Mortgage lenders in Davis County
10,402 mortgages were made in Davis County, Utah, in 2025, by 290 lenders. The median rate their borrowers got was 6.740% on a median loan of $285,000. Of 13,157 decisions, 2,126 were denials — 16.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 2,323 | 6.990% | $105,000 | 13.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 868 | 6.125% | $465,000 | 8.3% |
| Mountain America Federal Credit Union | 595 | 7.490% | $115,000 | 37.6% |
| GOLDENWEST | 594 | 7.500% | $125,000 | 14.7% |
| Rocket Mortgage, LLC | 564 | 6.625% | $325,000 | 13.4% |
| INTERCAP LENDING INC. | 383 | 6.500% | $435,000 | 0.3% |
| GUILD MORTGAGE COMPANY | 374 | 6.490% | $425,000 | 1.3% |
| KIND LENDING, LLC | 304 | 6.375% | $455,000 | 17.1% |
| THE LOAN STORE, INC. | 180 | 6.625% | $400,000 | 2.5% |
| UTAH FIRST | 156 | 7.500% | $125,000 | 23.8% |
| PENNYMAC LOAN SERVICES, LLC | 155 | 6.499% | $355,000 | 7.1% |
| FIRST COLONY MORTGAGE CORPORATION | 150 | 6.375% | $405,000 | 3.2% |
| Zions Bancorporation, N.A. | 146 | 6.490% | $295,000 | 20.7% |
| Deseret First Credit Union | 144 | 7.500% | $150,000 | 13.5% |
| CLM MORTGAGE, INC. | 129 | 6.125% | $495,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 127 | 6.250% | $435,000 | 7.1% |
| Fairway Independent Mortgage Corporation | 118 | 6.563% | $475,000 | 2.5% |
| FREEDOM MORTGAGE CORPORATION | 102 | 6.250% | $475,000 | 11.6% |
| Plains Commerce Bank | 99 | 6.500% | $405,000 | 7.5% |
| NATIONSTAR MORTGAGE LLC | 98 | 8.500% | $120,000 | 12.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 96 | 6.500% | $385,000 | 5.9% |
| MY MOVE MORTGAGE, LLC | 94 | 6.125% | $460,000 | 0.0% |
| Loandepot.Com, LLC | 78 | 7.125% | $210,000 | 19.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | 72 | 6.563% | $385,000 | 2.7% |
| RANLIFE, INC. | 70 | 6.188% | $430,000 | 0.0% |
| University First Federal Credit Union | 69 | 4.990% | $125,000 | 27.6% |
| DIRECT RATE HOME LOANS, INC | 67 | 6.499% | $485,000 | 2.9% |
| NEWREZ LLC | 66 | 6.625% | $425,000 | 28.9% |
| Mortgage Research Center, LLC | 65 | 5.875% | $485,000 | 30.5% |
| U.S. Bank National Association | 64 | 7.650% | $125,000 | 40.5% |
| Broker Solutions, Inc. | 60 | 6.933% | $360,000 | 13.7% |
| CANOPY MORTGAGE, LLC | 60 | 6.250% | $450,000 | 9.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 57 | 6.375% | $465,000 | 1.7% |
| CYPRUS Federal Credit Union | 54 | 5.058% | $110,000 | 21.7% |
| Bank of Utah | 54 | 6.125% | $385,000 | 0.0% |
| GUARANTEED RATE, INC. | 52 | 6.500% | $450,000 | 11.9% |
| SPRING EQ, LLC | 51 | 9.125% | $105,000 | 50.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 50 | 6.313% | $410,000 | 3.9% |
| LAKEVIEW LOAN SERVICING, LLC | 44 | 5.990% | $445,000 | 48.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 44 | 7.933% | $160,000 | 11.8% |
| Navy Federal Credit Union | 41 | 7.625% | $345,000 | 31.8% |
| JPMorgan Chase Bank, National Association | 40 | 6.375% | $400,000 | 10.6% |
| SWBC MORTGAGE CORPORATION | 38 | 6.500% | $435,000 | 0.0% |
| Coastal Community Bank | 36 | 10.240% | $100,000 | 2.4% |
| VERITAS FUNDING, LLC | 36 | 6.250% | $620,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 35 | 6.500% | $385,000 | 2.8% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 33 | 6.990% | $185,000 | 21.4% |
| Glacier Bank | 32 | 6.788% | $280,000 | 22.0% |
| TRIAD FINANCIAL SERVICES, INC. | 30 | 8.815% | $65,000 | 31.1% |
| Paramount Residential Mortgage Group, Inc. | 30 | 6.125% | $455,000 | 0.0% |
| CMG MORTGAGE, INC. | 30 | 6.063% | $455,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 28 | 6.125% | $435,000 | 0.0% |
| FIGURE LENDING LLC | 27 | 8.950% | $75,000 | 20.9% |
| RESICENTRAL, LLC | 27 | 6.490% | $345,000 | 6.5% |
| SECURITY HOME MORTGAGE, LLC. | 26 | 6.433% | $485,000 | 0.0% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 23 | 6.990% | $205,000 | 15.0% |
| AMWEST FUNDING CORP. | 23 | 6.375% | $455,000 | 8.0% |
| Sierra Pacific Mortgage Company, Inc. | 23 | 6.625% | $405,000 | 0.0% |
| AmeriSave Mortgage Corporation | 22 | 8.438% | $70,000 | 54.7% |
