Piute County, UT Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 59 mortgage applications in Piute County, UT totaling $9.9 million, down 35% from 2022. The average application was for $167,000, and applicants reported an average income of $94,000. 46% of applications resulted in an originated loan and 27% were denied. The most active lender was Mountain America Federal Credit Union, with 14 applications, followed by State Bank of Southern Utah and America First Federal Credit Union.
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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 | 59 |
| Total Mortgage Loan Application Amount | $9,865,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $379,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 15,840,363,000 | 14 | $ 1,470,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 2,209,740,000 | 10 | $ 1,510,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 17,379,010,000 | 6 | $ 600,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 1,010,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 755,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 3 | $ 965,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 570,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 280,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 470,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 255,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ -1,000 | 1 | $ 135,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 285,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 385,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 85,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 245,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 2,931,809,000 | 1 | $ 125,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 35,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 205,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 125,000 |
The tables below break down 2023 mortgage applications in Piute 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 Piute 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 | 22 | $5,090,000 | $231,000 | $545,000 | $140,000 | $379,000 |
| Refinancing | 14 | $2,240,000 | $160,000 | $385,000 | $85,000 | $302,000 |
| Other Purpose | 10 | $670,000 | $67,000 | $175,000 | $56,000 | $130,000 |
| Cash-out Refinancing | 9 | $1,595,000 | $177,000 | $385,000 | $54,000 | $120,000 |
| Home Improvement | 4 | $270,000 | $67,000 | $105,000 | $78,000 | $186,000 |
| 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 | 49 | $7,825,000 | $159,000 | $545,000 | $100,000 | $379,000 |
| Not Provided | 6 | $1,040,000 | $173,000 | $385,000 | $49,000 | $120,000 |
| Not applicable | 3 | $805,000 | $268,000 | $385,000 | $0 | $0 |
| Hispanic | 1 | $195,000 | $195,000 | $195,000 | $79,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 50 | $7,340,000 | $146,000 | $545,000 | $94,000 | $379,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,755,000 | $250,000 | $285,000 | $88,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 2 | $770,000 | $385,000 | $385,000 | $120,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 27 | $4,555,000 | $168,000 | $545,000 | $106,000 | $379,000 |
| Application Denied By Financial Institution | 16 | $2,320,000 | $145,000 | $275,000 | $65,000 | $302,000 |
| Application Withdrawn By Applicant | 6 | $1,230,000 | $205,000 | $355,000 | $135,000 | $186,000 |
| Loan Purchased By The Institution | 4 | $930,000 | $232,000 | $385,000 | $38,000 | $38,000 |
| File Closed For Incompleteness | 3 | $515,000 | $171,000 | $285,000 | $79,000 | $136,000 |
| Application Approved But Not Accepted | 3 | $315,000 | $105,000 | $135,000 | $97,000 | $130,000 |
| 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 | 43 | $7,545,000 | $175,000 | $545,000 | $106,000 | $379,000 |
| Debt-To-Income Ratio | 8 | $1,080,000 | $135,000 | $275,000 | $77,000 | $302,000 |
| Other | 3 | $405,000 | $135,000 | $205,000 | $50,000 | $78,000 |
| Credit Application Incomplete | 2 | $210,000 | $105,000 | $125,000 | $65,000 | $66,000 |
| Credit History | 2 | $470,000 | $235,000 | $275,000 | $69,000 | $97,000 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Unverifiable Information | 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 |
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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