DSCR Loans in Belknap County, New Hampshire
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 61 lenders made 109 investment-property loans in Belknap County, 7.2% of New Hampshire's total. Dominick Prevete arranges DSCR loans across Belknap County, New Hampshire, 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 $305,000.
Belknap County investor market at a glance
| Statistic | Belknap County | New Hampshire | County rank |
|---|---|---|---|
| Investor loans | 109 | 1,514 | 7th of 7 |
| Reporting lenders | 61 | 229 | 7th of 7 |
| Loan volume | $49.0M | $566.5M | 5th of 7 |
| Average loan | $450K | $374K | 1st of 7 |
| Median loan | $305K | $335K | 6th of 7 |
| Purchases | 69.7% | 63.1% | 2nd of 7 |
| Cash-out refinances | 16.5% | 20.3% | 5th of 7 |
| 2–4 unit properties | 26.6% | 36.5% | 4th of 7 |
| Top five lenders' share | 28.4% | 19.7% | 3rd of 7 |
| Reported business-purpose | 73.4% | 69.4% | 1st of 7 |
Belknap County: closed-end loans on 1–4 unit investment properties. Belknap County's rank is highest first, among New Hampshire's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Belknap County's investor loans.
What stands out in Belknap County
The average investor loan in Belknap County was $450K, the highest average of New Hampshire's 7 counties with published data (statewide: $374K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
By share of investor loans reported as business-purpose, Belknap County ranks highest of New Hampshire's 7 counties with published data (statewide: 69.4%).
73.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Belknap County?
At HUD's fair market rent of $2,136 for a 3-bedroom in Belknap County, New Hampshire, a rental covers its full DSCR payment up to a purchase price of about $305,000, with 20% down at the 7.25% starting rate (November 2026). Belknap County's median home value is $374,900; at that price the payment is $2,613 a month, so the property would need $2,625 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) | $1,620 / $2,136 / $2,409 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $374,900 |
| Median property taxes and effective rate | $4,924 (1.31% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,613 |
| Rent needed to cover that payment | $2,625 |
| Coverage of a 3-bedroom at fair market rent | 0.82 |
| Highest price a 3-bedroom at fair market rent covers | about $305,000 |
| HUD area | Belknap County, NH |
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 Belknap County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Belknap County?
The most active investment-property lenders in Belknap County in 2025 HMDA data were United Wholesale Mortgage; Meredith Village Savings Bank; and Rocket Mortgage, LLC, out of 61 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.
Belknap County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 109 loans and $49.0M from 61 lenders. United Wholesale Mortgage led Belknap County with 9 loans, 8.3% of the county's total, and the average Belknap County loan of $450K compares with $374K across New Hampshire.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 9 | $2.3M | $256K | 44.4% |
| Meredith Village Savings Bank | 8 | $1.9M | $238K | 87.5% |
| Rocket Mortgage, LLC | 5 | $1.7M | $347K | 60.0% |
| CMG MORTGAGE, INC. | 5 | $1.4M | $285K | 80.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.6M | $413K | 75.0% |
| EVERETT FINANCIAL, INC. | 4 | $1.6M | $400K | 75.0% |
| NEWREZ LLC | 3 | $1.6M | $518K | 100.0% |
| GUARANTEED RATE, INC. | 3 | $1.5M | $488K | 100.0% |
| GUILD MORTGAGE COMPANY | 3 | $1.2M | $402K | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | $1.1M | $372K | 33.3% |
| GRANITE STATE CREDIT UNION | 3 | $0.8M | $275K | 0.0% |
| Franklin Savings Bank | 3 | $0.7M | $235K | 33.3% |
| Leader Bank, National Association | 2 | $1.1M | $575K | 100.0% |
| Rockland Trust Company | 2 | $1.1M | $550K | 100.0% |
| Union Bank | 2 | $1.0M | $500K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.6M | $310K | 100.0% |
| NEXERA HOLDING LLC | 2 | $0.6M | $295K | 100.0% |
| Bar Harbor Bank & Trust | 2 | $0.5M | $265K | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.4M | $215K | 100.0% |
| Reading Co-Operative Bank | 1 | $6.0M | $6005K | 100.0% |
| Enterprise Bank and Trust Company | 1 | $3.2M | $3245K | 100.0% |
| Citadel Servicing Corporation | 1 | $1.5M | $1475K | 100.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | $1.4M | $1365K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | $1.2M | $1195K | 100.0% |
| EMM LOANS LLC | 1 | $0.8M | $785K | 100.0% |
15 New Hampshire loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Belknap County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Belknap County CSV, all 25 lenders
What Belknap County's table can't show you: fit. Short-term financing is exempt from HMDA, so Belknap County's fix-and-flip and bridge lenders barely appear among its 61 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 Belknap County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Belknap County |
|---|---|---|---|
| Merrimack County, NH | 137 | 65 | Borders Belknap County |
| Carroll County, NH | 135 | 77 | Borders Belknap County |
| Grafton County, NH | 132 | 71 | Borders Belknap County |
| Strafford County, NH | 138 | 62 | Borders Belknap County |
| Chittenden County, VT | 190 | 37 | About 105 miles away |
Run the coverage test on your Belknap County, New Hampshire deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Belknap County, New Hampshire 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 — Belknap County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 61 lenders and 109 loans: 2025 HMDA loan-level data rolled up to Belknap County.
- Belknap County investor-lender dataset (CSV) — All 25 lenders in the Belknap County, New Hampshire table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Belknap 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 Belknap County, NH.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Belknap 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.