Home purchase lenders in Davis County
3,965 home purchase mortgages were made in Davis County, Utah, in 2025, by 221 lenders. The median rate their borrowers got was 6.375% on a median loan of $445,000. Of 4,513 decisions, 377 were denials — 8.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 511 | 6.445% | $465,000 | 4.8% |
| INTERCAP LENDING INC. | 309 | 6.500% | $435,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 295 | 6.490% | $445,000 | 0.3% |
| KIND LENDING, LLC | 226 | 6.375% | $475,000 | 15.8% |
| Rocket Mortgage, LLC | 176 | 6.375% | $445,000 | 8.8% |
| AMERICA FIRST Federal Credit Union | 128 | 6.625% | $255,000 | 13.1% |
| FIRST COLONY MORTGAGE CORPORATION | 128 | 6.375% | $405,000 | 3.7% |
| CLM MORTGAGE, INC. | 128 | 6.125% | $495,000 | 0.0% |
| THE LOAN STORE, INC. | 127 | 6.490% | $455,000 | 1.5% |
| Fairway Independent Mortgage Corporation | 95 | 6.625% | $485,000 | 1.0% |
| Plains Commerce Bank | 94 | 6.500% | $405,000 | 6.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 89 | 6.250% | $455,000 | 6.1% |
| MY MOVE MORTGAGE, LLC | 83 | 6.125% | $485,000 | 0.0% |
| Mountain America Federal Credit Union | 74 | 6.125% | $390,000 | 23.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 73 | 6.500% | $385,000 | 4.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 69 | 6.625% | $385,000 | 0.0% |
| Mortgage Research Center, LLC | 55 | 5.875% | $485,000 | 3.5% |
| DIRECT RATE HOME LOANS, INC | 54 | 6.500% | $470,000 | 3.6% |
| GOLDENWEST | 52 | 6.250% | $385,000 | 14.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 50 | 6.188% | $465,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 46 | 6.375% | $480,000 | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | 46 | 6.250% | $510,000 | 7.8% |
| RANLIFE, INC. | 44 | 6.125% | $425,000 | 0.0% |
| GUARANTEED RATE, INC. | 37 | 6.500% | $465,000 | 0.0% |
| Bank of Utah | 37 | 6.125% | $425,000 | 0.0% |
| VERITAS FUNDING, LLC | 36 | 6.250% | $620,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 32 | 6.500% | $455,000 | 0.0% |
| Broker Solutions, Inc. | 31 | 6.875% | $385,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 30 | 8.815% | $65,000 | 30.0% |
| GUARANTEED RATE AFFINITY, LLC | 29 | 6.500% | $385,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 29 | 6.188% | $455,000 | 0.0% |
| Zions Bancorporation, N.A. | 23 | 6.000% | $635,000 | 15.6% |
| CMG MORTGAGE, INC. | 23 | 6.000% | $445,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 23 | 6.125% | $445,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 21 | 6.375% | $485,000 | 0.0% |
| Deseret First Credit Union | 21 | 6.250% | $415,000 | 4.4% |
| SECURITY HOME MORTGAGE, LLC. | 20 | 6.495% | $495,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 19 | 6.250% | $405,000 | 17.4% |
| RESICENTRAL, LLC | 19 | 6.250% | $355,000 | 9.1% |
| U.S. Bank National Association | 19 | 6.375% | $415,000 | 5.0% |
| Navy Federal Credit Union | 18 | 6.000% | $510,000 | 9.5% |
| NEWREZ LLC | 18 | 6.500% | $485,000 | 17.4% |
| AMWEST FUNDING CORP. | 18 | 6.438% | $455,000 | 10.0% |
| Sierra Pacific Mortgage Company, Inc. | 18 | 6.625% | $435,000 | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 18 | 6.500% | $400,000 | 0.0% |
| Glacier Bank | 17 | 6.250% | $375,000 | 10.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 16 | 6.625% | $415,000 | 0.0% |
| JMAC LENDING, INC. | 11 | 6.500% | $505,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.125% | $485,000 | 50.0% |
| BETTER MORTGAGE CORPORATION | 10 | 6.063% | $555,000 | 33.3% |
| UTAH FIRST | 10 | 7.500% | $225,000 | 16.7% |
| Loandepot.Com, LLC | 10 | 6.688% | $405,000 | 9.1% |
| VAN DYK MORTGAGE CORPORATION | 10 | 6.500% | $470,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 81.6% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | Under 10 loans | Under 10 loans | 82.2% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CYPRUS Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEST HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cache Valley Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGEONE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ALAMEDA MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE 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% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| University First Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 25.0% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Banterra Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CORNERSTONE CAPITAL BANK, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| SUN AMERICAN MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GRANITE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASCENT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Mortgage Loan Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 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% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| D. L. EVANS BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIORITY HOME MORTGAGE, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HORIZON UTAH Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wasatch Peaks Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDAHO CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EXPRESS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| City Lending Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Watermark Capital, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY-VALLEY MORTGAGE GROUP | 0 | Under 10 loans | Under 10 loans | Not published |
| Summit Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| FAIRWINDS CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WESCOM CENTRAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 21 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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. 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.