Rich County, UT Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 224 mortgage applications in Rich County, UT totaling $46.5 million, up 25% from 2014. The average application was for $207,000, and applicants reported an average income of $112,000. 51% of applications resulted in an originated loan and 17% were denied. The most active lender was America First Federal Credit Union, with 17 applications, followed by Zions Bancorporation, N.A. and Wells Fargo Bank NA.
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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 | 224 |
| Total Mortgage Loan Application Amount | $46,465,000 |
| Average Mortgage Loan Application Amount | $207,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $1,296,000 |
* 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 |
|---|---|---|---|---|
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 6,387,265,000 | 17 | $ 2,067,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 19,078,815,000 | 15 | $ 2,699,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 14 | $ 2,140,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 13 | $ 2,934,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 4,185,567,000 | 11 | $ 1,735,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 857,469,000 | 8 | $ 1,886,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 3,501,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 8 | $ 1,153,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 6 | $ 1,514,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 6 | $ 765,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 6 | $ 1,049,000 |
| Altabank 33 E MAIN AMERICAN FORK, UT 84003 |
* | $ 1,079,951,000 | 5 | $ 1,057,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 1,054,343,000 | 5 | $ 892,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 5 | $ 987,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 834,530,000 | 4 | $ 736,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 407,000 |
| Celtic Bank 268 S. STATE ST., SUITE 300 SALT LAKE CITY, UT 84111 |
* | $ 349,755,000 | 3 | $ 675,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 3 | $ 453,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 3 | $ 486,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ 12,500,000 | 3 | $ 638,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 955,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 3 | $ 659,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 3 | $ 800,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 3 | $ 603,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 3 | $ 394,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 3 | $ 303,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 426,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 285,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 8,288,508,000 | 2 | $ 256,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ 31,000,000 | 2 | $ 283,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 2 | $ 367,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 2 | $ 448,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 652,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 380,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 369,000 |
| Ascent Federal Credit Union 4140 HARRISON BLVD OGDEN, UT 84403 |
* | $ 98,324,000 | 2 | $ 77,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Graystone Funding Company, LLC 1966 EAST 6200 SOUTH SALT LAKE CITY, UT 84121 |
* | $ 19,815,084,000 | 1 | $ 192,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 225,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 2,664,576,000 | 1 | $ 150,000 |
| Legacytexas Bank 5851 LEGACY CIRCLE, SUITE 1200 PLANO, TX 75024 |
* | $ 4,162,328,000 | 1 | $ 413,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 188,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 348,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 244,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 1,605,584,000 | 1 | $ 245,000 |
| Colorado Federal Savings Bank8 400 EAST PRENTICE AVE, SUITE 840 GREENWOOD VILLAGE, CO 80111 |
* | $ 1,620,484,000 | 1 | $ 203,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 8,306,659,000 | 1 | $ 1,440,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 118,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 235,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 80,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 48,481,911,000 | 1 | $ 700,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 329,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ 1,000,000,000 | 1 | $ 2,000,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 197,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 111,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 461,399,000 | 1 | $ 200,000 |
| Canyon View Credit Union PO BOX 58025 SALT LAKE CITY, UT 84158 |
* | $ 700,019,000 | 1 | $ 159,000 |
| Transwest Credit Union 37 WEST 1700 SOUTH SALT LAKE CITY, UT 84115 |
* | $ 116,724,000 | 1 | $ 166,000 |
| Peoples National Bank 5175 N ACADEMY BLVD COLORADO SPRINGS, CO 80918 |
* | $ 317,604,000 | 1 | $ 108,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 1 | $ 382,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 15,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 142,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 14,493,978,000 | 1 | $ 166,000 |
The tables below break down 2015 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 2015
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 | 116 | $21,113,000 | $182,000 | $417,000 | $111,000 | $412,000 |
| Refinancing | 96 | $24,590,000 | $256,000 | $2,000,000 | $119,000 | $1,296,000 |
| Home Improvement | 12 | $762,000 | $63,000 | $417,000 | $58,000 | $124,000 |
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 | 180 | $37,516,000 | $208,000 | $2,000,000 | $114,000 | $1,296,000 |
| Not applicable | 19 | $3,931,000 | $206,000 | $413,000 | $30,000 | $221,000 |
| Not Provided | 16 | $3,422,000 | $213,000 | $700,000 | $180,000 | $831,000 |
| Hispanic | 5 | $827,000 | $165,000 | $205,000 | $76,000 | $138,000 |
| Asian | 3 | $521,000 | $173,000 | $244,000 | $141,000 | $299,000 |
| American Indian or Alaskan Native | 1 | $248,000 | $248,000 | $248,000 | $218,000 | $218,000 |
| 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) | 189 | $40,478,000 | $214,000 | $2,000,000 | $125,000 | $1,296,000 |
| FHA-insured (Federal Housing Administration) | 24 | $3,746,000 | $156,000 | $241,000 | $37,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,628,000 | $203,000 | $244,000 | $58,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 3 | $613,000 | $204,000 | $245,000 | $50,000 | $107,000 |
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 | 114 | $23,125,000 | $202,000 | $1,440,000 | $130,000 | $831,000 |
| Application Denied By Financial Institution | 37 | $7,940,000 | $214,000 | $2,000,000 | $90,000 | $400,000 |
| Application Withdrawn By Applicant | 28 | $4,706,000 | $168,000 | $376,000 | $95,000 | $518,000 |
| Loan Purchased By The Institution | 24 | $5,239,000 | $218,000 | $417,000 | $44,000 | $229,000 |
| File Closed For Incompleteness | 16 | $3,101,000 | $193,000 | $642,000 | $100,000 | $371,000 |
| Application Approved But Not Accepted | 5 | $2,354,000 | $470,000 | $2,000,000 | $316,000 | $1,296,000 |
| 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 | 9 | $1,636,000 | $181,000 | $636,000 | $71,000 | $143,000 |
| Credit History | 6 | $510,000 | $85,000 | $240,000 | $97,000 | $348,000 |
| Debt-To-Income Ratio | 6 | $905,000 | $150,000 | $341,000 | $55,000 | $180,000 |
| Unverifiable Information | 3 | $603,000 | $201,000 | $329,000 | $150,000 | $199,000 |
| Other | 2 | $344,000 | $172,000 | $284,000 | $167,000 | $213,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $336,000 | $336,000 | $336,000 | $400,000 | $400,000 |
| Mortgage Insurance Denied | 1 | $150,000 | $150,000 | $150,000 | $175,000 | $175,000 |
| Credit Application Incomplete | 1 | $174,000 | $174,000 | $174,000 | $67,000 | $67,000 |
| 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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