Refinance lenders in Davis County, Utah
Fat Boy Data analyzed mortgage refinance activity in Davis County, Utah, home to Layton, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 6,618 applications were decided by 190 lenders between 2023 and 2025.
Davis County at a glance
How Davis County compares
What the data shows
AMERICA FIRST Federal Credit Union made the most mortgage refinances in Davis County, UT, 2,072 of them.
That is 41% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.
First Colony Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 25.
The typical mortgage refinance here is $115K, 26% smaller than the Utah typical of $155K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Refinance lenders in Davis County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | AMERICA FIRST Federal Credit Union | 86% | 2,176 / 2,529 | 95% | $105K | 2,072 |
| 2 | Mountain America Federal Credit Union | 61% | 594 / 969 | 99% | $115K | 587 |
| 3 | United Wholesale Mortgage, LLCBroker only | 90% | 447 / 498 | 98% | $485K | 438 |
| 4 | Goldenwest | 80% | 253 / 318 | 89% | $125K | 226 |
| 5 | Zions Bancorporation, N.A. | 83% | 164 / 197 | 90% | $255K | 147 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 185 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage refinance lenders in Davis County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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