DSCR Loans in Weber County, Utah
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 83 lenders made 325 investment-property loans in Weber County, 6.6% of Utah's total. Dominick Prevete arranges DSCR loans across Weber 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 $330,000.
Weber County investor market at a glance
| Statistic | Weber County | Utah | County rank |
|---|---|---|---|
| Investor loans | 325 | 4,901 | 4th of 9 |
| Reporting lenders | 83 | 256 | 4th of 9 |
| Loan volume | $109.0M | $2.10B | 6th of 9 |
| Average loan | $335K | $429K | 7th of 9 |
| Median loan | $285K | $345K | 7th of 9 |
| Purchases | 53.2% | 61.2% | 9th of 9 |
| Cash-out refinances | 24.0% | 17.0% | 1st of 9 |
| 2–4 unit properties | 16.3% | 8.7% | 1st of 9 |
| Top five lenders' share | 35.1% | 30.5% | 5th of 9 |
| Reported business-purpose | 70.5% | 69.7% | 5th of 9 |
Weber County: closed-end loans on 1–4 unit investment properties. Weber County's rank is highest first, among Utah's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Weber County's investor loans.
What stands out in Weber County
24.0% of Weber County's investor loans were cash-out refinances, the highest share of Utah's 9 counties with published data (statewide: 17.0%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
16.3% of Weber County's investor loans financed a 2–4 unit property, the highest share of Utah's 9 counties with published data (statewide: 8.7%).
2–4 unit properties are a larger share here than in most of Utah. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
53.2% of Weber County's investor loans were purchases, the lowest share of Utah's 9 counties with published data (statewide: 61.2%).
Refinances are a larger share here than in most of Utah. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Weber County?
At HUD's fair market rent of $2,132 for a 3-bedroom in Weber County, Utah, a rental covers its full DSCR payment up to a purchase price of about $330,000, with 20% down at the 7.25% starting rate (November 2026). Weber County's median home value is $426,700; at that price the payment is $2,720 a month, so the property would need $2,725 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) | $426,700 |
| Median property taxes and effective rate | $2,557 (0.60% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,720 |
| Rent needed to cover that payment | $2,725 |
| Coverage of a 3-bedroom at fair market rent | 0.78 |
| Highest price a 3-bedroom at fair market rent covers | about $330,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $495,000 |
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 Weber County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Weber County?
The most active investment-property lenders in Weber County in 2025 HMDA data were AMERICA FIRST Federal Credit Union, GUILD MORTGAGE COMPANY and United Wholesale Mortgage, out of 83 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.
Weber County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 325 loans and $109.0M from 83 lenders. AMERICA FIRST Federal Credit Union led Weber County with 30 loans, 9.2% of the county's total, and the average Weber County loan of $335K compares with $429K across Utah.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 30 | $5.0M | $168K | 26.7% |
| GUILD MORTGAGE COMPANY | 29 | $8.1M | $279K | 44.8% |
| United Wholesale Mortgage | 21 | $6.4M | $304K | 57.1% |
| THE LOAN STORE, INC. | 19 | $6.8M | $360K | 36.8% |
| GOLDENWEST | 15 | $7.0M | $470K | 53.3% |
| KIND LENDING, LLC | 15 | $3.8M | $250K | 80.0% |
| Rocket Mortgage, LLC | 13 | $3.7M | $287K | 23.1% |
| BPL MORTGAGE TRUST, LLC | 12 | $3.9M | $323K | 0.0% |
| INTERCAP LENDING INC. | 11 | $3.9M | $354K | 54.5% |
| Mountain America Federal Credit Union | 9 | $2.9M | $319K | 66.7% |
| Bank of Utah | 7 | $5.2M | $736K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $2.4M | $339K | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | $2.4M | $392K | 50.0% |
| NEWREZ LLC | 6 | $2.0M | $342K | 50.0% |
| CONVENTUS LLC | 6 | $1.8M | $302K | 83.3% |
| OCMBC, INC. | 5 | $1.2M | $237K | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $1.9M | $483K | 50.0% |
| JMAC LENDING, INC. | 4 | $1.7M | $415K | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | $1.5M | $365K | 100.0% |
| Fairway Independent Mortgage Corporation | 4 | $1.1M | $273K | 75.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | $1.1M | $268K | 0.0% |
| Citadel Servicing Corporation | 4 | $0.9M | $218K | 25.0% |
| JPMorgan Chase Bank, National Association | 3 | $2.6M | $878K | 100.0% |
| Wasatch Peaks Federal Credit Union | 3 | $1.6M | $545K | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | $1.4M | $472K | 100.0% |
2 Utah loans (0%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Weber County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Weber County CSV, all 25 lenders
What Weber County's table can't show you: fit. Short-term financing is exempt from HMDA, so Weber County's fix-and-flip and bridge lenders barely appear among its 83 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 Weber County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Weber County |
|---|---|---|---|
| Davis County, UT | 264 | 71 | Borders Weber County |
| Cache County, UT | 158 | 43 | Borders Weber County |
| Salt Lake County, UT | 1,319 | 151 | About 40 miles away |
| Summit County, UT | 193 | 82 | About 55 miles away |
| Bannock County, ID | 148 | 46 | About 100 miles away |
| Bonneville County, ID | 171 | 53 | About 145 miles away |
Run the coverage test on your Weber County, Utah deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Weber 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 — Weber County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 83 lenders and 325 loans: 2025 HMDA loan-level data rolled up to Weber County.
- Weber County investor-lender dataset (CSV) — All 25 lenders in the Weber County, Utah table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Weber 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 — Weber 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.