DSCR Loans in Atlantic County, New Jersey
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)
Dominick Prevete arranges DSCR loans across Atlantic County, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 144 lenders made 804 investment-property loans there, 4.4% of New Jersey's total; the most active are in the table below.
Atlantic County investor market at a glance
| Statistic | Atlantic County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 804 | 18,316 | 12th of 20 |
| Reporting lenders | 144 | 439 | 11th of 20 |
| Loan volume | $246.2M | $7.88B | 12th of 20 |
| Average loan | $306K | $430K | 12th of 20 |
| Median loan | $245K | $365K | 13th of 20 |
| Purchases | 62.3% | 56.9% | 7th of 20 |
| Cash-out refinances | 22.3% | 26.0% | 14th of 20 |
| 2–4 unit properties | 17.3% | 30.0% | 13th of 20 |
| Top five lenders' share | 33.6% | 24.4% | 8th of 20 |
| Reported business-purpose | 73.8% | 81.1% | 17th of 20 |
Atlantic County: closed-end loans on 1–4 unit investment properties. Atlantic County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Atlantic County's investor loans.
What stands out in Atlantic County
The five most active lenders wrote 33.6% of Atlantic County's investor loans, ranking 8th highest of New Jersey's 20 counties with published data (statewide: 24.4%).
Five lenders write 33.6% of the loans here, so comparing written term sheets matters more.
The average investor loan in Atlantic County was $306K, ranking 9th lowest of New Jersey's 20 counties with published data (statewide: $430K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Atlantic County?
The most active investment-property lenders in Atlantic County in 2025 HMDA data were RF RENOVO MANAGEMENT COMPANY, LLC; CROSSCOUNTRY MORTGAGE, INC.; and Loan Funder LLC, out of 144 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 Atlantic County, and matches each file to the one most likely to fund it.
Atlantic County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 804 loans and $246.2M from 144 lenders. RF RENOVO MANAGEMENT COMPANY, LLC led Atlantic County with 68 loans, 8.5% of the county's total, and the average Atlantic County loan of $306K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| RF RENOVO MANAGEMENT COMPANY, LLC | 68 | $26.3M | $386K | 76.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 60 | $19.3M | $321K | 80.0% |
| Loan Funder LLC | 50 | $16.4M | $328K | 50.0% |
| Kiavi Funding, Inc. | 46 | $13.2M | $288K | 82.6% |
| Advisors Mortgage Group, L.L.C. | 46 | $12.9M | $280K | 65.2% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 46 | $10.7M | $233K | 71.7% |
| GUARANTEED RATE, INC. | 27 | $9.0M | $334K | 81.5% |
| DEEPHAVEN MORTGAGE LLC | 19 | $3.4M | $179K | 63.2% |
| DHI MORTGAGE COMPANY, LTD. | 18 | $4.9M | $271K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 18 | $3.1M | $170K | 44.4% |
| CHAMPIONS FUNDING, LLC | 15 | $6.5M | $431K | 26.7% |
| Rocket Mortgage, LLC | 15 | $5.0M | $336K | 33.3% |
| OceanFirst Bank, National Association | 15 | $3.6M | $243K | 66.7% |
| Prosperity Home Mortgage, LLC | 15 | $2.7M | $182K | 53.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | $4.3M | $328K | 30.8% |
| NATION ONE MORTGAGE CORPORATION | 13 | $3.2M | $244K | 84.6% |
| LENDINGONE, LLC | 12 | $3.6M | $301K | 50.0% |
| Hometown Equity Mortgage, LLC | 11 | $3.4M | $310K | 36.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $2.4M | $220K | 36.4% |
| AMERICAN HERITAGE LENDING, LLC | 10 | $1.6M | $160K | 30.0% |
| THE LOAN STORE, INC. | 9 | $2.3M | $253K | 55.6% |
| Citadel Servicing Corporation | 8 | $1.9M | $244K | 50.0% |
| Parke Bank | 7 | $3.5M | $505K | 85.7% |
| ICE LENDER HOLDINGS LLC | 7 | $2.3M | $334K | 85.7% |
| Loandepot.Com, LLC | 7 | $1.9M | $271K | 57.1% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Atlantic County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Atlantic County CSV, all 25 lenders
What Atlantic County's table can't show you: fit. Short-term financing is exempt from HMDA, so Atlantic County's fix-and-flip and bridge lenders barely appear among its 144 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 Atlantic County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Atlantic County 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 — Atlantic County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 144 lenders and 804 loans: 2025 HMDA loan-level data rolled up to Atlantic County.
- Atlantic County investor-lender dataset (CSV) — All 25 Atlantic County lenders in the table, RF RENOVO MANAGEMENT COMPANY, LLC first, with volume, average loan and purchase share for each.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.