DSCR Loans in Davis County, Utah
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 71 lenders made 264 investment-property loans in Davis County, 5.4% of Utah's total. Dominick Prevete arranges DSCR loans across Davis County, Utah, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $335,000.
Davis County investor market at a glance
| Statistic | Davis County | Utah | County rank |
|---|---|---|---|
| Investor loans | 264 | 4,901 | 5th of 9 |
| Reporting lenders | 71 | 256 | 6th of 9 |
| Loan volume | $94.7M | $2.10B | 7th of 9 |
| Average loan | $359K | $429K | 5th of 9 |
| Median loan | $345K | $345K | 5th of 9 |
| Purchases | 57.2% | 61.2% | 7th of 9 |
| Cash-out refinances | 18.2% | 17.0% | 3rd of 9 |
| 2–4 unit properties | 7.6% | 8.7% | 5th of 9 |
| Top five lenders' share | 36.4% | 30.5% | 4th of 9 |
| Reported business-purpose | 75.4% | 69.7% | 2nd of 9 |
Davis County: closed-end loans on 1–4 unit investment properties. Davis County's rank is highest first, among Utah's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Davis County's investor loans.
What stands out in Davis County
By share of investor loans reported as business-purpose, Davis County ranks 2nd-highest of Utah's 9 counties with published data (statewide: 69.7%).
75.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Davis County's 264 investor loans ranked 5th of Utah's 9 counties with published data.
Does a DSCR loan pencil in Davis County?
At HUD's fair market rent of $2,132 for a 3-bedroom in Davis County, Utah, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Davis County's median home value is $505,500; at that price the payment is $3,191 a month, so the property would need $3,200 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,591 / $2,132 / $2,550 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $505,500 |
| Median property taxes and effective rate | $2,665 (0.53% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,191 |
| Rent needed to cover that payment | $3,200 |
| Coverage of a 3-bedroom at fair market rent | 0.67 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Davis County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Davis County?
The most active investment-property lenders in Davis County in 2025 HMDA data were AMERICA FIRST Federal Credit Union; United Wholesale Mortgage; and KIND LENDING, LLC, out of 71 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders and matches each file to the one most likely to fund it.
Davis County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 264 loans and $94.7M from 71 lenders. AMERICA FIRST Federal Credit Union led Davis County with 23 loans, 8.7% of the county's total, and the average Davis County loan of $359K compares with $429K across Utah.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 23 | $3.5M | $154K | 17.4% |
| United Wholesale Mortgage | 20 | $7.7M | $385K | 50.0% |
| KIND LENDING, LLC | 20 | $7.5M | $376K | 70.0% |
| THE LOAN STORE, INC. | 20 | $6.8M | $339K | 65.0% |
| GUILD MORTGAGE COMPANY | 13 | $5.3M | $405K | 76.9% |
| Rocket Mortgage, LLC | 11 | $4.6M | $420K | 54.5% |
| INTERCAP LENDING INC. | 11 | $4.3M | $387K | 72.7% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | $3.2M | $359K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 8 | $3.5M | $434K | 75.0% |
| CONVENTUS LLC | 8 | $3.0M | $374K | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | $2.7M | $382K | 28.6% |
| GOLDENWEST | 7 | $2.2M | $312K | 42.9% |
| Mountain America Federal Credit Union | 7 | $2.1M | $305K | 85.7% |
| Fairway Independent Mortgage Corporation | 5 | $1.9M | $375K | 80.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $1.9M | $373K | 0.0% |
| OCMBC, INC. | 5 | $1.3M | $251K | 40.0% |
| Deseret First Credit Union | 4 | $1.3M | $315K | 50.0% |
| Glacier Bank | 4 | $0.9M | $238K | 100.0% |
| Emporium TPO LLC | 3 | $1.9M | $632K | 33.3% |
| LENDSURE MORTGAGE CORP. | 3 | $1.7M | $552K | 66.7% |
| NEWREZ LLC | 3 | $1.5M | $508K | 0.0% |
| GUARANTEED RATE, INC. | 3 | $1.5M | $488K | 33.3% |
| RANLIFE, INC. | 3 | $1.2M | $408K | 66.7% |
| Bank of Utah | 3 | $0.9M | $298K | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | $1.0M | $505K | 50.0% |
2 Utah loans (0%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Davis County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Davis County CSV, all 25 lenders
What Davis County's table can't show you: fit. Short-term financing is exempt from HMDA, so Davis County's fix-and-flip and bridge lenders barely appear among its 71 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Davis County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Davis County |
|---|---|---|---|
| Salt Lake County, UT | 1,319 | 151 | Borders Davis County |
| Weber County, UT | 325 | 83 | Borders Davis County |
| Cache County, UT | 158 | 43 | About 55 miles away |
| Summit County, UT | 193 | 82 | About 65 miles away |
| Utah County, UT | 1,080 | 125 | About 70 miles away |
| Wasatch County, UT | 212 | 69 | About 75 miles away |
| Bannock County, ID | 148 | 46 | About 115 miles away |
Run the coverage test on your Davis County, Utah deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Davis County, Utah property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Davis County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 71 lenders and 264 loans: 2025 HMDA loan-level data rolled up to Davis County.
- Davis County investor-lender dataset (CSV) — All 25 lenders in the Davis County, Utah table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Davis County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Ogden, UT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Davis County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.