Home financing in Davis County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Davis County line, but 9 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingPersonal Financing
The doors in Davis County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
Based elsewhere, with a member-facing office inside the Davis County line. You can walk in.
- America First Credit UnionPersonal · Home · Business capital
- Canyon View Credit UnionPersonal · Home · Business capital
- Cyprus Credit UnionPersonal · Home · Business capital
- Deseret First Credit UnionPersonal · Home · Business capital
- Goldenwest Credit UnionCDFI-certifiedPersonal · Home · Business capital
- IN THIS LIST
1 of the 12 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Granite Credit UnionPersonal · Home · Business capital
Show the other 3Show fewer
- Mountain America Credit UnionPersonal · Home · Business capital
- Security Service Credit UnionPersonal · Home · Business capital
- Utah First Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Davis County, Utah is one of the fastest-growing counties in the state, sitting between Salt Lake City and Ogden along the Wasatch Front. Whether you're buying your first home in Layton, refinancing in Bountiful, or investing in a small rental property in Kaysville, this guide walks you through local financing options, who qualifies, what documents you'll need, and which local lenders and community organizations actually serve Davis County residents. We highlight the local intermediary layer — credit unions, CDFIs, and ITIN-friendly lenders — because those are often the most accessible and fair entry points into homeownership for contractors, self-employed workers, and immigrant families.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Goldenwest Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
America First Credit Union · Canyon View Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN DAVIS COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN DAVIS COUNTY →22UT COUNTIES WITH DOORSThe whole stateEvery county in Utah, in this same lane.32 institutions fund home financing inside Utah county lines.OPEN THE STATE →
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