Millard County, UT Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 435 mortgage applications in Millard County, UT totaling $89.4 million, down 35% from 2022. The average application was for $205,000, and applicants reported an average income of $100,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was State Bank of Southern Utah, with 55 applications, followed by Zions Bancorporation, N.A. and United Wholesale Mortgage.
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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 | 435 |
| Total Mortgage Loan Application Amount | $89,405,000 |
| Average Mortgage Loan Application Amount | $205,000 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $3,821,000 |
* 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 |
* | $ 2,209,740,000 | 55 | $ 11,295,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 89,544,919,000 | 46 | $ 6,710,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 36 | $ 9,020,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 15,840,363,000 | 25 | $ 2,625,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 9,523,916,000 | 21 | $ 5,175,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 17,379,010,000 | 17 | $ 1,315,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 16 | $ 3,720,000 |
| Utah Community Credit Union 188 WEST RIVER PARK DRIVE PROVO, UT 84604 |
* | $ 2,751,663,000 | 15 | $ 2,305,000 |
| Security Home Mortgage 576 SOUTH STATE STREET OREM, UT 84058 |
* | $ -1,000 | 11 | $ 3,465,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 2,480,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 7 | $ 555,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,435,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 7 | $ 1,685,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 5 | $ 1,115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 1,640,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 820,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 240,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 4 | $ 1,270,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ -1,000 | 4 | $ 1,520,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 1,210,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 550,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 475,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 1,065,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 705,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 3 | $ 725,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ -1,000 | 3 | $ 1,075,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 365,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 3 | $ 305,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 3 | $ 495,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 135,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 685,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 1,165,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 3 | $ 1,255,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 775,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 525,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 3 | $ 225,000 |
| Belem Servicing, LLC dba Patriot Home Mortgage 230 N 1680 E ST GEORGE, UT 84770 |
* | $ -1,000 | 2 | $ 430,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 770,000 |
| Central Bank 95 NORTH UNIVERSITY AVE PROVO, UT 84601 |
* | $ 2,029,367,000 | 2 | $ 440,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 2 | $ 270,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ 2,622,526,000 | 2 | $ 170,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 250,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 270,000 |
| Granite Federal Credit Union 3675 S 900 E SALT LAKE CITY, UT 84106 |
* | $ 743,584,000 | 2 | $ 320,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 270,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 310,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 290,000 |
| Sourceone Financial, Inc. 400 NORTH BALD MOUNTAIN DRIVE ALPINE, UT 84004 |
* | $ -1,000 | 2 | $ 250,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 820,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 300,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 898,181,000 | 2 | $ 260,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 435,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 2,774,808,000 | 1 | $ 125,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 345,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 265,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 295,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 55,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 105,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ -1,000 | 1 | $ 85,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 135,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 275,000 |
| Utah First Credit Union 200 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 |
* | $ 875,682,000 | 1 | $ 65,000 |
| Genhome Mortgage Corporation IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 105,000 |
| Strong Home Mortgage, LLC 9408 GRANT AVENUE SUITE 302 MANASSAS, VA 20110 |
* | $ -1,000 | 1 | $ 285,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ -1,000 | 1 | $ 205,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 990,239,000 | 1 | $ 45,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 205,000 |
| Canyon View Credit Union PO BOX 58025 SALT LAKE CITY, UT 84158 |
* | $ 1,891,529,000 | 1 | $ 495,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 295,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 135,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 2,863,212,000 | 1 | $ 195,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 335,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 1 | $ 305,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 405,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 205,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 2,931,809,000 | 1 | $ 385,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 55,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 505,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ -1,000 | 1 | $ 235,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 125,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 45,000 |
| American United FCU 500 S FOOTHILL DRIVE WEST JORDAN, UT 84088 |
* | $ 370,160,000 | 1 | $ 165,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 65,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 355,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 1 | $ 365,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 35,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 12,761,582,000 | 1 | $ 485,000 |
The tables below break down 2023 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 2023
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 | 188 | $53,530,000 | $284,000 | $715,000 | $112,000 | $3,821,000 |
| Cash-out Refinancing | 64 | $12,330,000 | $192,000 | $555,000 | $75,000 | $257,000 |
| Refinancing | 63 | $12,265,000 | $194,000 | $765,000 | $104,000 | $300,000 |
| Home Improvement | 60 | $5,500,000 | $91,000 | $635,000 | $91,000 | $510,000 |
| Other Purpose | 59 | $5,715,000 | $96,000 | $555,000 | $98,000 | $300,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 320 | $62,910,000 | $196,000 | $765,000 | $92,000 | $510,000 |
| Not Provided | 45 | $8,945,000 | $198,000 | $425,000 | $93,000 | $390,000 |
| Hispanic | 37 | $7,195,000 | $194,000 | $345,000 | $178,000 | $3,821,000 |
| Not applicable | 23 | $8,045,000 | $349,000 | $715,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $1,320,000 | $220,000 | $415,000 | $91,000 | $118,000 |
| Asian | 2 | $420,000 | $210,000 | $335,000 | $72,000 | $91,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $43,000 | $43,000 |
| 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) | 339 | $64,415,000 | $190,000 | $765,000 | $107,000 | $3,821,000 |
| FHA-insured (Federal Housing Administration) | 75 | $19,255,000 | $256,000 | $465,000 | $72,000 | $194,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,270,000 | $272,000 | $385,000 | $71,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,465,000 | $273,000 | $395,000 | $85,000 | $122,000 |
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 | 227 | $46,095,000 | $203,000 | $765,000 | $102,000 | $510,000 |
| Application Denied By Financial Institution | 84 | $14,350,000 | $170,000 | $635,000 | $112,000 | $3,821,000 |
| Application Withdrawn By Applicant | 52 | $12,730,000 | $244,000 | $645,000 | $88,000 | $300,000 |
| Application Approved But Not Accepted | 26 | $4,860,000 | $186,000 | $505,000 | $93,000 | $181,000 |
| File Closed For Incompleteness | 25 | $4,255,000 | $170,000 | $485,000 | $80,000 | $175,000 |
| Loan Purchased By The Institution | 21 | $7,115,000 | $338,000 | $715,000 | $44,000 | $44,000 |
| 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 | 349 | $74,615,000 | $213,000 | $765,000 | $96,000 | $510,000 |
| Debt-To-Income Ratio | 43 | $7,045,000 | $163,000 | $445,000 | $60,000 | $257,000 |
| Credit History | 15 | $1,555,000 | $103,000 | $225,000 | $75,000 | $123,000 |
| Collateral | 10 | $2,050,000 | $205,000 | $635,000 | $470,000 | $3,821,000 |
| Credit Application Incomplete | 6 | $1,530,000 | $255,000 | $335,000 | $84,000 | $196,000 |
| Other | 5 | $1,015,000 | $203,000 | $375,000 | $85,000 | $122,000 |
| Unverifiable Information | 4 | $830,000 | $207,000 | $525,000 | $54,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $510,000 | $255,000 | $365,000 | $69,000 | $75,000 |
| Employment History | 1 | $255,000 | $255,000 | $255,000 | $76,000 | $76,000 |
| 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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