DSCR Loans in Bowie County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Bowie 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, 51 lenders made 238 investment-property loans there, 0.5% of Texas's total; the most active are in the table below.
Bowie County investor market at a glance
| Statistic | Bowie County | Texas | County rank |
|---|---|---|---|
| Investor loans | 238 | 49,613 | 35th of 51 |
| Reporting lenders | 51 | 903 | 46th of 51 |
| Loan volume | $32.4M | $13.00B | 45th of 51 |
| Average loan | $136K | $262K | 48th of 51 |
| Median loan | $115K | $205K | 48th of 51 |
| Purchases | 62.2% | 61.7% | 27th of 51 |
| Cash-out refinances | 10.9% | 17.9% | 44th of 51 |
| 2–4 unit properties | 12.6% | 8.8% | 16th of 51 |
| Top five lenders' share | 43.7% | 18.3% | 9th of 51 |
| Reported business-purpose | 54.6% | 68.5% | 48th of 51 |
Bowie County: closed-end loans on 1–4 unit investment properties. Bowie County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bowie County's investor loans.
What stands out in Bowie County
The five most active lenders wrote 43.7% of Bowie County's investor loans, ranking 9th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 43.7% of the loans here, so comparing written term sheets matters more.
The average investor loan in Bowie County was $136K, ranking 4th lowest of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Bowie County?
The most active investment-property lenders in Bowie County in 2025 HMDA data were Farmers Bank & Trust Company, Bodcaw Bank and State Bank of De Kalb, out of 51 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 two that reported in Bowie County, and matches each file to the one most likely to fund it.
Bowie County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 238 loans and $32.4M from 51 lenders. Farmers Bank & Trust Company led Bowie County with 23 loans, 9.7% of the county's total, and the average Bowie County loan of $136K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Farmers Bank & Trust Company | 23 | $2.9M | $127K | 65.2% |
| Bodcaw Bank | 22 | $4.1M | $187K | 72.7% |
| State Bank of De Kalb | 21 | $1.8M | $84K | 66.7% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 20 | $1.8M | $90K | 50.0% |
| Diamond Bank | 18 | $3.0M | $169K | 72.2% |
| 21st Mortgage Corporation | 17 | $0.8M | $49K | 100.0% |
| Guaranty Bank & Trust, N.A. | 14 | $1.4M | $99K | 71.4% |
| Cadence Bank | 11 | $1.4M | $124K | 54.5% |
| Commercial National Bank of Texarkana | 10 | $2.4M | $235K | 60.0% |
| Texana Bank, National Association | 10 | $1.7M | $172K | 70.0% |
| Bank OZK | 6 | $0.9M | $152K | 16.7% |
| Glacier Bank | 6 | $0.7M | $112K | 66.7% |
| TEXAR FEDERAL CREDIT UNION | 5 | $0.9M | $187K | 20.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $0.7M | $163K | 25.0% |
| Simmons Bank | 3 | $0.7M | $222K | 33.3% |
| Kiavi Funding, Inc. | 3 | $0.4M | $128K | 66.7% |
| Texas Tech Federal Credit Union | 3 | $0.3M | $105K | 66.7% |
| Horatio State Bank | 3 | $0.3M | $85K | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | $0.4M | $200K | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 2 | $0.4M | $195K | 100.0% |
| LEI:254900CTT87ZKAUTIJ37 | 2 | $0.3M | $160K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.2M | $120K | 100.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.2M | $105K | 100.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | $0.2M | $85K | 100.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | $0.4M | $435K | 0.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bowie County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bowie County CSV, all 25 lenders
What Bowie County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bowie County's fix-and-flip and bridge lenders barely appear among its 51 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 Bowie County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bowie 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 — Bowie County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 51 lenders and 238 loans: 2025 HMDA loan-level data rolled up to Bowie County.
- Bowie County investor-lender dataset (CSV) — All 25 Bowie County lenders in the table, Farmers Bank & Trust Company 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.