Wayne County, UT Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 147 mortgage applications in Wayne County, UT totaling $18.9 million, up 7% from 2010. The average application was for $128,000, and applicants reported an average income of $68,000. 43% of applications resulted in an originated loan and 18% were denied. The most active lender was Mountain America Federal Credit Union, with 37 applications, followed by Wells Fargo Bank NA and Zions Bancorporation, N.A..
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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 | 147 |
| Total Mortgage Loan Application Amount | $18,855,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $314,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $992,000 |
| 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 |
* | $ 2,777,514,000 | 37 | $ 3,953,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 19 | $ 2,409,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 16,343,046,000 | 10 | $ 1,544,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 1,624,110,000 | 8 | $ 952,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 8 | $ 876,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 667,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 5 | $ 622,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 4 | $ 727,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 4 | $ 531,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 4 | $ 603,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 671,816,000 | 4 | $ 610,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 490,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 4,936,048,000 | 3 | $ 333,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 488,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 3 | $ 385,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 488,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 2 | $ 286,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 2 | $ 258,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 213,000 |
| Utah Community Credit Union 188 WEST RIVER PARK DRIVE PROVO, UT 84604 |
* | $ 727,532,000 | 1 | $ 118,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,192,808,000 | 1 | $ 54,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 418,952,000 | 1 | $ 215,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 98,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 1 | $ 201,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 1 | $ 95,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 49,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 180,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 1 | $ 245,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,832,312,000 | 1 | $ 225,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Security Home Mortgage 576 SOUTH STATE ST OREM, UT 84058 |
* | $ 10,000,000 | 1 | $ 242,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 115,000 |
The tables below break down 2011 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 2011
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 | 103 | $14,156,000 | $137,000 | $314,000 | $73,000 | $992,000 |
| Home Purchase | 34 | $3,713,000 | $109,000 | $296,000 | $55,000 | $150,000 |
| Home Improvement | 10 | $986,000 | $98,000 | $224,000 | $60,000 | $213,000 |
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 | 125 | $16,161,000 | $129,000 | $314,000 | $76,000 | $992,000 |
| Not applicable | 16 | $2,145,000 | $134,000 | $242,000 | $6,000 | $45,000 |
| Not Provided | 5 | $405,000 | $81,000 | $118,000 | $44,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $144,000 | $144,000 | $144,000 | $105,000 | $105,000 |
| 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 |
| Hispanic | 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) | 120 | $15,606,000 | $130,000 | $314,000 | $74,000 | $992,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,590,000 | $113,000 | $150,000 | $36,000 | $61,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,288,000 | $117,000 | $210,000 | $42,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 2 | $371,000 | $185,000 | $272,000 | $55,000 | $75,000 |
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 | 63 | $8,406,000 | $133,000 | $296,000 | $90,000 | $992,000 |
| Loan Purchased By The Institution | 30 | $3,697,000 | $123,000 | $272,000 | $30,000 | $150,000 |
| Application Denied By Financial Institution | 26 | $3,319,000 | $127,000 | $314,000 | $61,000 | $186,000 |
| Application Withdrawn By Applicant | 19 | $2,148,000 | $113,000 | $245,000 | $59,000 | $213,000 |
| Application Approved But Not Accepted | 6 | $899,000 | $149,000 | $238,000 | $72,000 | $95,000 |
| File Closed For Incompleteness | 3 | $386,000 | $128,000 | $170,000 | $78,000 | $90,000 |
| 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 | 12 | $1,415,000 | $117,000 | $242,000 | $66,000 | $142,000 |
| Debt-To-Income Ratio | 5 | $588,000 | $117,000 | $153,000 | $40,000 | $63,000 |
| Credit Application Incomplete | 2 | $280,000 | $140,000 | $200,000 | $79,000 | $94,000 |
| Other | 1 | $97,000 | $97,000 | $97,000 | $0 | $0 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $33,000 | $33,000 |
| Credit History | 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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