DSCR Loans in Bannock County, Idaho
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 46 lenders made 148 investment-property loans in Bannock County, 4.9% of Idaho's total. Dominick Prevete arranges DSCR loans across Bannock County, Idaho, 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 $270,000.
Bannock County investor market at a glance
| Statistic | Bannock County | Idaho | County rank |
|---|---|---|---|
| Investor loans | 148 | 3,049 | 5th of 6 |
| Reporting lenders | 46 | 259 | 5th of 6 |
| Loan volume | $39.8M | $1.04B | 5th of 6 |
| Average loan | $269K | $342K | 5th of 6 |
| Median loan | $225K | $295K | 5th of 6 |
| Purchases | 59.5% | 66.7% | 6th of 6 |
| Cash-out refinances | 23.6% | 16.5% | 1st of 6 |
| 2–4 unit properties | 31.8% | 14.2% | 1st of 6 |
| Top five lenders' share | 37.8% | 24.2% | 3rd of 6 |
| Reported business-purpose | 63.5% | 55.4% | 1st of 6 |
Bannock County: closed-end loans on 1–4 unit investment properties. Bannock County's rank is highest first, among Idaho's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bannock County's investor loans.
What stands out in Bannock County
31.8% of Bannock County's investor loans financed a 2–4 unit property, the highest share of Idaho's 6 counties with published data (statewide: 14.2%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
23.6% of Bannock County's investor loans were cash-out refinances, the highest share of Idaho's 6 counties with published data (statewide: 16.5%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
By share of investor loans reported as business-purpose, Bannock County ranks highest of Idaho's 6 counties with published data (statewide: 55.4%).
63.5% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Bannock County?
At HUD's fair market rent of $1,732 for a 3-bedroom in Bannock County, Idaho, a rental covers its full DSCR payment up to a purchase price of about $270,000, with 20% down at the 7.25% starting rate (November 2026). Bannock County's median home value is $300,700; at that price the payment is $1,926 a month, so the property would need $1,950 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) | $1,251 / $1,732 / $2,091 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $300,700 |
| Median property taxes and effective rate | $1,920 (0.64% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,926 |
| Rent needed to cover that payment | $1,950 |
| Coverage of a 3-bedroom at fair market rent | 0.90 |
| Highest price a 3-bedroom at fair market rent covers | about $270,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $390,000 |
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 Bannock County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Bannock County?
The most active investment-property lenders in Bannock County in 2025 HMDA data were Glacier Bank, IDAHO CENTRAL CREDIT UNION and Mountain America Federal Credit Union, out of 46 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 and matches each file to the one most likely to fund it.
Bannock County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 148 loans and $39.8M from 46 lenders. Glacier Bank led Bannock County with 15 loans, 10.1% of the county's total, and the average Bannock County loan of $269K compares with $342K across Idaho.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Glacier Bank | 15 | $4.9M | $325K | 73.3% |
| IDAHO CENTRAL CREDIT UNION | 14 | $2.5M | $177K | 57.1% |
| Mountain America Federal Credit Union | 10 | $3.5M | $349K | 50.0% |
| CV3 Financial Services, LLC | 10 | $2.1M | $215K | 100.0% |
| THE LOAN STORE, INC. | 7 | $2.3M | $334K | 28.6% |
| D. L. EVANS BANK | 7 | $2.3M | $322K | 85.7% |
| FIRST COLONY MORTGAGE CORPORATION | 7 | $1.3M | $188K | 71.4% |
| United Wholesale Mortgage | 6 | $1.4M | $230K | 33.3% |
| GUILD MORTGAGE COMPANY | 4 | $3.0M | $753K | 0.0% |
| CANOPY MORTGAGE, LLC | 4 | $1.2M | $295K | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | $1.0M | $250K | 50.0% |
| LENDINGONE, LLC | 4 | $1.0M | $248K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $0.9M | $218K | 100.0% |
| KIND LENDING, LLC | 3 | $0.7M | $248K | 100.0% |
| ADVANTAGE PLUS | 3 | $0.7M | $245K | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | $0.7M | $245K | 33.3% |
| SUMMIT FUNDING, INC. | 3 | $0.7M | $235K | 66.7% |
| Rocket Mortgage, LLC | 3 | $0.7M | $218K | 33.3% |
| The Bank of Commerce | 2 | $0.8M | $420K | 50.0% |
| LENDSURE MORTGAGE CORP. | 2 | $0.7M | $360K | 0.0% |
| OCMBC, INC. | 2 | $0.6M | $305K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.6M | $300K | 100.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | $0.6M | $285K | 0.0% |
| Zions Bancorporation, N.A. | 2 | $0.6M | $285K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.4M | $195K | 100.0% |
7 Idaho loans (0.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bannock County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Bannock County CSV, all 25 lenders
What Bannock County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bannock County's fix-and-flip and bridge lenders barely appear among its 46 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 so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Bannock County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Bannock County |
|---|---|---|---|
| Bonneville County, ID | 171 | 53 | About 55 miles away |
| Cache County, UT | 158 | 43 | About 70 miles away |
| Weber County, UT | 325 | 83 | About 100 miles away |
| Davis County, UT | 264 | 71 | About 115 miles away |
| Twin Falls County, ID | 110 | 39 | About 125 miles away |
| Ada County, ID | 1,033 | 161 | About 210 miles away |
Run the coverage test on your Bannock County, Idaho deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bannock County, Idaho 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 — Bannock County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 46 lenders and 148 loans: 2025 HMDA loan-level data rolled up to Bannock County.
- Bannock County investor-lender dataset (CSV) — All 25 lenders in the Bannock County, Idaho table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Bannock 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 Pocatello, ID MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Bannock 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.