Wayne County, UT Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 97 mortgage applications in Wayne County, UT totaling $15.9 million, up 2% from 2016. The average application was for $163,000, and applicants reported an average income of $74,000. 51% of applications resulted in an originated loan and 16% were denied. The most active lender was Mountain America Federal Credit Union, with 26 applications, followed by Cache Valley Bank and Wells Fargo Bank NA.
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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 | 97 |
| Total Mortgage Loan Application Amount | $15,880,000 |
| Average Mortgage Loan Application Amount | $163,000 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $360,000 |
| 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 |
* | $ 6,058,883,000 | 26 | $ 2,883,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 1,000,553,000 | 11 | $ 1,224,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 5 | $ 981,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 63,076,162,000 | 5 | $ 1,883,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,631,667,000 | 5 | $ 673,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 950,371,000 | 4 | $ 700,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 290,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 3 | $ 472,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 654,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 153,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 550,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 336,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 2 | $ 720,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 68,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 81,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 139,000 |
| Cyprus Federal Credit Union 3876 W. CENTERVIEW WAY WEST JORDAN, UT 84084 |
* | $ 790,192,000 | 1 | $ 37,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 134,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 197,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 133,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 650,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 182,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 569,447,000 | 1 | $ 50,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 167,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 8,222,431,000 | 1 | $ 319,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 60,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 110,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ 0 | 1 | $ 568,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 207,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 356,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 1 | $ 72,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 151,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 207,000 |
The tables below break down 2017 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 2017
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 | 49 | $8,419,000 | $171,000 | $655,000 | $68,000 | $304,000 |
| Refinancing | 38 | $6,354,000 | $167,000 | $650,000 | $79,000 | $355,000 |
| Home Improvement | 10 | $1,107,000 | $110,000 | $333,000 | $84,000 | $360,000 |
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 | 82 | $13,724,000 | $167,000 | $655,000 | $78,000 | $355,000 |
| Not Provided | 8 | $1,198,000 | $149,000 | $320,000 | $98,000 | $360,000 |
| Not applicable | 6 | $834,000 | $139,000 | $255,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $124,000 | $124,000 | $124,000 | $47,000 | $47,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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 | $13,221,000 | $167,000 | $655,000 | $82,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $766,000 | $109,000 | $242,000 | $25,000 | $57,000 |
| FHA-insured (Federal Housing Administration) | 6 | $841,000 | $140,000 | $197,000 | $34,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,052,000 | $210,000 | $309,000 | $75,000 | $123,000 |
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 | 49 | $7,183,000 | $146,000 | $655,000 | $75,000 | $280,000 |
| Application Denied By Financial Institution | 16 | $4,118,000 | $257,000 | $650,000 | $153,000 | $360,000 |
| Application Withdrawn By Applicant | 13 | $1,780,000 | $136,000 | $320,000 | $40,000 | $153,000 |
| Loan Purchased By The Institution | 12 | $1,870,000 | $155,000 | $350,000 | $27,000 | $111,000 |
| File Closed For Incompleteness | 4 | $490,000 | $122,000 | $167,000 | $39,000 | $65,000 |
| Application Approved But Not Accepted | 3 | $439,000 | $146,000 | $200,000 | $30,000 | $36,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $591,000 | $197,000 | $241,000 | $72,000 | $123,000 |
| Collateral | 3 | $824,000 | $274,000 | $641,000 | $131,000 | $304,000 |
| Other | 2 | $887,000 | $443,000 | $568,000 | $239,000 | $355,000 |
| Credit History | 2 | $135,000 | $67,000 | $98,000 | $194,000 | $360,000 |
| Credit Application Incomplete | 1 | $568,000 | $568,000 | $568,000 | $338,000 | $338,000 |
| Unverifiable Information | 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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