DSCR Loans in Washington County, Utah
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 100 lenders made 721 investment-property loans in Washington County, 14.7% of Utah's total. Dominick Prevete arranges DSCR loans across Washington 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 $345,000.
Washington County investor market at a glance
| Statistic | Washington County | Utah | County rank |
|---|---|---|---|
| Investor loans | 721 | 4,901 | 3rd of 9 |
| Reporting lenders | 100 | 256 | 3rd of 9 |
| Loan volume | $326.9M | $2.10B | 3rd of 9 |
| Average loan | $453K | $429K | 3rd of 9 |
| Median loan | $365K | $345K | 4th of 9 |
| Purchases | 76.3% | 61.2% | 1st of 9 |
| Cash-out refinances | 9.8% | 17.0% | 9th of 9 |
| 2–4 unit properties | 1.2% | 8.7% | 9th of 9 |
| Top five lenders' share | 30.8% | 30.5% | 8th of 9 |
| Reported business-purpose | 67.1% | 69.7% | 8th of 9 |
Washington County: closed-end loans on 1–4 unit investment properties. Washington County's rank is highest first, among Utah's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Washington County's investor loans.
What stands out in Washington County
76.3% of Washington County's investor loans were purchases, the 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.
9.8% of Washington County's investor loans were cash-out refinances, the lowest share of Utah's 9 counties with published data (statewide: 17.0%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
1.2% of Washington County's investor loans financed a 2–4 unit property, the lowest share of Utah's 9 counties with published data (statewide: 8.7%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Washington County?
At HUD's fair market rent of $2,172 for a 3-bedroom in Washington County, Utah, a rental covers its full DSCR payment up to a purchase price of about $345,000, with 20% down at the 7.25% starting rate (November 2026). Washington County's median home value is $510,700; at that price the payment is $3,180 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) | $1,657 / $2,172 / $2,703 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $510,700 |
| Median property taxes and effective rate | $2,158 (0.42% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,180 |
| Rent needed to cover that payment | $3,200 |
| Coverage of a 3-bedroom at fair market rent | 0.68 |
| Highest price a 3-bedroom at fair market rent covers | about $345,000 |
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 Washington County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Washington County?
The most active investment-property lenders in Washington County in 2025 HMDA data were THE LOAN STORE, INC.; GUILD MORTGAGE COMPANY; and United Wholesale Mortgage, out of 100 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.
Washington County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 721 loans and $326.9M from 100 lenders. THE LOAN STORE, INC. led Washington County with 68 loans, 9.4% of the county's total, and the average Washington County loan of $453K compares with $429K across Utah.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| THE LOAN STORE, INC. | 68 | $24.8M | $364K | 76.5% |
| GUILD MORTGAGE COMPANY | 45 | $17.4M | $386K | 82.2% |
| United Wholesale Mortgage | 40 | $18.1M | $453K | 62.5% |
| FIRST COLONY MORTGAGE CORPORATION | 35 | $16.5M | $472K | 62.9% |
| DHI MORTGAGE COMPANY, LTD. | 34 | $11.1M | $325K | 100.0% |
| KIND LENDING, LLC | 32 | $11.2M | $350K | 59.4% |
| ARC HOME LLC | 31 | $14.5M | $468K | 96.8% |
| CMG MORTGAGE, INC. | 30 | $14.0M | $466K | 96.7% |
| INTERCAP LENDING INC. | 28 | $10.7M | $383K | 85.7% |
| NEWREZ LLC | 27 | $14.2M | $524K | 96.3% |
| SUN AMERICAN MORTGAGE COMPANY | 21 | $6.4M | $304K | 76.2% |
| LENDSURE MORTGAGE CORP. | 19 | $8.1M | $425K | 100.0% |
| BELEM SERVICING LLC | 18 | $8.6M | $479K | 72.2% |
| PENNYMAC LOAN SERVICES, LLC | 14 | $7.2M | $512K | 78.6% |
| MY MOVE MORTGAGE, LLC | 14 | $4.3M | $308K | 78.6% |
| SECURITY HOME MORTGAGE, LLC. | 12 | $7.6M | $633K | 83.3% |
| AMERICA FIRST Federal Credit Union | 12 | $3.0M | $251K | 25.0% |
| Cache Valley Bank | 11 | $7.1M | $650K | 81.8% |
| Bank of Utah | 11 | $4.4M | $396K | 81.8% |
| SECURITYNATIONAL MORTGAGE COMPANY | 11 | $4.1M | $373K | 81.8% |
| Mountain America Federal Credit Union | 10 | $4.3M | $427K | 60.0% |
| RANLIFE, INC. | 9 | $5.2M | $583K | 22.2% |
| GOLDENWEST | 9 | $3.4M | $381K | 88.9% |
| Citadel Servicing Corporation | 8 | $5.3M | $663K | 100.0% |
| CONVENTUS LLC | 8 | $4.1M | $518K | 87.5% |
2 Utah loans (0%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Washington County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Washington County CSV, all 25 lenders
What Washington County's table can't show you: fit. Short-term financing is exempt from HMDA, so Washington County's fix-and-flip and bridge lenders barely appear among its 100 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 Washington County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Washington County |
|---|---|---|---|
| Iron County, UT | 148 | 42 | Borders Washington County |
| Mohave County, AZ | 571 | 128 | Borders Washington County |
| Clark County, NV | 4,614 | 245 | About 110 miles away |
| Coconino County, AZ | 319 | 102 | About 135 miles away |
Run the coverage test on your Washington County, Utah deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Washington 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 — Washington County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 100 lenders and 721 loans: 2025 HMDA loan-level data rolled up to Washington County.
- Washington County investor-lender dataset (CSV) — All 25 lenders in the Washington County, Utah table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Washington 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 St. George, UT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Washington 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.