Mortgage lending in Davis County
10,402 mortgages were originated in Davis County, Utah, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 10,402
- Median rate
- 6.740%
- Median lender fees
- $5,332
- Median loan amount
- $285,000
- Median spread over APOR
- 0.230
- Paid discount points
- 33%
- Received lender credits
- 18.9%
- Purchases / refinances
- 38.1% / 34.7%
- Conventional / FHA / VA
- 82.1% / 10.5% / 7.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $744,050
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Davis County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 2,323 | — | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 868 | $7,102 | 6.125% |
| Mountain America Federal Credit Union | 595 | — | 7.490% |
| GOLDENWEST | 594 | $4,472 | 7.500% |
| Rocket Mortgage, LLC | 564 | $4,495 | 6.625% |
| INTERCAP LENDING INC. | 383 | $6,748 | 6.500% |
| GUILD MORTGAGE COMPANY | 374 | $8,365 | 6.490% |
| KIND LENDING, LLC | 304 | $8,146 | 6.375% |
| THE LOAN STORE, INC. | 180 | $7,414 | 6.625% |
| UTAH FIRST | 156 | — | 7.500% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Davis County — not a rule of thumb.
From 6,785 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers