DSCR Loans in Adams County, Pennsylvania
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, 47 lenders made 108 investment-property loans in Adams County, 0.4% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Adams County, Pennsylvania, 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 $260,000.
Adams County investor market at a glance
| Statistic | Adams County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 108 | 24,181 | 33rd of 35 |
| Reporting lenders | 47 | 587 | 29th of 35 |
| Loan volume | $23.7M | $5.10B | 30th of 35 |
| Average loan | $220K | $211K | 14th of 35 |
| Median loan | $195K | $175K | 11th of 35 |
| Purchases | 57.4% | 55.3% | 25th of 35 |
| Cash-out refinances | 10.2% | 21.3% | 29th of 35 |
| 2–4 unit properties | 31.5% | 26.5% | 9th of 35 |
| Top five lenders' share | 50.0% | 20.4% | 9th of 35 |
| Reported business-purpose | 75.0% | 77.2% | 15th of 35 |
Adams County: closed-end loans on 1–4 unit investment properties. Adams County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Adams County's investor loans.
What stands out in Adams County
10.2% of Adams County's investor loans were cash-out refinances, the 7th-lowest share of Pennsylvania's 35 counties with published data (statewide: 21.3%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Adams County's 108 investor loans ranked 33rd of Pennsylvania's 35 counties with published data.
Does a DSCR loan pencil in Adams County?
At HUD's fair market rent of $1,830 for a 3-bedroom in Adams County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $260,000, with 20% down at the 7.25% starting rate (November 2026). Adams County's median home value is $268,500; at that price the payment is $1,874 a month, so the property would need $1,875 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) | $1,354 / $1,830 / $1,957 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $268,500 |
| Median property taxes and effective rate | $3,561 (1.33% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,874 |
| Rent needed to cover that payment | $1,875 |
| Coverage of a 3-bedroom at fair market rent | 0.98 |
| Highest price a 3-bedroom at fair market rent covers | about $260,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $385,000 |
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 Adams County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Adams County?
The most active investment-property lenders in Adams County in 2025 HMDA data were ACNB Bank; NYMEO FEDERAL CREDIT UNION; and Kiavi Funding, Inc., out of 47 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, including one that reported in Adams County, and matches each file to the one most likely to fund it.
Adams County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 108 loans and $23.7M from 47 lenders. ACNB Bank led Adams County with 25 loans, 23.1% of the county's total, and the average Adams County loan of $220K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| ACNB Bank | 25 | $5.7M | $228K | 60.0% |
| NYMEO FEDERAL CREDIT UNION | 16 | $3.7M | $231K | 6.2% |
| Kiavi Funding, Inc. | 6 | $0.9M | $147K | 66.7% |
| MEMBERS 1ST | 4 | $0.6M | $153K | 50.0% |
| NVR Mortgage Finance, Inc. | 3 | $0.9M | $288K | 100.0% |
| Horizon Farm Credit, ACA | 3 | $0.7M | $225K | 100.0% |
| Pennian Bank | 3 | $0.6M | $198K | 66.7% |
| Orrstown Bank | 3 | $0.5M | $162K | 66.7% |
| FARMERS AND MERCHANTS BANK | 2 | $0.8M | $410K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.5M | $250K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | $0.4M | $205K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.4M | $195K | 50.0% |
| Wells Fargo Bank, National Association | 2 | $0.3M | $170K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.3M | $165K | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | $0.7M | $705K | 100.0% |
| SWBC MORTGAGE CORPORATION | 1 | $0.4M | $385K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | $0.3M | $315K | 0.0% |
| Mid Penn Bank | 1 | $0.3M | $295K | 100.0% |
| Fairway Independent Mortgage Corporation | 1 | $0.3M | $295K | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | $0.3M | $285K | 100.0% |
| PATRIOT | 1 | $0.3M | $285K | 0.0% |
| NFM, INC. | 1 | $0.3M | $285K | 100.0% |
| LEI:2549005FUF02T1IFCA22 | 1 | $0.3M | $275K | 100.0% |
| BETTER MORTGAGE CORPORATION | 1 | $0.3M | $275K | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | $0.3M | $255K | 0.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Adams County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Adams County CSV, all 25 lenders
What Adams County's table can't show you: fit. Short-term financing is exempt from HMDA, so Adams County's fix-and-flip and bridge lenders barely appear among its 47 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 — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Adams County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Adams County, Pennsylvania 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 — Adams County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 47 lenders and 108 loans: 2025 HMDA loan-level data rolled up to Adams County.
- Adams County investor-lender dataset (CSV) — All 25 lenders in the Adams County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Adams 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 Gettysburg, PA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Adams 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.