DSCR Loans in Blount County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 93 lenders made 288 investment-property loans in Blount County, 1.8% of Tennessee's total. Dominick Prevete arranges DSCR loans across Blount County, Tennessee, 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 $290,000.
Blount County investor market at a glance
| Statistic | Blount County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 288 | 15,845 | 11th of 24 |
| Reporting lenders | 93 | 634 | 12th of 24 |
| Loan volume | $76.6M | $4.51B | 11th of 24 |
| Average loan | $266K | $285K | 9th of 24 |
| Median loan | $225K | $205K | 8th of 24 |
| Purchases | 62.2% | 57.0% | 10th of 24 |
| Cash-out refinances | 14.9% | 15.4% | 12th of 24 |
| 2–4 unit properties | 9.7% | 12.2% | 13th of 24 |
| Top five lenders' share | 34.7% | 14.7% | 12th of 24 |
| Reported business-purpose | 52.8% | 66.4% | 18th of 24 |
Blount County: closed-end loans on 1–4 unit investment properties. Blount County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Blount County's investor loans.
What stands out in Blount County
Blount County's 288 investor loans ranked 11th of Tennessee's 24 counties with published data.
Does a DSCR loan pencil in Blount County?
At HUD's fair market rent of $1,844 for a 3-bedroom in Blount County, Tennessee, a rental covers its full DSCR payment up to a purchase price of about $290,000, with 20% down at the 7.25% starting rate (November 2026). Blount County's median home value is $320,500; at that price the payment is $2,004 a month, so the property would need $2,025 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) | $1,475 / $1,844 / $2,122 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $320,500 |
| Median property taxes and effective rate | $1,453 (0.45% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,004 |
| Rent needed to cover that payment | $2,025 |
| Coverage of a 3-bedroom at fair market rent | 0.92 |
| Highest price a 3-bedroom at fair market rent covers | about $290,000 |
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 Blount County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Blount County?
The most active investment-property lenders in Blount County in 2025 HMDA data were First Century Bank; Kiavi Funding, Inc.; and MORTGAGE INVESTORS GROUP, INC., out of 93 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 one that reported in Blount County, and matches each file to the one most likely to fund it.
Blount County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 288 loans and $76.6M from 93 lenders. First Century Bank led Blount County with 34 loans, 11.8% of the county's total, and the average Blount County loan of $266K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Century Bank | 34 | $12.3M | $362K | 76.5% |
| Kiavi Funding, Inc. | 29 | $7.0M | $243K | 89.7% |
| MORTGAGE INVESTORS GROUP, INC. | 13 | $3.6M | $277K | 69.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | $3.3M | $257K | 53.8% |
| SmartBank | 11 | $3.0M | $273K | 100.0% |
| Renasant Bank | 10 | $2.6M | $261K | 80.0% |
| LIMA ONE CAPITAL, LLC | 9 | $2.2M | $239K | 22.2% |
| Peoples Bank of the South | 9 | $1.8M | $197K | 33.3% |
| Y-12 Federal Credit Union | 8 | $2.2M | $271K | 50.0% |
| CBBC Bank | 7 | $1.5M | $214K | 57.1% |
| Pinnacle Bank | 6 | $1.8M | $297K | 66.7% |
| Rocket Mortgage, LLC | 6 | $1.1M | $175K | 50.0% |
| Regions Bank | 4 | $1.1M | $273K | 0.0% |
| THE LOAN STORE, INC. | 4 | $1.1M | $263K | 75.0% |
| NEWREZ LLC | 4 | $1.0M | $258K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $0.9M | $220K | 50.0% |
| Peoples Bank of East Tennessee | 4 | $0.8M | $210K | 25.0% |
| Simmons Bank | 4 | $0.8M | $198K | 100.0% |
| TNBANK | 4 | $0.7M | $170K | 75.0% |
| ALCOA TENN FEDERAL CREDIT UNION | 4 | $0.4M | $98K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $1.0M | $325K | 66.7% |
| Hometown Equity Mortgage, LLC | 3 | $0.8M | $278K | 33.3% |
| DHI MORTGAGE COMPANY, LTD. | 3 | $0.8M | $258K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.8M | $258K | 66.7% |
| Citizens Bank | 3 | $0.7M | $238K | 66.7% |
451 Tennessee loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Blount County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Blount County CSV, all 25 lenders
What Blount County's table can't show you: fit. Short-term financing is exempt from HMDA, so Blount County's fix-and-flip and bridge lenders barely appear among its 93 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 some 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 Blount County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Blount County, Tennessee 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 — Blount County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 93 lenders and 288 loans: 2025 HMDA loan-level data rolled up to Blount County.
- Blount County investor-lender dataset (CSV) — All 25 lenders in the Blount County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Blount 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 Knoxville, TN HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Blount 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.