DSCR Loans in 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)
Dominick Prevete arranges DSCR loans across 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. In 2025 HMDA data, 256 lenders made 4,901 investment-property loans in Utah; the most active are in the table below, and 9 counties have their own page.
Utah investor market at a glance
| Statistic | Utah | National | State rank |
|---|---|---|---|
| Investor loans | 4,901 | 553,332 | 34th of 51 |
| Reporting lenders | 256 | 4,120 | 36th of 51 |
| Loan volume | $2.10B | $190.57B | 23rd of 51 |
| Average loan | $429K | $344K | 11th of 51 |
| Median loan | $345K | — | 10th of 51 |
| Purchases | 61.2% | 59.2% | 23rd of 51 |
| Cash-out refinances | 17.0% | 18.8% | 28th of 51 |
| 2–4 unit properties | 8.7% | 17.3% | 42nd of 51 |
| Top five lenders' share | 30.5% | 21.9% | 9th of 51 |
| Reported business-purpose | 69.7% | 70.8% | 22nd of 51 |
Utah: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Utah
The five most active lenders wrote 30.5% of Utah's investor loans, the 9th-highest share of the 50 states and DC (national figure: 21.9%).
Five lenders write 30.5% of the loans here, so comparing written term sheets matters more.
8.7% of Utah's investor loans financed a 2–4 unit property, the 10th-lowest share of the 50 states and DC (national figure: 17.3%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The median investor loan in Utah was $345K, the 10th-highest median of the 50 states and DC.
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Who are the DSCR and investment-property lenders in Utah?
The most active investment-property lenders in Utah in 2025 HMDA data were THE LOAN STORE, INC.; United Wholesale Mortgage; and FIRST COLONY MORTGAGE CORPORATION, out of 256 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, including several that reported in Utah, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Utah's 2025 filings to closed-end loans on 1–4 unit investment properties: 4,901 loans totaling $2.10B across 256 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| THE LOAN STORE, INC. | 393 | $140.5M | $357K | 62.8% |
| United Wholesale Mortgage | 389 | $150.3M | $386K | 53.2% |
| FIRST COLONY MORTGAGE CORPORATION | 264 | $96.0M | $364K | 76.5% |
| GUILD MORTGAGE COMPANY | 225 | $82.1M | $365K | 69.8% |
| KIND LENDING, LLC | 223 | $83.7M | $375K | 63.7% |
| INTERCAP LENDING INC. | 205 | $81.6M | $398K | 64.9% |
| AMERICA FIRST Federal Credit Union | 195 | $29.0M | $148K | 17.4% |
| Rocket Mortgage, LLC | 143 | $51.2M | $358K | 46.2% |
| Mountain America Federal Credit Union | 127 | $41.2M | $324K | 56.7% |
| CONVENTUS LLC | 92 | $64.9M | $706K | 84.8% |
| DHI MORTGAGE COMPANY, LTD. | 89 | $26.4M | $297K | 98.9% |
| PENNYMAC LOAN SERVICES, LLC | 86 | $39.8M | $462K | 68.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 80 | $35.7M | $447K | 62.5% |
| NEWREZ LLC | 78 | $36.0M | $462K | 65.4% |
| GOLDENWEST | 65 | $24.1M | $371K | 52.3% |
| SECURITY HOME MORTGAGE, LLC. | 64 | $24.8M | $387K | 71.9% |
| MY MOVE MORTGAGE, LLC | 62 | $22.3M | $360K | 80.6% |
| SECURITYNATIONAL MORTGAGE COMPANY | 61 | $25.8M | $423K | 72.1% |
| Citadel Servicing Corporation | 57 | $28.4M | $498K | 52.6% |
| AMWEST FUNDING CORP. | 57 | $18.4M | $324K | 56.1% |
| LENDSURE MORTGAGE CORP. | 56 | $35.0M | $626K | 83.9% |
| Cache Valley Bank | 55 | $22.8M | $414K | 65.5% |
| Fairway Independent Mortgage Corporation | 49 | $20.8M | $425K | 83.7% |
| Bank of Utah | 47 | $18.9M | $402K | 83.0% |
| CENTRAL BANK | 45 | $29.1M | $647K | 60.0% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 256 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Utah lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's 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.
DSCR loans by county in Utah
Each county page compares the county's 2025 HMDA investor-lending figures with Utah's and names its most active lenders. Counties are listed by investor loan count.
9 Utah counties have their own page so far.
- Salt Lake County1,319 loans
- Utah County1,080 loans
- Washington County721 loans
- Weber County325 loans
- Davis County264 loans
- Wasatch County212 loans
- Summit County193 loans
- Cache County158 loans
- Iron County148 loans
- Tooele County (fewer than 100 investor loans in 2025)67 loans
- Box Elder County (fewer than 100 investor loans in 2025)54 loans
- Kane County (fewer than 100 investor loans in 2025)50 loans
- Rich County (fewer than 100 investor loans in 2025)41 loans
- Uintah County (fewer than 100 investor loans in 2025)39 loans
- Sevier County (fewer than 100 investor loans in 2025)35 loans
- Carbon County (fewer than 100 investor loans in 2025)27 loans
- Grand County (fewer than 100 investor loans in 2025)25 loans
- Morgan County (fewer than 100 investor loans in 2025)23 loans
- Duchesne County (fewer than 100 investor loans in 2025)21 loans
- San Juan County (fewer than 100 investor loans in 2025)18 loans
- Sanpete County (fewer than 100 investor loans in 2025)17 loans
- Millard County (fewer than 100 investor loans in 2025)16 loans
- Juab County (fewer than 100 investor loans in 2025)15 loans
- Beaver County (fewer than 100 investor loans in 2025)9 loans
- Emery County (fewer than 100 investor loans in 2025)8 loans
- Garfield County (fewer than 100 investor loans in 2025)7 loans
- Daggett County (fewer than 100 investor loans in 2025)3 loans
- Wayne County (fewer than 100 investor loans in 2025)3 loans
- Piute County (fewer than 100 investor loans in 2025)1 loans
Run the coverage test on your Utah deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a 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 — Utah's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 256 lenders and 4,901 loans: 2025 HMDA loan-level data.
- Utah investor-lender dataset (CSV) — Every Utah lender behind the table above, with volume, average loan and purchase share for each.
- Utah investor lending data, Dominick Prevete — The Utah table on its own, with the state's concentration figures and the method behind them.
- 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.