DSCR Loans in Brazos 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 Brazos 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 635 investment-property loans there, 1.3% of Texas's total; the most active are in the table below.
Brazos County investor market at a glance
| Statistic | Brazos County | Texas | County rank |
|---|---|---|---|
| Investor loans | 635 | 49,613 | 17th of 51 |
| Reporting lenders | 175 | 903 | 12th of 51 |
| Loan volume | $169.8M | $13.00B | 15th of 51 |
| Average loan | $267K | $262K | 14th of 51 |
| Median loan | $225K | $205K | 11th of 51 |
| Purchases | 79.5% | 61.7% | 3rd of 51 |
| Cash-out refinances | 7.6% | 17.9% | 49th of 51 |
| 2–4 unit properties | 14.2% | 8.8% | 12th of 51 |
| Top five lenders' share | 26.8% | 18.3% | 34th of 51 |
| Reported business-purpose | 64.9% | 68.5% | 31st of 51 |
Brazos County: closed-end loans on 1–4 unit investment properties. Brazos County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Brazos County's investor loans.
What stands out in Brazos County
79.5% of Brazos County's investor loans were purchases, the third-highest share of Texas's 51 counties with published data (statewide: 61.7%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
The five most active lenders wrote 26.8% of Brazos County's investor loans, ranking 34th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 26.8% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Brazos County?
The most active investment-property lenders in Brazos County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; THE LOAN STORE, INC.; and City Bank, 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 two that reported in Brazos County, and matches each file to the one most likely to fund it.
Brazos County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 635 loans and $169.8M from 175 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Brazos County with 60 loans, 9.4% of the county's total, and the average Brazos County loan of $267K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 60 | $13.9M | $232K | 71.7% |
| THE LOAN STORE, INC. | 40 | $8.7M | $217K | 87.5% |
| City Bank | 26 | $6.0M | $231K | 61.5% |
| First Financial Bank | 26 | $5.6M | $215K | 76.9% |
| Guaranty Bank & Trust, N.A. | 18 | $8.4M | $466K | 100.0% |
| VeraBank, National Association | 15 | $5.5M | $365K | 93.3% |
| DHI MORTGAGE COMPANY, LTD. | 15 | $3.3M | $223K | 100.0% |
| Prosperity Bank | 14 | $3.7M | $265K | 100.0% |
| American Momentum Bank | 14 | $3.4M | $243K | 85.7% |
| Rocket Mortgage, LLC | 12 | $2.2M | $185K | 58.3% |
| First National Bank of Central Texas | 11 | $4.4M | $403K | 72.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | $1.5M | $154K | 90.0% |
| Extraco Banks, National Association | 9 | $2.8M | $313K | 77.8% |
| Kiavi Funding, Inc. | 9 | $2.0M | $221K | 88.9% |
| Simmons Bank | 8 | $7.4M | $929K | 87.5% |
| CMG MORTGAGE, INC. | 8 | $1.8M | $230K | 100.0% |
| JPMorgan Chase Bank, National Association | 8 | $1.2M | $153K | 87.5% |
| PILGRIM MORTGAGE LLC | 7 | $2.1M | $298K | 85.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | $2.1M | $294K | 85.7% |
| First National Bank of Huntsville | 7 | $1.7M | $246K | 57.1% |
| Fairway Independent Mortgage Corporation | 7 | $1.6M | $222K | 100.0% |
| CHAMPIONS FUNDING, LLC | 6 | $1.6M | $267K | 66.7% |
| Bank of America, National Association | 6 | $1.5M | $245K | 100.0% |
| Citizens State Bank | 6 | $1.5M | $243K | 83.3% |
| NexBank | 6 | $1.3M | $222K | 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 Brazos County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Brazos County CSV, all 25 lenders
What Brazos County's table can't show you: fit. Short-term financing is exempt from HMDA, so Brazos 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 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 Brazos County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Brazos 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 — Brazos County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 175 lenders and 635 loans: 2025 HMDA loan-level data rolled up to Brazos County.
- Brazos County investor-lender dataset (CSV) — All 25 Brazos 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.