Rich County, UT Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 322 mortgage applications in Rich County, UT totaling $56.9 million, up 30% from 2011. The average application was for $176,000, and applicants reported an average income of $107,000. 48% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank NA, with 38 applications, followed by Zions Bancorporation, N.A. 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 | 322 |
| Total Mortgage Loan Application Amount | $56,901,000 |
| Average Mortgage Loan Application Amount | $176,000 |
| Highest Mortgage Loan Application Amount | $707,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $705,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 38 | $ 7,005,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 17,531,277,000 | 31 | $ 5,319,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 5,095,899,000 | 25 | $ 3,531,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 25 | $ 5,658,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 14 | $ 3,002,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 13 | $ 2,441,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 13 | $ 2,312,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 13 | $ 1,265,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 10 | $ 1,621,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 10 | $ 1,931,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 745,832,000 | 8 | $ 1,181,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 2,973,405,000 | 8 | $ 933,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ 12,500,000 | 6 | $ 1,056,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 790,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 5 | $ 618,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 5 | $ 782,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 4 | $ 935,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 3 | $ 612,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 3 | $ 657,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 3 | $ 684,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ 10,000,000 | 3 | $ 548,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 3 | $ 458,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 3 | $ 519,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 3 | $ 352,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 420,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE 2 MURRAY, UT 84107 |
* | $ 10,000,000 | 2 | $ 485,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 2 | $ 173,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 2 | $ 526,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 313,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 470,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 622,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 387,000 |
| Medallion Mortgage Company 28632 ROADSIDE DR. #265 AGOURA HILLS, CA 91301 |
* | $ 12,434,000 | 2 | $ 474,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 370,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 411,510,000 | 2 | $ 120,000 |
| Granite Federal Credit Union 3675 S 900 E SALT LAKE CITY, UT 84106 |
* | $ 330,304,000 | 2 | $ 204,000 |
| Lewiston State Bank P O BOX 32 LEWISTON, UT 84320 |
* | $ 244,524,000 | 2 | $ 245,000 |
| 1st Bank 1001 MAIN STREET EVANSTON, WY 82930 |
* | $ 785,634,000 | 2 | $ 383,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 429,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 2,225,317,000 | 2 | $ 489,000 |
| Ascent Federal Credit Union 4140 HARRISON BLVD OGDEN, UT 84403 |
* | $ 86,344,000 | 2 | $ 128,000 |
| Cyprus Federal Credit Union 3876 W. CENTERVIEW WAY WEST JORDAN, UT 84084 |
* | $ 561,183,000 | 1 | $ 225,000 |
| Ireland Bank 33 BANNOCK STREET MALAD CITY, ID 83252 |
* | $ 212,178,000 | 1 | $ 707,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 180,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 308,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 118,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 299,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 118,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 2,274,641,000 | 1 | $ 410,000 |
| Grand Valley Bank FRUITA, CO 81521 |
* | $ 264,221,000 | 1 | $ 98,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 427,650,000 | 1 | $ 94,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Wasatch Peaks Federal Credit Union 4723 HARRISON BLVD OGDEN, UT 84403 |
* | $ 183,972,000 | 1 | $ 35,000 |
| Alpine Credit Union 1510 N STATE STREET OREM, UT 84057 |
* | $ 146,809,000 | 1 | $ 199,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 779,421,000 | 1 | $ 144,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 181,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 217,000 |
| Graystone Funding Company, LLC 1966 EAST 6200 SOUTH SALT LAKE CITY, UT 84121 |
* | $ 1,000,000,000 | 1 | $ 178,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 157,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 219,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 1 | $ 219,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 222,000 |
| Nevada State Bank 5373 S ARVILLE STREET, 1ST FLOOR LAS VEGAS, NV 89118 |
* | $ 4,101,113,000 | 1 | $ 40,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 133,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 13,653,019,000 | 1 | $ 283,000 |
| Amerifirst Financial, Inc. 1550 E. MCKELLIPS RD, SUITE 117 MESA, AZ 85203 |
* | $ 96,267,000 | 1 | $ 191,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 85,000 |
The tables below break down 2012 mortgage applications in Rich 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 Rich 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 | 205 | $38,571,000 | $188,000 | $707,000 | $107,000 | $600,000 |
| Home Purchase | 107 | $16,989,000 | $158,000 | $396,000 | $108,000 | $705,000 |
| Home Improvement | 10 | $1,341,000 | $134,000 | $277,000 | $89,000 | $246,000 |
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 | 266 | $45,874,000 | $172,000 | $417,000 | $115,000 | $600,000 |
| Not applicable | 29 | $6,581,000 | $226,000 | $707,000 | $19,000 | $199,000 |
| Not Provided | 20 | $3,044,000 | $152,000 | $320,000 | $130,000 | $705,000 |
| Hispanic | 3 | $601,000 | $200,000 | $300,000 | $108,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $361,000 | $180,000 | $235,000 | $64,000 | $73,000 |
| Asian | 2 | $440,000 | $220,000 | $220,000 | $102,000 | $102,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 280 | $50,147,000 | $179,000 | $707,000 | $115,000 | $705,000 |
| FHA-insured (Federal Housing Administration) | 33 | $4,938,000 | $149,000 | $280,000 | $57,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,635,000 | $204,000 | $237,000 | $43,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 1 | $181,000 | $181,000 | $181,000 | $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 | 153 | $26,835,000 | $175,000 | $707,000 | $131,000 | $705,000 |
| Application Denied By Financial Institution | 71 | $12,731,000 | $179,000 | $417,000 | $100,000 | $466,000 |
| Loan Purchased By The Institution | 52 | $9,563,000 | $183,000 | $417,000 | $59,000 | $500,000 |
| Application Withdrawn By Applicant | 23 | $4,168,000 | $181,000 | $417,000 | $89,000 | $394,000 |
| Application Approved But Not Accepted | 13 | $1,818,000 | $139,000 | $392,000 | $101,000 | $324,000 |
| File Closed For Incompleteness | 10 | $1,786,000 | $178,000 | $308,000 | $83,000 | $150,000 |
| 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 | 22 | $4,468,000 | $203,000 | $417,000 | $117,000 | $335,000 |
| Debt-To-Income Ratio | 19 | $3,058,000 | $160,000 | $387,000 | $58,000 | $156,000 |
| Other | 7 | $1,397,000 | $199,000 | $314,000 | $207,000 | $466,000 |
| Credit History | 6 | $823,000 | $137,000 | $234,000 | $95,000 | $231,000 |
| Unverifiable Information | 5 | $742,000 | $148,000 | $200,000 | $103,000 | $166,000 |
| Credit Application Incomplete | 2 | $385,000 | $192,000 | $297,000 | $91,000 | $145,000 |
| 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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