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Mortgage Loans in Clearfield, UT

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Mortgage Loan

How the process works



There are a few critical documents we will need to verify to start your process.



The appraisal ensures the home you are buying is worth the price that is being offered.


Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.


Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.


Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.



Signing the final documentation and receiving the keys to your new home!


All about Clearfield, UT

Clearfield is a city in Davis CountyUtah, United States. The population was 31,364 at the 2020 census. The city grew rapidly during the 1940s, with the formation of Hill Air Force Base, and in the 1950s with the nationwide increase in suburb and “bedroom” community populations and has been steadily growing since then.

Clearfield is a principal city of the Ogden–Clearfield, Utah Metropolitan Statistical Area, which includes all of Davis, Morgan, and Weber counties.


History of Clearfield, UT

Clearfield was one of the last communities to be settled in the northern part of Davis County (1877). Hunters and Native American warriors knew this land before the first white man settled here. They referred to it as the land of wind and sand. It was the arrival of the railroad that first awakened the area in 1869 and stirred the sleeping Sand Ridge, which it was once known as until the name was later changed to Clearfield.

There was no water for those early families until wells could be successfully dug. The only water available at first had to be hauled in large barrels from Kays Creek in East Layton. But the great event that did more to transform the bleak Sand Ridge into a fertile garden spot was the coming of the Davis and Weber Counties Canal in 1884. This caused an immediate population boom in the area as people plowed up the sagebrushcactus, and prickly pears, and homes and farms began to appear throughout the area.

Many Clearfield children went to school nearby in Syracuse by walking several miles a day. In 1907, the new Clearfield Elementary School opened its doors to those same children. The school taught first through eighth grades and operated until 1923, when it was destroyed by fire. The new building later acquired the name Pioneer School. North Davis Junior High School was built and opened its doors in 1939. The building cost approximately $170,000 to build. That first year, there were 18 faculty members and 585 students.

Throughout the following years, Clearfield was known as a peaceful farming community. However, the addition of defense installations in the areas changed the agricultural community. Construction began on Hill Field (Hill Air Force Base) in 1940, and the facility eventually stretched along the eastern border of Clearfield. The base has since provided many jobs for civilians and is one of Utah’s major employers.

On the southwestern side of Clearfield, the U.S. Navy installed the Clearfield Naval Supply Depot in 1943. Clearfield was considered a prime location for the depot because of its relative security from enemy attack, nearby air transportation at Hill Air Force Base, and the proximity of railroads and highways. The dry climate was ideal for storage, and there was a good supply of manpower.

Another more modern school, South Clearfield Elementary, was added in 1950 to help keep pace with the growing population.

The early winter of 1959 saw the beginnings of Clearfield High School, the first high school in northern Davis County.

The Clearfield Naval Supply Depot was eventually phased out by 1962, but the facility did not stay empty for long. Private firms soon began moving into the large warehouse buildings. The area became known as the Freeport Center and is a major western hub for manufacturing, warehousing, and distribution.


Geography and Demographics Clearfield, UT

Clearfield City has a total land area of 7.8 square miles (20.1 km2), and a population of 30,112 as of the 2010 Census, making it the third largest city in Davis County, behind Layton and Bountiful. This creates a population density of 1498.1 people per square kilometer or 3860.5 people per square mile. Clearfield City has an average elevation of 4,327 feet (1,320 m) above sea level. The lowest point within the boundaries of the city is 4,314 feet (1,315 m) at the intersection of 1000 West and Antelope Drive on the city’s western edge, and the highest is 4,711 feet (1,436 m) at a point that is within the city’s northeast corner but physically located on Hill Air Force Base property along Constitution Way in their housing area. (AGRC)

The city is located in the north-central portion of Davis County. The county is surrounded by the Great Salt Lake to the west and the steep Wasatch Range on the east, although neither of these notable natural landmarks is physically within the city boundaries. Directly encircling Clearfield are the cities/areas of Sunset City to the north, Clinton City to the northwest, Syracuse City and West Point City to the west, Layton City to the south and east, and Hill Air Force Base military installation to the northeast.

The highest mountaintops visible from Clearfield City are Deseret Peak in Tooele County at 11,031 feet (3,362 m), Ben Lomond Peak in Weber County at 9,712 feet (2,960 m), and Thurston Peak, just to the west of Clearfield at 9,706 feet (2,958 m). Ben Lomond Peak and Thurston Peak are located in the Wasatch Range. The Wasatch Fault is found along the western base of the Wasatch Range and is considered overdue for an earthquake as large as 7.5. Catastrophic damage is predicted in the event of an earthquake, with major damage resulting from the liquefaction of the clay- and sand-based soil. The largest earthquake that has occurred near Clearfield City in the recorded past occurred on 12/7/1967 and was 21.5 miles (34.6 km) away in Park City, Utah, and registered at a magnitude of 4.3.

According to the 2020 United States Census, in the city of Clearfield there were 31,364 people living in 9,644 households. The population density was 4,021 per square mile, with a total land area of 7.8 miles. Of the population 25 years and older, 16.2% have earned a bachelor’s degree, while 5.6% have a graduate or professional degree. Of those 25 and older, 92.1% are high school graduates or higher. 6.6% of the city’s housing units were vacant in 2020.

In 2020, the median income for a household in the city was $60,260 and the median income for a family was $63,558.


Strategic Mortgage

2564 Washington Blvd, Ogden, UT 84401

NMLS #2383709

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.


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