Wayne County, UT Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 101 mortgage applications in Wayne County, UT totaling $14.5 million, up 26% from 2014. The average application was for $143,000, and applicants reported an average income of $65,000. 50% of applications resulted in an originated loan and 22% were denied. The most active lender was Mountain America Federal Credit Union, with 11 applications, followed by Cache Valley Bank and US Bank, 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 | 101 |
| Total Mortgage Loan Application Amount | $14,485,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $430,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $574,000 |
| 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 |
* | $ 4,185,567,000 | 11 | $ 1,147,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 834,530,000 | 11 | $ 1,282,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 9 | $ 1,189,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 6 | $ 457,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 6 | $ 858,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 4 | $ 860,000 |
| Security Home Mortgage 576 SOUTH STATE STREET OREM, UT 84058 |
* | $ 10,000,000 | 3 | $ 398,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 288,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 19,078,815,000 | 3 | $ 646,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 825,809,000 | 3 | $ 421,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 340,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 6,387,265,000 | 2 | $ 300,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 431,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 244,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 2 | $ 268,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 425,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 431,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 392,000 |
| Graystone Funding Company, LLC 1966 EAST 6200 SOUTH SALT LAKE CITY, UT 84121 |
* | $ 19,815,084,000 | 2 | $ 174,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 2 | $ 155,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 325,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 73,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 377,710,000 | 1 | $ 205,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 4,201,859,000 | 1 | $ 430,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 258,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 219,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 52,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 73,000 |
| Utah Community Credit Union 188 WEST RIVER PARK DRIVE PROVO, UT 84604 |
* | $ 942,411,000 | 1 | $ 228,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 140,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 10,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 82,000 |
| Cyprus Federal Credit Union 3876 W. CENTERVIEW WAY WEST JORDAN, UT 84084 |
* | $ 682,833,000 | 1 | $ 119,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 535,161,000 | 1 | $ 149,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 4,483,767,000 | 1 | $ 378,000 |
The tables below break down 2015 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 51 | $8,021,000 | $157,000 | $430,000 | $75,000 | $574,000 |
| Home Purchase | 41 | $5,307,000 | $129,000 | $258,000 | $51,000 | $166,000 |
| Home Improvement | 9 | $1,157,000 | $128,000 | $270,000 | $77,000 | $186,000 |
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 | 74 | $10,539,000 | $142,000 | $430,000 | $72,000 | $574,000 |
| Not applicable | 11 | $1,756,000 | $159,000 | $377,000 | $17,000 | $135,000 |
| Not Provided | 11 | $1,718,000 | $156,000 | $350,000 | $74,000 | $166,000 |
| American Indian or Alaskan Native | 2 | $98,000 | $49,000 | $78,000 | $73,000 | $84,000 |
| Asian | 2 | $146,000 | $73,000 | $73,000 | $28,000 | $28,000 |
| Hispanic | 1 | $228,000 | $228,000 | $228,000 | $70,000 | $70,000 |
| 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) | 79 | $11,195,000 | $141,000 | $430,000 | $75,000 | $574,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,959,000 | $163,000 | $220,000 | $30,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,126,000 | $125,000 | $219,000 | $28,000 | $43,000 |
| VA-guaranteed (Veterans Administration) | 1 | $205,000 | $205,000 | $205,000 | $46,000 | $46,000 |
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 | 50 | $7,526,000 | $150,000 | $378,000 | $82,000 | $574,000 |
| Application Denied By Financial Institution | 22 | $2,798,000 | $127,000 | $430,000 | $56,000 | $132,000 |
| Loan Purchased By The Institution | 13 | $1,951,000 | $150,000 | $377,000 | $28,000 | $135,000 |
| Application Withdrawn By Applicant | 10 | $1,452,000 | $145,000 | $270,000 | $54,000 | $109,000 |
| File Closed For Incompleteness | 5 | $558,000 | $111,000 | $175,000 | $40,000 | $54,000 |
| Application Approved But Not Accepted | 1 | $200,000 | $200,000 | $200,000 | $186,000 | $186,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $310,000 | $77,000 | $205,000 | $61,000 | $128,000 |
| Debt-To-Income Ratio | 2 | $226,000 | $113,000 | $123,000 | $47,000 | $52,000 |
| Collateral | 2 | $205,000 | $102,000 | $145,000 | $92,000 | $94,000 |
| Credit Application Incomplete | 1 | $10,000 | $10,000 | $10,000 | $50,000 | $50,000 |
| Other | 1 | $143,000 | $143,000 | $143,000 | $132,000 | $132,000 |
| Unverifiable Information | 1 | $129,000 | $129,000 | $129,000 | $47,000 | $47,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $84,000 | $84,000 |
| 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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