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refinance lenders · HMDA 2023–2025

Refinance lenders in Davis County, Utah

Fat Boy Data analyzed mortgage refinance activity in Davis County, Utah to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 6,618 applications were decided by 190 lenders between 2023 and 2025.

Davis County at a glance

190Active lenders34 with 20+ decisions
80.5%Market approval rate5,329 of 6,618 decided
$115KTypical loanmedian lender, $10K brackets
94%Borrower take-up5,011 loans funded

How Davis County compares

Approval rate compared
Davis County80.5%Utah76.8%All 616 counties76.5%
Typical loan compared
Davis County$115KUtah$155KAll 616 counties$295K

What the data shows

AMERICA FIRST Federal Credit Union made the most mortgage refinances in Davis County, UT, 2,072 of them.

That is 41% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.

First Colony Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 25.

The typical mortgage refinance here is $115K, 26% smaller than the Utah typical of $155K.

Approval rate of all 34 lenders with 20+ decisions here
0%25%50%75%100%American Financing Corporation: 21% approved of 28Discover Bank: 30% approved of 89Mortgage Research Center, LLC: 44% approved of 27Spring Eq, LLC: 52% approved of 25Canyon View: 60% approved of 43Mountain America Federal Credit Union: 61% approved of 969Lakeview Loan Servicing, LLC: 65% approved of 131Newrez LLC: 73% approved of 37Utah First: 73% approved of 63Kind Lending, LLC: 73% approved of 52Mutual of Omaha Mortgage, Inc.: 76% approved of 21Goldenwest: 80% approved of 318Onity Mortgage Corporation: 82% approved of 28Rocket Mortgage, LLC: 83% approved of 179Zions Bancorporation, N.A.: 83% approved of 197KeyBank National Association: 83% approved of 24Utah Community Federal Credit Union: 84% approved of 45Deseret First Credit Union: 85% approved of 20Pennymac Loan Services, LLC: 86% approved of 76AMERICA FIRST Federal Credit Union: 86% approved of 2,529Nationstar Mortgage LLC: 87% approved of 23Finance of America Reverse LLC: 88% approved of 33United Wholesale Mortgage, LLC: 90% approved of 498Freedom Mortgage Corporation: 92% approved of 128U.S. Bank National Association: 93% approved of 28Longbridge Financial, LLC: 93% approved of 28Guild Mortgage Company LLC: 94% approved of 53Provident Funding Associates, L.P.: 95% approved of 60The Loan Store, Inc.: 96% approved of 25Ranlife, Inc.: 96% approved of 26Village Capital & Investment LLC: 98% approved of 51Intercap Lending Inc.: 99% approved of 85First Colony Mortgage Corporation: 100% approved of 25American Pacific Mortgage Corporation: 100% approved of 24

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Davis County

LenderApprovalApprovedTaken upTypical loanLoans made
1AMERICA FIRST Federal Credit Union86%2,176 / 2,52995%$105K2,072
2Mountain America Federal Credit Union61%594 / 96999%$115K587
3United Wholesale Mortgage, LLCBroker only90%447 / 49898%$485K438
4Goldenwest80%253 / 31889%$125K226
5Zions Bancorporation, N.A.83%164 / 19790%$255K147

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 185 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Davis County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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