Wayne County, UT Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 141 mortgage applications in Wayne County, UT totaling $14.2 million, down 46% from 2003. The average application was for $100,000, and applicants reported an average income of $72,000. 43% of applications resulted in an originated loan and 26% were denied. The most active lender was Far West Bank, with 18 applications, followed by Countrywide Home Loans and Zions First National Bank.
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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 | 141 |
| Total Mortgage Loan Application Amount | $14,227,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $280,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $732,000 |
* 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 |
|---|---|---|---|---|
| Far West Bank 201 EAST CENTER STREET PROVO, UT 84606 |
* | $ 305,985,000 | 18 | $ 1,725,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 16 | $ 1,478,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 10,650,635,000 | 15 | $ 1,276,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 8 | $ 671,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 7 | $ 783,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 5 | $ 508,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 5 | $ 798,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 4 | $ 568,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 4 | $ 442,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 1,267,728,000 | 4 | $ 286,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 3 | $ 154,000 |
| Altabank 33 E MAIN AMERICAN FORK, UT 84003 |
* | $ 488,958,000 | 2 | $ 80,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 2 | $ 415,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 2 | $ 392,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 230,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 185,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 194,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 2 | $ 292,000 |
| M&T Mortgage Corporation 465 MAIN STREET - 5TH FLR - LAFAYETTE CT BUFFALO, NY 14203 |
* | $ 49,199,485,000 | 2 | $ 419,000 |
| Wells Fargo Fin'l Utah, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 2 | $ 264,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 202,000 |
| Washington Mutual Bank, FSB 227 EAST AVENUE ALBION, NY 14411 |
* | $ 762,053,000 | 2 | $ 150,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 2 | $ 128,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 1 | $ 85,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 130,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 1 | $ 90,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 261,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 1 | $ 1,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 91,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 95,600,000 | 1 | $ 169,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 34,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 279,481,000 | 1 | $ 33,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 1 | $ 169,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 100,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ 10,000,000 | 1 | $ 67,000 |
| First National Bank of Nevada 17600 NORTH PERIMETER DRIVE SCOTTSDALE, AZ 85255 |
* | $ 861,178,000 | 1 | $ 64,000 |
| Bridge Capital Corporation 27121 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 120,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 82,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 71,000 |
| American Home Equity Corp 2 ADA, SUITE 100 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 50,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 60,000 |
| American Lending Network 1256 SOUTH STATE STREET #201 OREM, UT 84097 |
* | $ 10,000,000 | 1 | $ 117,000 |
| American Pioneer Financial Svc 12894 SOUTH PONY EXPRESS RD SUITE 600 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 91,000 |
The tables below break down 2004 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 2004
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 | 88 | $9,775,000 | $111,000 | $280,000 | $75,000 | $732,000 |
| Home Purchase | 39 | $3,410,000 | $87,000 | $204,000 | $62,000 | $300,000 |
| Home Improvement | 14 | $1,042,000 | $74,000 | $180,000 | $84,000 | $192,000 |
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 | 118 | $11,837,000 | $100,000 | $280,000 | $73,000 | $468,000 |
| Not Provided | 15 | $1,525,000 | $101,000 | $222,000 | $50,000 | $105,000 |
| Not applicable | 6 | $492,000 | $82,000 | $169,000 | $5,000 | $34,000 |
| Black or African American | 1 | $103,000 | $103,000 | $103,000 | $20,000 | $20,000 |
| Hispanic | 1 | $270,000 | $270,000 | $270,000 | $732,000 | $732,000 |
| 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 |
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) | 137 | $13,840,000 | $101,000 | $280,000 | $74,000 | $732,000 |
| FHA-insured (Federal Housing Administration) | 4 | $387,000 | $96,000 | $151,000 | $18,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 61 | $5,988,000 | $98,000 | $280,000 | $79,000 | $468,000 |
| Application Denied By Financial Institution | 37 | $3,667,000 | $99,000 | $280,000 | $65,000 | $322,000 |
| Loan Purchased By The Institution | 16 | $1,414,000 | $88,000 | $261,000 | $39,000 | $154,000 |
| Application Approved But Not Accepted | 12 | $1,277,000 | $106,000 | $184,000 | $59,000 | $133,000 |
| Application Withdrawn By Applicant | 9 | $1,034,000 | $114,000 | $272,000 | $69,000 | $192,000 |
| File Closed For Incompleteness | 6 | $847,000 | $141,000 | $270,000 | $210,000 | $732,000 |
| 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 | 11 | $1,309,000 | $119,000 | $280,000 | $87,000 | $322,000 |
| Other | 8 | $995,000 | $124,000 | $222,000 | $48,000 | $84,000 |
| Credit History | 7 | $401,000 | $57,000 | $110,000 | $44,000 | $85,000 |
| Credit Application Incomplete | 5 | $283,000 | $56,000 | $91,000 | $64,000 | $104,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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