DSCR Loans in Iron County, Utah
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 42 lenders made 148 investment-property loans in Iron County, 3.0% of Utah's total. Dominick Prevete arranges DSCR loans across Iron 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 $250,000.
Iron County investor market at a glance
| Statistic | Iron County | Utah | County rank |
|---|---|---|---|
| Investor loans | 148 | 4,901 | 9th of 9 |
| Reporting lenders | 42 | 256 | 9th of 9 |
| Loan volume | $42.9M | $2.10B | 9th of 9 |
| Average loan | $290K | $429K | 9th of 9 |
| Median loan | $235K | $345K | 9th of 9 |
| Purchases | 66.9% | 61.2% | 2nd of 9 |
| Cash-out refinances | 16.9% | 17.0% | 4th of 9 |
| 2–4 unit properties | 7.4% | 8.7% | 6th of 9 |
| Top five lenders' share | 45.9% | 30.5% | 2nd of 9 |
| Reported business-purpose | 70.9% | 69.7% | 4th of 9 |
Iron County: closed-end loans on 1–4 unit investment properties. Iron County's rank is highest first, among Utah's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Iron County's investor loans.
What stands out in Iron County
The median investor loan in Iron County was $235K, the lowest median of Utah's 9 counties with published data (statewide: $345K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
66.9% of Iron County's investor loans were purchases, the 2nd-highest share of Utah's 9 counties with published data (statewide: 61.2%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
The five most active lenders wrote 45.9% of Iron County's investor loans, the 2nd-highest share of Utah's 9 counties with published data (statewide: 30.5%).
Five lenders write 45.9% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Iron County?
At HUD's fair market rent of $1,584 for a 3-bedroom in Iron County, Utah, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Iron County's median home value is $379,000; at that price the payment is $2,356 a month, so the property would need $2,375 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) | $1,144 / $1,584 / $1,912 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $379,000 |
| Median property taxes and effective rate | $1,558 (0.41% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,356 |
| Rent needed to cover that payment | $2,375 |
| Coverage of a 3-bedroom at fair market rent | 0.67 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
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 Iron County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Iron County?
The most active investment-property lenders in Iron County in 2025 HMDA data were State Bank of Southern Utah; THE LOAN STORE, INC.; and United Wholesale Mortgage, out of 42 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.
Iron County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 148 loans and $42.9M from 42 lenders. State Bank of Southern Utah led Iron County with 20 loans, 13.5% of the county's total, and the average Iron County loan of $290K compares with $429K across Utah.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| State Bank of Southern Utah | 20 | $5.9M | $296K | 60.0% |
| THE LOAN STORE, INC. | 16 | $4.3M | $269K | 87.5% |
| United Wholesale Mortgage | 12 | $3.5M | $288K | 66.7% |
| GUILD MORTGAGE COMPANY | 11 | $2.6M | $232K | 72.7% |
| DHI MORTGAGE COMPANY, LTD. | 9 | $1.7M | $194K | 100.0% |
| INTERCAP LENDING INC. | 8 | $2.3M | $281K | 62.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | $2.2M | $314K | 100.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 6 | $1.9M | $318K | 83.3% |
| Mountain America Federal Credit Union | 5 | $1.3M | $257K | 60.0% |
| Cache Valley Bank | 5 | $1.0M | $197K | 40.0% |
| JPMorgan Chase Bank, National Association | 4 | $1.1M | $283K | 100.0% |
| AMWEST FUNDING CORP. | 3 | $0.6M | $188K | 0.0% |
| BELEM SERVICING LLC | 3 | $0.6M | $188K | 66.7% |
| AMERICA FIRST Federal Credit Union | 3 | $0.5M | $178K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $1.4M | $680K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.8M | $425K | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | $0.8M | $375K | 50.0% |
| SUN AMERICAN MORTGAGE COMPANY | 2 | $0.7M | $335K | 100.0% |
| U.S. Bank National Association | 2 | $0.5M | $250K | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | $0.4M | $220K | 50.0% |
| NEWREZ LLC | 2 | $0.4M | $195K | 100.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | $0.3M | $160K | 100.0% |
| MidFirst Bank | 1 | $1.0M | $995K | 100.0% |
| Cornerstone First Mortgage, Inc | 1 | $0.9M | $905K | 100.0% |
| Zions Bancorporation, N.A. | 1 | $0.8M | $785K | 100.0% |
2 Utah loans (0%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Iron County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Iron County CSV, all 25 lenders
What Iron County's table can't show you: fit. Short-term financing is exempt from HMDA, so Iron County's fix-and-flip and bridge lenders barely appear among its 42 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 Iron County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Iron County |
|---|---|---|---|
| Washington County, UT | 721 | 100 | Borders Iron County |
| Clark County, NV | 4,614 | 245 | About 150 miles away |
| Mohave County, AZ | 571 | 128 | About 155 miles away |
| Coconino County, AZ | 319 | 102 | About 165 miles away |
Run the coverage test on your Iron County, Utah deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Iron 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 — Iron County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 42 lenders and 148 loans: 2025 HMDA loan-level data rolled up to Iron County.
- Iron County investor-lender dataset (CSV) — All 25 lenders in the Iron County, Utah table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Iron 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 Iron County, UT.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Iron 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.