Wayne County, UT Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 85 mortgage applications in Wayne County, UT totaling $17.9 million, down 33% from 2022. The average application was for $210,000, and applicants reported an average income of $118,000. 53% of applications resulted in an originated loan and 19% were denied. The most active lender was Mountain America Federal Credit Union, with 20 applications, followed by Cache Valley Bank and State Bank of Southern Utah.
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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 | 85 |
| Total Mortgage Loan Application Amount | $17,925,000 |
| Average Mortgage Loan Application Amount | $210,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $730,000 |
| 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 |
* | $ 15,840,363,000 | 20 | $ 3,220,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 2,931,809,000 | 8 | $ 2,170,000 |
| State Bank of Southern Utah 377 N MAIN CEDAR CITY, UT 84721 |
* | $ 2,209,740,000 | 8 | $ 1,910,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 7 | $ 1,865,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 4 | $ 690,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 89,544,919,000 | 3 | $ 965,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 1,085,000 |
| My Move Mortgage, LLC MY MOVE MORTGAGE, LLC SANDY, UT 84070 |
* | $ -1,000 | 2 | $ 390,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 460,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 370,000 |
| Canyon View Credit Union PO BOX 58025 SALT LAKE CITY, UT 84158 |
* | $ 1,891,529,000 | 2 | $ 160,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 360,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 2 | $ 270,000 |
| Sun American Mortgage Company 4140 E. BASELINE RD., #206 MESA, AZ 85206 |
* | $ -1,000 | 2 | $ 340,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 310,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 17,379,010,000 | 1 | $ 425,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 65,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 12,761,582,000 | 1 | $ 105,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ -1,000 | 1 | $ 275,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 990,239,000 | 1 | $ 85,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 285,000 |
| Utah First Credit Union 200 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 |
* | $ 875,682,000 | 1 | $ 105,000 |
| Granite Federal Credit Union 3675 S 900 E SALT LAKE CITY, UT 84106 |
* | $ 743,584,000 | 1 | $ 55,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 26,612,483,000 | 1 | $ 95,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 425,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 295,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2023 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 2023
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 | 39 | $9,595,000 | $246,000 | $585,000 | $113,000 | $289,000 |
| Refinancing | 16 | $4,030,000 | $251,000 | $475,000 | $145,000 | $612,000 |
| Other Purpose | 12 | $1,110,000 | $92,000 | $215,000 | $97,000 | $226,000 |
| Cash-out Refinancing | 11 | $2,355,000 | $214,000 | $475,000 | $129,000 | $730,000 |
| Home Improvement | 7 | $835,000 | $119,000 | $325,000 | $109,000 | $271,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 76 | $16,630,000 | $218,000 | $585,000 | $119,000 | $730,000 |
| Not Provided | 4 | $590,000 | $147,000 | $275,000 | $146,000 | $257,000 |
| Not applicable | 2 | $450,000 | $225,000 | $285,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $70,000 | $70,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $72,000 | $72,000 |
| Hispanic | 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) | 76 | $15,320,000 | $201,000 | $585,000 | $121,000 | $730,000 |
| FHA-insured (Federal Housing Administration) | 8 | $2,320,000 | $290,000 | $365,000 | $95,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $285,000 | $285,000 | $285,000 | $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 | 45 | $9,015,000 | $200,000 | $475,000 | $120,000 | $612,000 |
| Application Denied By Financial Institution | 16 | $2,830,000 | $176,000 | $585,000 | $95,000 | $226,000 |
| Application Withdrawn By Applicant | 11 | $3,035,000 | $275,000 | $475,000 | $165,000 | $730,000 |
| Loan Purchased By The Institution | 9 | $2,315,000 | $257,000 | $405,000 | $93,000 | $161,000 |
| File Closed For Incompleteness | 3 | $375,000 | $125,000 | $155,000 | $61,000 | $101,000 |
| Application Approved But Not Accepted | 1 | $355,000 | $355,000 | $355,000 | $240,000 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 69 | $15,095,000 | $218,000 | $475,000 | $124,000 | $730,000 |
| Debt-To-Income Ratio | 5 | $1,205,000 | $241,000 | $585,000 | $107,000 | $131,000 |
| Other | 4 | $310,000 | $77,000 | $155,000 | $87,000 | $133,000 |
| Collateral | 4 | $530,000 | $132,000 | $215,000 | $109,000 | $226,000 |
| Unverifiable Information | 2 | $550,000 | $275,000 | $295,000 | $73,000 | $85,000 |
| Credit History | 1 | $235,000 | $235,000 | $235,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 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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