2025 · Utah
In 2025, 4,868 investment-property loans worth $2.1B were originated on single-family 1-4 unit homes in Utah. Here's how those terms compared to the rest of the country.
Investor rate premium
50 bps
U.S. median: 76 bps
Denial rate
18.7%
U.S. median: 17.5%
DSCR / business-purpose
71%
U.S. median: 72%
Median LTV
70%
U.S. median: 74%
Since 2024 in Utah
Rate premium
50 bps → 50 bps
0 bpsInvestor loans
3,689 → 4,868
+32.0%Denial rate
20.7% → 18.7%
-1.9 ptsDSCR / business-purpose
71% → 71%
+0.6 ptsInvestors in Utah borrowed at a median rate of 6.99%, versus 6.49% for owner-occupants — a 50 bps premium that ranks 50th of 51 states.
Their applications were denied 18.7% of the time. The leading reasons for denial were debt-to-income ratio, collateral, other.
71% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 19% were cash-out refinances. The typical loan-to-value was 70%, implying about 30% down.
In 2025, the median investment-property loan in Utah carried a rate of 6.99% versus 6.49% for an owner-occupant — a premium of 50 bps. That ranks 50th of 51 states (1 = highest premium).
18.7% of investment-property applications were denied in Utah in 2025, the 12th-highest denial rate among the 51 states. The most common denial reasons were debt-to-income ratio, collateral, other.
71% of investor loans in Utah were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (20th of 51). The median loan-to-value was 70%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.