Mortgage lending in Davis County
10,402 mortgages were originated in Davis County, Utah, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. 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
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $285,000
- Above the going rate (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
- Median home price
- $520,000
- That home, 20% down
- $416,000
A median-priced home with 20% down leaves $416,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
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, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers