Wayne County, UT Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 80 mortgage applications in Wayne County, UT totaling $11.7 million, down 40% from 2013. The average application was for $145,000, and applicants reported an average income of $72,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was Mountain America Federal Credit Union, with 15 applications, followed by US Bank, N.A. and Cache Valley 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 | 80 |
| Total Mortgage Loan Application Amount | $11,671,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $347,000 |
| 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 |
* | $ 3,647,288,000 | 15 | $ 1,379,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 6 | $ 782,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 687,327,000 | 5 | $ 892,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 18,590,433,000 | 4 | $ 442,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 4 | $ 1,164,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 3 | $ 352,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 5,878,813,000 | 3 | $ 188,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 264,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 3 | $ 406,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 304,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 527,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 291,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 583,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 397,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 2 | $ 245,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 2 | $ 309,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 273,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 59,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 221,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 76,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 114,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 754,577,000 | 1 | $ 383,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Department of the Interior FCU 12201 SUNRISE VALLEY DR WASHINGTON, DC 20240 |
* | $ 146,850,000 | 1 | $ 100,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 135,000 |
| Utah Community Credit Union 188 WEST RIVER PARK DRIVE PROVO, UT 84604 |
* | $ 879,318,000 | 1 | $ 212,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 145,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 193,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 157,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 93,000 |
The tables below break down 2014 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 2014
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 | 50 | $6,578,000 | $131,000 | $394,000 | $69,000 | $244,000 |
| Home Purchase | 29 | $5,003,000 | $172,000 | $550,000 | $76,000 | $347,000 |
| Home Improvement | 1 | $90,000 | $90,000 | $90,000 | $69,000 | $69,000 |
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 | 64 | $8,820,000 | $137,000 | $550,000 | $75,000 | $347,000 |
| Not applicable | 9 | $1,468,000 | $163,000 | $212,000 | $7,000 | $69,000 |
| Not Provided | 6 | $1,171,000 | $195,000 | $417,000 | $130,000 | $300,000 |
| Hispanic | 1 | $212,000 | $212,000 | $212,000 | $59,000 | $59,000 |
| 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 |
| 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) | 70 | $10,188,000 | $145,000 | $550,000 | $77,000 | $347,000 |
| FHA-insured (Federal Housing Administration) | 4 | $446,000 | $111,000 | $221,000 | $45,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $436,000 | $145,000 | $188,000 | $10,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 3 | $601,000 | $200,000 | $328,000 | $45,000 | $84,000 |
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 | 43 | $6,031,000 | $140,000 | $394,000 | $73,000 | $231,000 |
| Application Denied By Financial Institution | 17 | $2,754,000 | $162,000 | $550,000 | $72,000 | $347,000 |
| Loan Purchased By The Institution | 11 | $1,842,000 | $167,000 | $239,000 | $24,000 | $152,000 |
| Application Approved But Not Accepted | 4 | $297,000 | $74,000 | $143,000 | $84,000 | $165,000 |
| Application Withdrawn By Applicant | 3 | $577,000 | $192,000 | $417,000 | $193,000 | $300,000 |
| File Closed For Incompleteness | 2 | $170,000 | $85,000 | $100,000 | $91,000 | $107,000 |
| 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 | 6 | $1,185,000 | $197,000 | $550,000 | $112,000 | $347,000 |
| Debt-To-Income Ratio | 4 | $489,000 | $122,000 | $199,000 | $61,000 | $156,000 |
| Unverifiable Information | 3 | $429,000 | $143,000 | $171,000 | $48,000 | $85,000 |
| Credit Application Incomplete | 2 | $185,000 | $92,000 | $115,000 | $40,000 | $59,000 |
| 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 |
| Other | 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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