2025 · Utah
Most active investment-property lenders in Utah
In 2025, 4,868 investment-property loans were originated on single-family 1-4 unit homes in Utah. These are the lenders that wrote the most of them, by HMDA-reported volume.
Utah lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | United Shore Financial Services, LLC | DSCR / biz | 402 | $152M | 100% |
| 2 | The Loan Store, Inc. | Conventional | 390 | $140M | 18% |
| 3 | First Colony Mortgage Corporation | DSCR / biz | 264 | $96M | 86% |
| 4 | Guild Mortgage Company | DSCR / biz | 225 | $82M | 100% |
| 5 | America First Federal Credit Union | DSCR / biz | 213 | $40M | 100% |
| 6 | Kind Lending, LLC | DSCR / biz | 206 | $79M | 100% |
| 7 | Intercap Lending Inc. | DSCR / biz | 205 | $82M | 100% |
| 8 | Rocket Mortgage, LLC | Conventional | 120 | $45M | 0% |
| 9 | Goldenwest | Conventional | 114 | $37M | 0% |
| 10 | Mountain America Federal Credit Union | DSCR / biz | 104 | $39M | 94% |
Lenders with at least 10 reported investor originations in Utah, top 10.
How investors borrow in Utah
The rate premium, denial rate, and DSCR share in Utah — Investor Financing Report.
Where Utah cash-flows
Gross rental yield and top metros in Utah — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in Utah?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in Utah were United Shore Financial Services, LLC (402 originations), The Loan Store, Inc. (390), and First Colony Mortgage Corporation (264). 4,868 investor loans were originated statewide.
Which Utah lenders focus on DSCR / business-purpose loans?
Lenders whose Utah investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include United Shore Financial Services, LLC, First Colony Mortgage Corporation, Guild Mortgage Company, America First Federal Credit Union. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.