Wayne County, UT Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 121 mortgage applications in Wayne County, UT totaling $35.5 million, up 10% from 2024. The average application was for $293,000, and applicants reported an average income of $136,000. 50% of applications resulted in an originated loan and 15% were denied. The most active lender was Mountain America Federal Credit Union, with 24 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 | 121 |
| Total Mortgage Loan Application Amount | $35,475,000 |
| Average Mortgage Loan Application Amount | $293,000 |
| Highest Mortgage Loan Application Amount | $3,195,000 |
| Average Applicant Income | $136,000 |
| Highest Applicant Income | $869,000 |
| 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 |
* | $ n/a | 24 | $ 4,420,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ n/a | 15 | $ 4,145,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ n/a | 9 | $ 4,755,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 9 | $ 2,795,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 6 | $ 1,590,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 6 | $ 2,020,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 265,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 795,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 3 | $ 985,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ n/a | 3 | $ 1,285,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 905,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 230,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 560,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 1,190,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 680,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ n/a | 2 | $ 280,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 1,020,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ n/a | 2 | $ 680,000 |
| Utah Community Credit Union 188 WEST RIVER PARK DRIVE PROVO, UT 84604 |
* | $ n/a | 2 | $ 300,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 275,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 275,000 |
| Utah Mortgage Loan Corporation 3300 N TRIUMPH BLVD #100 LEHI, UT 84043 |
* | $ n/a | 1 | $ 255,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 75,000 |
| Hightechlending, Inc 2030 MAIN ST 350 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 365,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ n/a | 1 | $ 285,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 345,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 135,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ n/a | 1 | $ 185,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 335,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 245,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 375,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 475,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 125,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ n/a | 1 | $ 375,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 375,000 |
| Sun American Mortgage Company 4140 E. BASELINE RD., #206 MESA, AZ 85206 |
* | $ n/a | 1 | $ 275,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 715,000 |
The tables below break down 2025 mortgage applications in Wayne 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 Wayne County, UT in 2025
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 | 48 | $20,610,000 | $429,000 | $3,195,000 | $154,000 | $869,000 |
| Refinancing | 23 | $6,945,000 | $301,000 | $645,000 | $129,000 | $344,000 |
| Cash-out Refinancing | 17 | $4,505,000 | $265,000 | $475,000 | $123,000 | $250,000 |
| Home Improvement | 17 | $1,455,000 | $85,000 | $255,000 | $125,000 | $276,000 |
| Other Purpose | 16 | $1,960,000 | $122,000 | $355,000 | $119,000 | $304,000 |
| 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 | 94 | $27,580,000 | $293,000 | $3,195,000 | $137,000 | $869,000 |
| Not applicable | 14 | $4,510,000 | $322,000 | $715,000 | $0 | $0 |
| Not Provided | 10 | $2,980,000 | $298,000 | $555,000 | $134,000 | $383,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $76,000 | $76,000 |
| Asian | 1 | $35,000 | $35,000 | $35,000 | $276,000 | $276,000 |
| Hispanic | 1 | $275,000 | $275,000 | $275,000 | $54,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 100 | $29,080,000 | $290,000 | $3,195,000 | $141,000 | $869,000 |
| FHA-insured (Federal Housing Administration) | 16 | $5,030,000 | $314,000 | $525,000 | $105,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,005,000 | $335,000 | $565,000 | $172,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $360,000 | $180,000 | $245,000 | $69,000 | $89,000 |
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 | 60 | $16,010,000 | $266,000 | $795,000 | $135,000 | $869,000 |
| Application Denied By Financial Institution | 18 | $5,840,000 | $324,000 | $3,195,000 | $102,000 | $276,000 |
| Application Withdrawn By Applicant | 18 | $5,360,000 | $297,000 | $665,000 | $153,000 | $383,000 |
| Loan Purchased By The Institution | 17 | $5,795,000 | $340,000 | $715,000 | $214,000 | $344,000 |
| Application Approved But Not Accepted | 5 | $1,425,000 | $285,000 | $645,000 | $143,000 | $250,000 |
| File Closed For Incompleteness | 3 | $1,045,000 | $348,000 | $485,000 | $182,000 | $195,000 |
| 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 | 103 | $29,635,000 | $287,000 | $795,000 | $143,000 | $869,000 |
| Debt-To-Income Ratio | 7 | $4,255,000 | $607,000 | $3,195,000 | $77,000 | $165,000 |
| Credit History | 4 | $690,000 | $172,000 | $485,000 | $175,000 | $276,000 |
| Credit Application Incomplete | 3 | $495,000 | $165,000 | $265,000 | $100,000 | $132,000 |
| Collateral | 2 | $230,000 | $115,000 | $115,000 | $71,000 | $94,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $76,000 | $76,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $86,000 | $86,000 |
| 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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