DSCR Loans in Blair County, Pennsylvania
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 168 investment-property loans in Blair County, 0.7% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Blair County, Pennsylvania, 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 $215,000.
Blair County investor market at a glance
| Statistic | Blair County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 168 | 24,181 | 28th of 35 |
| Reporting lenders | 38 | 587 | 32nd of 35 |
| Loan volume | $17.2M | $5.10B | 34th of 35 |
| Average loan | $102K | $211K | 34th of 35 |
| Median loan | $85K | $175K | 33rd of 35 |
| Purchases | 66.1% | 55.3% | 10th of 35 |
| Cash-out refinances | 5.4% | 21.3% | 34th of 35 |
| 2–4 unit properties | 29.8% | 26.5% | 11th of 35 |
| Top five lenders' share | 52.4% | 20.4% | 5th of 35 |
| Reported business-purpose | 41.7% | 77.2% | 35th of 35 |
Blair County: closed-end loans on 1–4 unit investment properties. Blair County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Blair County's investor loans.
What stands out in Blair County
41.7% of Blair County's investor loans were reported as business-purpose, the lowest share of Pennsylvania's 35 counties with published data (statewide: 77.2%).
Fewer investor loans here were reported as business-purpose than in most of Pennsylvania. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
5.4% of Blair County's investor loans were cash-out refinances, the 2nd-lowest share of Pennsylvania's 35 counties with published data (statewide: 21.3%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The average investor loan in Blair County was $102K, the 2nd-lowest average of Pennsylvania's 35 counties with published data (statewide: $211K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Blair County?
At HUD's fair market rent of $1,477 for a 3-bedroom in Blair County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Blair County's median home value is $161,100; at that price the payment is $1,090 a month, so the property would need $1,100 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) | $1,151 / $1,477 / $1,708 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $161,100 |
| Median property taxes and effective rate | $1,724 (1.07% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,090 |
| Rent needed to cover that payment | $1,100 |
| Coverage of a 3-bedroom at fair market rent | 1.36 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $340,000 |
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 Blair County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Blair County?
The most active investment-property lenders in Blair County in 2025 HMDA data were Altoona First Savings Bank, RELIANCE SAVINGS BANK and CNB Bank, 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 Blair County, and matches each file to the one most likely to fund it.
Blair County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 168 loans and $17.2M from 38 lenders. Altoona First Savings Bank led Blair County with 45 loans, 26.8% of the county's total, and the average Blair County loan of $102K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Altoona First Savings Bank | 45 | $4.7M | $104K | 71.1% |
| RELIANCE SAVINGS BANK | 16 | $2.0M | $123K | 50.0% |
| CNB Bank | 10 | $0.8M | $85K | 90.0% |
| PennCrest Bank | 9 | $0.5M | $58K | 33.3% |
| Kish Bank | 8 | $0.8M | $100K | 25.0% |
| Loan Funder LLC | 7 | $1.2M | $169K | 100.0% |
| ARC Federal Credit Union | 7 | $0.4M | $62K | 14.3% |
| Hometown Bank of Pennsylvania | 6 | $0.7M | $117K | 100.0% |
| Jersey Shore State Bank | 6 | $0.6M | $105K | 66.7% |
| 1st Summit Bank | 5 | $0.4M | $83K | 60.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $0.6M | $145K | 100.0% |
| First National Bank of Pennsylvania | 4 | $0.5M | $115K | 100.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 4 | $0.2M | $55K | 25.0% |
| Kiavi Funding, Inc. | 3 | $0.3M | $98K | 66.7% |
| EQUITY RESOURCES, INC. | 3 | $0.2M | $55K | 100.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.5M | $230K | 100.0% |
| A&D Mortgage LLC | 2 | $0.3M | $135K | 100.0% |
| Community State Bank of Orbisonia | 2 | $0.3M | $130K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | $0.2M | $105K | 0.0% |
| InFirst Bank | 2 | $0.2M | $80K | 50.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.1M | $70K | 50.0% |
| Citizens Bank, National Association | 2 | $0.1M | $60K | 100.0% |
| S&T Bank | 2 | $0.1M | $50K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | $0.2M | $175K | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | $0.2M | $165K | 0.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Blair County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Blair County CSV, all 25 lenders
What Blair County's table can't show you: fit. Short-term financing is exempt from HMDA, so Blair 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 Blair County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Blair County, Pennsylvania 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 — Blair County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 38 lenders and 168 loans: 2025 HMDA loan-level data rolled up to Blair County.
- Blair County investor-lender dataset (CSV) — All 25 lenders in the Blair County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Blair 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 Altoona, PA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Blair 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.