DSCR Loans in Bergen 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 Bergen 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, 175 lenders made 1,213 investment-property loans there, 6.6% of New Jersey's total; the most active are in the table below.
Bergen County investor market at a glance
| Statistic | Bergen County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 1,213 | 18,316 | 7th of 20 |
| Reporting lenders | 175 | 439 | 4th of 20 |
| Loan volume | $727.4M | $7.88B | 4th of 20 |
| Average loan | $600K | $430K | 2nd of 20 |
| Median loan | $505K | $365K | 3rd of 20 |
| Purchases | 62.7% | 56.9% | 5th of 20 |
| Cash-out refinances | 22.1% | 26.0% | 15th of 20 |
| 2–4 unit properties | 36.0% | 30.0% | 5th of 20 |
| Top five lenders' share | 19.0% | 24.4% | 20th of 20 |
| Reported business-purpose | 78.1% | 81.1% | 14th of 20 |
Bergen County: closed-end loans on 1–4 unit investment properties. Bergen County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bergen County's investor loans.
What stands out in Bergen County
The average investor loan in Bergen County was $600K, the second-highest average of New Jersey's 20 counties with published data (statewide: $430K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 19.0% of Bergen County's investor loans, the lowest share of New Jersey's 20 counties with published data (statewide: 24.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Who are the DSCR and investment-property lenders in Bergen County?
The most active investment-property lenders in Bergen County in 2025 HMDA data were Loan Funder LLC; CROSSCOUNTRY MORTGAGE, INC.; and Kiavi Funding, Inc., out of 175 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 Bergen County, and matches each file to the one most likely to fund it.
Bergen County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,213 loans and $727.4M from 175 lenders. Loan Funder LLC led Bergen County with 54 loans, 4.5% of the county's total, and the average Bergen County loan of $600K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 54 | $48.7M | $902K | 75.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 53 | $22.5M | $424K | 73.6% |
| Kiavi Funding, Inc. | 41 | $23.1M | $563K | 92.7% |
| GUARANTEED RATE, INC. | 41 | $22.6M | $550K | 65.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 41 | $21.2M | $517K | 56.1% |
| Rocket Mortgage, LLC | 40 | $14.2M | $355K | 47.5% |
| CHAMPIONS FUNDING, LLC | 35 | $22.3M | $636K | 60.0% |
| THE LOAN STORE, INC. | 35 | $20.3M | $579K | 71.4% |
| ABL RPC Residential Credit Acquisition LLC | 29 | $34.2M | $1181K | 3.4% |
| Emporium TPO LLC | 27 | $15.4M | $569K | 77.8% |
| Citadel Servicing Corporation | 24 | $13.7M | $572K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 24 | $13.7M | $571K | 66.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 23 | $13.2M | $576K | 52.2% |
| Luminate Bank | 22 | $11.3M | $515K | 68.2% |
| Commerce Home Mortgage, Inc. | 22 | $11.3M | $514K | 54.5% |
| NEWREZ LLC | 22 | $11.0M | $500K | 54.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 22 | $10.9M | $497K | 45.5% |
| ARC HOME LLC | 18 | $9.6M | $532K | 72.2% |
| Bank of Hope | 17 | $10.5M | $618K | 64.7% |
| Logan Finance Corporation | 17 | $9.2M | $542K | 35.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 16 | $19.6M | $1222K | 81.2% |
| Loandepot.Com, LLC | 16 | $9.3M | $583K | 75.0% |
| Hometown Equity Mortgage, LLC | 15 | $11.9M | $796K | 66.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 14 | $13.2M | $941K | 92.9% |
| BOND STREET MORTGAGE, LLC | 14 | $7.5M | $534K | 71.4% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bergen County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bergen County CSV, all 25 lenders
What Bergen County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bergen County's fix-and-flip and bridge lenders barely appear among its 175 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 Bergen County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bergen 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 — Bergen County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 175 lenders and 1,213 loans: 2025 HMDA loan-level data rolled up to Bergen County.
- Bergen County investor-lender dataset (CSV) — All 25 Bergen County lenders in the table, Loan Funder 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.