DSCR Loans in Utah 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, 125 lenders made 1,080 investment-property loans in Utah County, 22.0% of Utah's total. Dominick Prevete arranges DSCR loans across Utah 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 $300,000.
Utah County investor market at a glance
| Statistic | Utah County | Utah | County rank |
|---|---|---|---|
| Investor loans | 1,080 | 4,901 | 2nd of 9 |
| Reporting lenders | 125 | 256 | 2nd of 9 |
| Loan volume | $385.7M | $2.10B | 2nd of 9 |
| Average loan | $357K | $429K | 6th of 9 |
| Median loan | $325K | $345K | 6th of 9 |
| Purchases | 66.1% | 61.2% | 3rd of 9 |
| Cash-out refinances | 13.6% | 17.0% | 6th of 9 |
| 2–4 unit properties | 7.7% | 8.7% | 4th of 9 |
| Top five lenders' share | 37.4% | 30.5% | 3rd of 9 |
| Reported business-purpose | 68.1% | 69.7% | 7th of 9 |
Utah County: closed-end loans on 1–4 unit investment properties. Utah County's rank is highest first, among Utah's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Utah County's investor loans.
What stands out in Utah County
Utah County's 1,080 investor loans ranked 2nd of Utah's 9 counties with published data.
Does a DSCR loan pencil in Utah County?
At HUD's fair market rent of $1,887 for a 3-bedroom in Utah County, Utah, a rental covers its full DSCR payment up to a purchase price of about $300,000, with 20% down at the 7.25% starting rate (November 2026). Utah County's median home value is $538,700; at that price the payment is $3,362 a month, so the property would need $3,375 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) | $1,363 / $1,887 / $2,278 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $538,700 |
| Median property taxes and effective rate | $2,370 (0.44% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,362 |
| Rent needed to cover that payment | $3,375 |
| Coverage of a 3-bedroom at fair market rent | 0.56 |
| Highest price a 3-bedroom at fair market rent covers | about $300,000 |
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 Utah County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Utah County?
The most active investment-property lenders in Utah County in 2025 HMDA data were FIRST COLONY MORTGAGE CORPORATION; THE LOAN STORE, INC.; and United Wholesale Mortgage, out of 125 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.
Utah County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,080 loans and $385.7M from 125 lenders. FIRST COLONY MORTGAGE CORPORATION led Utah County with 133 loans, 12.3% of the county's total, and the average Utah County loan of $357K compares with $429K across Utah.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| FIRST COLONY MORTGAGE CORPORATION | 133 | $41.6M | $313K | 90.2% |
| THE LOAN STORE, INC. | 97 | $32.4M | $334K | 62.9% |
| United Wholesale Mortgage | 77 | $26.6M | $346K | 48.1% |
| KIND LENDING, LLC | 51 | $18.5M | $363K | 62.7% |
| INTERCAP LENDING INC. | 46 | $16.3M | $354K | 67.4% |
| GUILD MORTGAGE COMPANY | 44 | $19.5M | $442K | 90.9% |
| DHI MORTGAGE COMPANY, LTD. | 43 | $12.8M | $297K | 97.7% |
| Rocket Mortgage, LLC | 39 | $12.6M | $324K | 51.3% |
| CENTRAL BANK | 33 | $15.2M | $460K | 63.6% |
| SECURITY HOME MORTGAGE, LLC. | 31 | $9.1M | $295K | 87.1% |
| AMERICA FIRST Federal Credit Union | 29 | $2.7M | $94K | 13.8% |
| Mountain America Federal Credit Union | 27 | $9.1M | $338K | 63.0% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 20 | $9.2M | $458K | 70.0% |
| PENNYMAC LOAN SERVICES, LLC | 19 | $7.3M | $382K | 63.2% |
| MY MOVE MORTGAGE, LLC | 18 | $5.9M | $327K | 94.4% |
| Citadel Servicing Corporation | 17 | $6.1M | $360K | 52.9% |
| AMWEST FUNDING CORP. | 17 | $5.9M | $347K | 47.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | 14 | $7.3M | $518K | 50.0% |
| LENNAR MORTGAGE, LLC | 14 | $4.4M | $315K | 100.0% |
| CONVENTUS LLC | 13 | $6.5M | $497K | 84.6% |
| CANOPY MORTGAGE, LLC | 12 | $3.5M | $293K | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 10 | $3.1M | $312K | 40.0% |
| NEWREZ LLC | 9 | $3.6M | $398K | 22.2% |
| PLANET HOME LENDING, LLC | 9 | $3.4M | $376K | 66.7% |
| GOLDENWEST | 9 | $3.2M | $357K | 11.1% |
2 Utah loans (0%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Utah County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Utah County CSV, all 25 lenders
What Utah County's table can't show you: fit. Short-term financing is exempt from HMDA, so Utah County's fix-and-flip and bridge lenders barely appear among its 125 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 Utah County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Utah County |
|---|---|---|---|
| Wasatch County, UT | 212 | 69 | Borders Utah County |
| Salt Lake County, UT | 1,319 | 151 | Borders Utah County |
| Summit County, UT | 193 | 82 | About 65 miles away |
| Davis County, UT | 264 | 71 | About 70 miles away |
Run the coverage test on your Utah County, Utah deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Utah 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 — Utah County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 125 lenders and 1,080 loans: 2025 HMDA loan-level data rolled up to Utah County.
- Utah County investor-lender dataset (CSV) — All 25 lenders in the Utah County, Utah table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Utah 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 Provo-Orem-Lehi, UT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Utah 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.