Davis County, UT Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 22,476 mortgage applications in Davis County, UT totaling $5.3 billion, down 20% from 2016. The average application was for $236,000, and applicants reported an average income of $79,000. 57% of applications resulted in an originated loan and 9% were denied. The most active lender was America First Federal Credit Union, with 1,652 applications, followed by Wells Fargo Bank NA and Academy Mortgage Corporation.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 22,476 |
| Total Mortgage Loan Application Amount | $5,307,785,000 |
| Average Mortgage Loan Application Amount | $236,000 |
| Highest Mortgage Loan Application Amount | $25,000,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $2,413,000 |
Top Mortgage Lenders in Davis County, UT (2017)
Ranked by the number of mortgage applications each lender reported in Davis County, UT in 2017.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | America First Federal Credit Union Riverdale, UT |
1,652 | $216,192,000 | $130,000 | $87,000 |
| 2 | Wells Fargo Bank NA Minneapolis, MN |
1,569 | $396,627,000 | $252,000 | $86,000 |
| 3 | Academy Mortgage Corporation Salt Lake City, UT |
1,297 | $296,776,000 | $228,000 | $83,000 |
| 4 | Citywide Home Loans, LLC Chicago, IL |
1,173 | $278,716,000 | $237,000 | $85,000 |
| 5 | Veritas Funding, LLC Midvale, UT |
743 | $199,400,000 | $268,000 | $89,000 |
| 6 | United Wholesale Mortgage Plymouth, MI |
645 | $163,059,000 | $252,000 | $86,000 |
| 7 | Provident Funding Associates Santa Rosa, CA |
588 | $147,618,000 | $251,000 | $94,000 |
| 8 | Mountain America Federal Credit Union Sandy, UT |
578 | $96,937,000 | $167,000 | $66,000 |
| 9 | JPMorgan Chase Bank, NA Columbus, OH |
531 | $142,528,000 | $268,000 | $95,000 |
| 10 | Goldenwest Federal Credit Union Ogden, UT |
531 | $97,163,000 | $182,000 | $90,000 |
The tables below break down 2017 mortgage applications in Davis County, UT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Davis County, UT in 2017
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 11,912 | $3,042,624,000 | $255,000 | $25,000,000 | $77,000 | $2,413,000 |
| Refinancing | 9,039 | $2,078,982,000 | $230,000 | $17,250,000 | $78,000 | $1,500,000 |
| Home Improvement | 1,525 | $186,179,000 | $122,000 | $975,000 | $94,000 | $1,550,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 16,444 | $3,770,737,000 | $229,000 | $2,460,000 | $88,000 | $2,413,000 |
| Not applicable | 2,171 | $688,579,000 | $317,000 | $25,000,000 | $9,000 | $954,000 |
| Not Provided | 1,708 | $398,642,000 | $233,000 | $3,000,000 | $87,000 | $1,008,000 |
| Hispanic | 1,363 | $256,287,000 | $188,000 | $720,000 | $64,000 | $1,798,000 |
| Asian | 410 | $109,457,000 | $266,000 | $1,500,000 | $91,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 158 | $35,036,000 | $221,000 | $424,000 | $71,000 | $379,000 |
| Black or African American | 154 | $35,097,000 | $227,000 | $537,000 | $73,000 | $221,000 |
| American Indian or Alaskan Native | 68 | $13,950,000 | $205,000 | $424,000 | $73,000 | $269,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 15,677 | $3,610,048,000 | $230,000 | $25,000,000 | $89,000 | $2,413,000 |
| FHA-insured (Federal Housing Administration) | 4,130 | $956,495,000 | $231,000 | $491,000 | $52,000 | $610,000 |
| VA-guaranteed (Veterans Administration) | 2,668 | $740,989,000 | $277,000 | $753,000 | $61,000 | $415,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $253,000 | $253,000 | $253,000 | $75,000 | $75,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 12,756 | $2,931,068,000 | $229,000 | $17,200,000 | $87,000 | $2,413,000 |
| Loan Purchased By The Institution | 3,666 | $947,769,000 | $258,000 | $1,060,000 | $43,000 | $954,000 |
| Application Withdrawn By Applicant | 2,606 | $640,154,000 | $245,000 | $17,250,000 | $84,000 | $1,798,000 |
| Application Denied By Financial Institution | 2,048 | $429,589,000 | $209,000 | $3,000,000 | $79,000 | $2,288,000 |
| File Closed For Incompleteness | 855 | $237,049,000 | $277,000 | $25,000,000 | $84,000 | $840,000 |
| Application Approved But Not Accepted | 545 | $122,156,000 | $224,000 | $1,475,000 | $90,000 | $1,053,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 361 | $54,418,000 | $150,000 | $926,000 | $75,000 | $459,000 |
| Debt-To-Income Ratio | 356 | $85,613,000 | $240,000 | $3,000,000 | $65,000 | $623,000 |
| Credit Application Incomplete | 238 | $54,045,000 | $227,000 | $1,108,000 | $92,000 | $829,000 |
| Unverifiable Information | 187 | $37,092,000 | $198,000 | $653,000 | $103,000 | $1,550,000 |
| Collateral | 147 | $39,207,000 | $266,000 | $2,460,000 | $99,000 | $702,000 |
| Other | 99 | $20,658,000 | $208,000 | $690,000 | $119,000 | $2,288,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $9,786,000 | $238,000 | $608,000 | $93,000 | $213,000 |
| Employment History | 27 | $5,508,000 | $204,000 | $380,000 | $72,000 | $214,000 |
| Mortgage Insurance Denied | 1 | $10,000 | $10,000 | $10,000 | $65,000 | $65,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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