Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Davis County, Utah
Every institution that decided a 1–4 unit mortgage application in Davis County, home to Layton, between 2023 and 2025: 30,939 applications, 24,777 loans actually funded, across 8 kinds of borrowing.
Davis County at a glance
30,939Applications decided
2023–2025
24,777Loans funded
80% of decisions
66Census tracts
12 ZIP codes
366,742People
ACS 2023
What the data shows
The typical purchase mortgage here is $435K.
Investment home improvement is the hardest money to get here: lenders approved 64% of 208 applications.
Lending by loan type in Davis County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.5% | 12,832 | $435K | 96% | 289 |
| Home improvement loans | 82.9% | 6,101 | $65K | 94% | 77 |
| Cash-out refinance | 76.4% | 4,199 | $175K | 94% | 188 |
| Refinance | 80.5% | 6,618 | $115K | 94% | 190 |
| Investment property purchase | 81.3% | 566 | $345K | 97% | 123 |
| Investment cash-out refinance | 75.9% | 203 | $305K | 94% | 64 |
| Investment refinance | 74.1% | 212 | $305K | 89% | 58 |
| Investment home improvement | 63.9% | 208 | $105K | 96% | 22 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.