DSCR Loans in Allen County, Ohio
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, 38 lenders made 146 investment-property loans in Allen County, 0.7% of Ohio's total. Dominick Prevete arranges DSCR loans across Allen County, Ohio, 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 $205,000.
Allen County investor market at a glance
| Statistic | Allen County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 146 | 21,703 | 22nd of 30 |
| Reporting lenders | 38 | 551 | 28th of 30 |
| Loan volume | $18.1M | $3.64B | 26th of 30 |
| Average loan | $124K | $168K | 24th of 30 |
| Median loan | $120K | $135K | 18th of 30 |
| Purchases | 60.3% | 59.1% | 19th of 30 |
| Cash-out refinances | 26.7% | 20.0% | 4th of 30 |
| 2–4 unit properties | 21.9% | 23.7% | 14th of 30 |
| Top five lenders' share | 40.4% | 28.8% | 12th of 30 |
| Reported business-purpose | 61.0% | 76.4% | 24th of 30 |
Allen County: closed-end loans on 1–4 unit investment properties. Allen County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Allen County's investor loans.
What stands out in Allen County
26.7% of Allen County's investor loans were cash-out refinances, the 4th-highest share of Ohio's 30 counties with published data (statewide: 20.0%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
61.0% of Allen County's investor loans were reported as business-purpose, the 7th-lowest share of Ohio's 30 counties with published data (statewide: 76.4%).
Fewer investor loans here were reported as business-purpose than in most of Ohio. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The average investor loan in Allen County was $124K, the 7th-lowest average of Ohio's 30 counties with published data (statewide: $168K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Allen County?
At HUD's fair market rent of $1,418 for a 3-bedroom in Allen County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Allen County's median home value is $165,300; at that price the payment is $1,125 a month, so the property would need $1,125 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,179 / $1,418 / $1,571 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $165,300 |
| Median property taxes and effective rate | $1,847 (1.12% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,125 |
| Rent needed to cover that payment | $1,125 |
| Coverage of a 3-bedroom at fair market rent | 1.26 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
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 Allen County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Allen County?
The most active investment-property lenders in Allen County in 2025 HMDA data were The Union Bank Company; RF RENOVO MANAGEMENT COMPANY, LLC; and The Citizens National Bank of Bluffton, out of 38 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 several that reported in Allen County, and matches each file to the one most likely to fund it.
Allen County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 146 loans and $18.1M from 38 lenders. The Union Bank Company led Allen County with 17 loans, 11.6% of the county's total, and the average Allen County loan of $124K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Union Bank Company | 17 | $1.9M | $110K | 82.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 11 | $1.8M | $162K | 18.2% |
| The Citizens National Bank of Bluffton | 11 | $1.4M | $125K | 81.8% |
| The First National Bank of Pandora | 11 | $1.1M | $103K | 90.9% |
| Kiavi Funding, Inc. | 9 | $1.3M | $144K | 55.6% |
| CHAMPIONS FUNDING, LLC | 8 | $1.4M | $173K | 0.0% |
| SUPERIOR CREDIT UNION, INC. | 6 | $0.9M | $145K | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 6 | $0.7M | $122K | 0.0% |
| BPL MORTGAGE TRUST, LLC | 6 | $0.6M | $98K | 33.3% |
| SUPERIOR FINANCIAL SOLUTIONS, LLC | 5 | $0.7M | $143K | 100.0% |
| The State Bank and Trust Company | 4 | $0.4M | $105K | 75.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.4M | $98K | 25.0% |
| Monroe Federal Savings and Loan Association | 4 | $0.3M | $68K | 100.0% |
| NEWREZ LLC | 3 | $0.5M | $152K | 0.0% |
| The Huntington National Bank | 3 | $0.3M | $102K | 33.3% |
| GENEVA FINANCIAL, LLC | 3 | $0.3M | $102K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.3M | $102K | 33.3% |
| CF Bank, National Association | 3 | $0.2M | $72K | 66.7% |
| Loandepot.Com, LLC | 2 | $0.4M | $180K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.4M | $180K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.3M | $155K | 100.0% |
| The Middlefield Banking Company | 2 | $0.3M | $150K | 100.0% |
| LOWER, LLC | 2 | $0.3M | $145K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.3M | $125K | 0.0% |
| The Federal Savings Bank | 2 | $0.2M | $120K | 100.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Allen County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Allen County CSV, all 25 lenders
What Allen County's table can't show you: fit. Short-term financing is exempt from HMDA, so Allen County's fix-and-flip and bridge lenders barely appear among its 38 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 several 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 Allen County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Allen County, Ohio 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 — Allen County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 38 lenders and 146 loans: 2025 HMDA loan-level data rolled up to Allen County.
- Allen County investor-lender dataset (CSV) — All 25 lenders in the Allen County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Allen 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 Lima, OH MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Allen 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.