Mortgage lending in Davis County, Utah
Lenders in Davis County, Utah reported 15,505 mortgage applications for 2025, according to the CFPB.
15,505 mortgage applications and 10,403 loans originated in 2025; the denial rate was 16.2% of 13,158 applications decided. The median loan was about $285,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Ogden, UT MSA.
- 15,505
- Applications
- 10,403
- Loans originated
- 16.2%
- Denial rate
- 2,126 denied of 13,158 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 15,505 | 10,403 |
| 2024 | 14,453 | 9,533 |
| 2023 | 13,969 | 9,161 |
| 2022 | 22,374 | 15,181 |
| 2021 | 39,746 | 28,914 |
| 2020 | 47,532 | 33,785 |
| 2019 | 29,392 | 20,232 |
| 2018 | 21,188 | 14,336 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| America First Federal Credit Union | 2,323 | 3,010 |
| United Wholesale Mortgage | 868 | 1,061 |
| Mountain America Federal Credit Union | 595 | 1,147 |
| Goldenwest Federal Credit Union | 594 | 811 |
| Rocket Mortgage | 564 | 727 |
| Intercap Lending Inc | 383 | 517 |
| Guild Mortgage Company | 374 | 494 |
| Kind Lending, LLC | 304 | 400 |
| The Loan Store, Inc | 180 | 227 |
| Utah First Credit Union | 156 | 224 |
| Pennymac Loan Services LLC | 155 | 228 |
| First Colony Mortgage Corporat | 150 | 175 |
| Zions Bancorporation, N.A. | 146 | 230 |
| Deseret First Credit Union | 144 | 183 |
| CLM Mortgage, Inc | 129 | 144 |
| Provident Funding Associates | 127 | 186 |
| Fairway Independent Mort Corp | 118 | 159 |
| Freedom Mortgage Corporation | 102 | 205 |
| Plains Commerce Bank | 99 | 138 |
| Nationstar Mortgage | 98 | 137 |
| American Pacific Mortgage Corporation | 96 | 119 |
| My Move Mortgage, LLC | 94 | 127 |
| loanDepot.com LLC | 78 | 114 |
| Securitynational Mortgage Company | 72 | 98 |
| RANLife, Inc. | 71 | 101 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 82 | 27.1% of 70 decided |
| Asian | 317 | 23.9% of 264 decided |
| Black or African American | 133 | 23.4% of 107 decided |
| Native Hawaiian or Other Pacific Islander | 109 | 41.9% of 93 decided |
| White | 12,577 | 15.4% of 10,854 decided |
| 2 or more minority races | 22 | no rate: base under 50 |
| Joint | 427 | 14.0% of 351 decided |
| Race Not Available | 1,838 | 18.2% of 1,399 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,246 | 25.0% of 1,004 decided |
| Not Hispanic or Latino | 11,924 | 15.2% of 10,296 decided |
| Joint | 572 | 16.1% of 497 decided |
| Ethnicity Not Available | 1,763 | 16.9% of 1,361 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,257 | 19.4% of 4,450 decided |
| Female | 2,348 | 20.4% of 1,997 decided |
| Joint | 7,016 | 12.4% of 6,046 decided |
| Sex Not Available | 884 | 15.5% of 665 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 384 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved