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2024 data HMDA 2024 disclosure official source

Davis County

15,945 mortgage applications, 14.3% denial rate. Verify FIPS 49011 with U.S. Census Bureau →

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Utah · FIPS 49011

Local mortgage market. Davis County, Utah saw 15,945 HMDA-reported mortgage applications in 2024. Lenders originated 9,524 of those loans and denied 2,288, producing a denial rate of 14.3% and an approval (origination) rate of 59.7%. The average loan amount was $306,069 at an average note rate of 7.30%, with applicants self-reporting average annual income of $38K. 250 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.1x, meaning typical borrowers took on mortgages of about 8.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 49011 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

15,945
Applications
9,524
Originated
14.3%
Denial Rate
59.7%
Approval Rate
$306,069
Avg Loan Amount
7.30%
Avg Interest Rate
$38K
Avg Applicant Income
8.1x
Loan-to-Income Ratio

Nearby Lenders in Davis County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 America First Federal Credit Union 2,416 25.4%
2 United Wholesale Mortgage 851 8.9%
3 Goldenwest Credit Union 584 6.1%
4 Mountain America Federal Credit Union 578 6.1%
5 Rocket Mortgage 441 4.6%
Compare America First Federal Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Davis County?
In the 2024 HMDA reporting year, 15,945 mortgage applications were filed in Davis County, Utah. Of these, 9,524 were originated (approved and funded), while 2,288 were denied, resulting in a denial rate of 14.3%.
What is the mortgage denial rate in Davis County?
The mortgage denial rate in Davis County is 14.3%. The approval (origination) rate is 59.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Davis County?
The average mortgage loan amount in Davis County is $306,069. The average interest rate is 7.297%. The average applicant income is $38K.
What is the loan-to-income ratio in Davis County?
The average loan-to-income ratio in Davis County is 8.1x, meaning borrowers took on loans averaging 8.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Davis County?
The top mortgage lenders in Davis County by origination volume are America First Federal Credit Union, United Wholesale Mortgage, Goldenwest Credit Union. In total, 250 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.