455,000 $101,000 $211,000
Preapproval Approved but not Accepted 3 $1,255,000 $418,000 $585,000 $107,000 $135,000
Preapproval Denied by Financial Institution 2 $430,000 $215,000 $305,000 $129,000 $186,000

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 590 $118,510,000 $200,000 $1,335,000 $92,000 $1,320,000
Debt-To-Income Ratio 23 $6,535,000 $284,000 $765,000 $80,000 $281,000
Collateral 16 $1,900,000 $118,000 $255,000 $116,000 $229,000
Credit History 16 $2,060,000 $128,000 $375,000 $54,000 $107,000
Credit Application Incomplete 9 $1,315,000 $146,000 $395,000 $70,000 $125,000
Other 9 $1,685,000 $187,000 $345,000 $73,000 $136,000
Unverifiable Information 3 $635,000 $211,000 $275,000 $47,000 $54,000
Insufficient Cash (Downpayment, Closing Cost) 3 $555,000 $185,000 $315,000 $69,000 $78,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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