| GoodLeap, LLC | 22 | 7.575% | $60,000 | 29.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 22 | 6.438% | $400,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 20 | 5.750% | $525,000 | 20.0% |
| Wells Fargo Bank, National Association | 20 | 6.000% | $280,000 | 31.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 19 | 6.625% | $425,000 | 0.0% |
| KeyBank National Association | 18 | 7.163% | $360,000 | 33.3% |
| ASCENT | 18 | 6.490% | $115,000 | 5.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.125% | $345,000 | 19.1% |
| FINANCE OF AMERICA REVERSE LLC | 17 | 6.375% | $185,000 | 10.5% |
| AMERICAN FINANCING CORPORATION | 16 | 6.500% | $300,000 | 55.0% |
| BETTER MORTGAGE CORPORATION | 16 | 6.563% | $520,000 | 48.5% |
| JMAC LENDING, INC. | 16 | 6.313% | $480,000 | 5.9% |
| CORNERSTONE CAPITAL BANK, SSB | 16 | 7.938% | $250,000 | 5.9% |
| Bank of America, National Association | 15 | 5.990% | $305,000 | 37.5% |
| The Federal Savings Bank | 15 | 5.750% | $545,000 | 23.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.188% | $255,000 | 62.5% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.125% | $485,000 | 51.8% |
| CHARTWAY FEDERAL CREDIT UNION | 12 | 6.063% | $180,000 | 55.6% |
| PHH Mortgage Corporation | 12 | 6.058% | $285,000 | 29.4% |
| GRANITE FEDERAL CREDIT UNION | 12 | 4.995% | $110,000 | 10.5% |
| ALLIANT CREDIT UNION | 12 | 8.000% | $190,000 | 25.0% |
| Northpointe Bank | 12 | 6.625% | $660,000 | 7.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.250% | $465,000 | 8.3% |
| LONGBRIDGE FINANCIAL, LLC | 11 | 6.000% | $215,000 | 7.7% |
| VAN DYK MORTGAGE CORPORATION | 11 | 6.500% | $445,000 | 0.0% |
| 21st Mortgage Corporation | 10 | 11.880% | $95,000 | 80.8% |
| Discover Bank | 10 | 8.475% | $75,000 | 74.4% |
| HORIZON UTAH Federal Credit Union | 10 | 7.375% | $100,000 | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.185% | $430,000 | 16.7% |
| PLANET HOME LENDING, LLC | 10 | 5.750% | $410,000 | 0.0% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cache Valley Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | Under 10 loans | Under 10 loans | 82.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| American United Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NEST HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FRANKLIN LOAN CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wasatch Peaks Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 46.2% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GEORGIA'S OWN | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Banterra Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| CHEVRON Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| INSPIRE HOME LOANS INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| D. L. EVANS BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Utah Mortgage Loan Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DELTA COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Patriot Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 20.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDAHO CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIORITY HOME MORTGAGE, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 90 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Davis County
43 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Zions Bancorporation, N.A. | 8 | $1.1 billion |
| Wells Fargo Bank, National Association | 8 | $774.3 million |
| Glacier Bank | 5 | $320.3 million |
| U.S. Bank National Association | 4 | $173.6 million |
| Bank of America, National Association | 4 | $20.2 million |
| JPMorgan Chase Bank, National Association | 3 | $419.7 million |
| KeyBank National Association | 3 | $98.9 million |
| Bank of Utah | 2 | $265.1 million |
| Cache Valley Bank | 2 | $199.4 million |
| Prime Alliance Bank | 1 | $966.1 million |
| D. L. Evans Bank | 1 | $24.0 million |
| WaFd Bank | 1 | $13.8 million |
| BMO Bank National Association | 1 | $13.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- NBH Bank, 801 N 500 W, Ste 202, West Bountiful
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When the next year’s lending figures are out for Davis County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.