DSCR Loans in Brazoria 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 Brazoria 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, 156 lenders made 568 investment-property loans there, 1.1% of Texas's total; the most active are in the table below.
Brazoria County investor market at a glance
| Statistic | Brazoria County | Texas | County rank |
|---|---|---|---|
| Investor loans | 568 | 49,613 | 20th of 51 |
| Reporting lenders | 156 | 903 | 16th of 51 |
| Loan volume | $122.3M | $13.00B | 22nd of 51 |
| Average loan | $215K | $262K | 31st of 51 |
| Median loan | $205K | $205K | 20th of 51 |
| Purchases | 65.5% | 61.7% | 18th of 51 |
| Cash-out refinances | 16.2% | 17.9% | 30th of 51 |
| 2–4 unit properties | 3.3% | 8.8% | 46th of 51 |
| Top five lenders' share | 27.8% | 18.3% | 31st of 51 |
| Reported business-purpose | 60.6% | 68.5% | 40th of 51 |
Brazoria County: closed-end loans on 1–4 unit investment properties. Brazoria County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Brazoria County's investor loans.
What stands out in Brazoria County
The five most active lenders wrote 27.8% of Brazoria County's investor loans, ranking 31st highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 27.8% of the loans here, so comparing written term sheets matters more.
3.3% of Brazoria County's investor loans financed a 2–4 unit property, ranking 6th lowest of Texas's 51 counties with published data (statewide: 8.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Who are the DSCR and investment-property lenders in Brazoria County?
The most active investment-property lenders in Brazoria County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; First State Bank; and LENNAR MORTGAGE, LLC, out of 156 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 Brazoria County, and matches each file to the one most likely to fund it.
Brazoria County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 568 loans and $122.3M from 156 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Brazoria County with 59 loans, 10.4% of the county's total, and the average Brazoria County loan of $215K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 59 | $12.3M | $209K | 52.5% |
| First State Bank | 31 | $3.5M | $113K | 51.6% |
| LENNAR MORTGAGE, LLC | 26 | $5.0M | $191K | 100.0% |
| Southwestern National Bank | 23 | $4.3M | $189K | 100.0% |
| AMWEST FUNDING CORP. | 19 | $4.0M | $210K | 52.6% |
| Emporium TPO LLC | 15 | $2.4M | $162K | 20.0% |
| THE LOAN STORE, INC. | 13 | $3.1M | $236K | 76.9% |
| Preferred Bank | 12 | $2.4M | $197K | 100.0% |
| Kiavi Funding, Inc. | 12 | $2.0M | $169K | 58.3% |
| DHI MORTGAGE COMPANY, LTD. | 11 | $2.5M | $227K | 100.0% |
| Rocket Mortgage, LLC | 10 | $2.0M | $199K | 30.0% |
| OCMBC, INC. | 9 | $2.4M | $272K | 66.7% |
| Vellum Mortgage, Inc. | 9 | $2.1M | $237K | 88.9% |
| 212 LOANS, LLC. | 9 | $1.5M | $166K | 100.0% |
| Fairway Independent Mortgage Corporation | 9 | $1.3M | $149K | 66.7% |
| KIND LENDING, LLC | 8 | $2.1M | $259K | 87.5% |
| Texas Gulf Bank, National Association | 7 | $2.5M | $352K | 71.4% |
| NexBank | 7 | $1.3M | $192K | 0.0% |
| Investmark Mortgage, LLC | 7 | $1.1M | $151K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | $2.2M | $362K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 6 | $1.6M | $258K | 83.3% |
| A&D Mortgage LLC | 6 | $1.5M | $252K | 16.7% |
| Broker Solutions, Inc. | 6 | $1.4M | $240K | 100.0% |
| AML FUNDING LLC | 6 | $1.3M | $217K | 66.7% |
| GUARANTEED RATE, INC. | 6 | $1.3M | $210K | 66.7% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Brazoria County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Brazoria County CSV, all 25 lenders
What Brazoria County's table can't show you: fit. Short-term financing is exempt from HMDA, so Brazoria County's fix-and-flip and bridge lenders barely appear among its 156 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 Brazoria County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Brazoria 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 — Brazoria County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 156 lenders and 568 loans: 2025 HMDA loan-level data rolled up to Brazoria County.
- Brazoria County investor-lender dataset (CSV) — All 25 Brazoria County lenders in the table, UNITED SHORE FINANCIAL SERVICES, 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.