DSCR Loans in Brown County, Wisconsin
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, 77 lenders made 384 investment-property loans in Brown County, 4.3% of Wisconsin's total. Dominick Prevete arranges DSCR loans across Brown County, Wisconsin, 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 $240,000.
Brown County investor market at a glance
| Statistic | Brown County | Wisconsin | County rank |
|---|---|---|---|
| Investor loans | 384 | 8,874 | 3rd of 17 |
| Reporting lenders | 77 | 462 | 8th of 17 |
| Loan volume | $96.3M | $1.96B | 3rd of 17 |
| Average loan | $251K | $221K | 5th of 17 |
| Median loan | $210K | $175K | 5th of 17 |
| Purchases | 60.4% | 59.3% | 9th of 17 |
| Cash-out refinances | 16.9% | 16.9% | 7th of 17 |
| 2–4 unit properties | 47.7% | 41.0% | 4th of 17 |
| Top five lenders' share | 46.9% | 14.2% | 5th of 17 |
| Reported business-purpose | 72.9% | 66.8% | 5th of 17 |
Brown County: closed-end loans on 1–4 unit investment properties. Brown County's rank is highest first, among Wisconsin's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Brown County's investor loans.
What stands out in Brown County
47.7% of Brown County's investor loans financed a 2–4 unit property, the 4th-highest share of Wisconsin's 17 counties with published data (statewide: 41.0%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Brown County's 384 investor loans ranked 3rd of Wisconsin's 17 counties with published data.
Does a DSCR loan pencil in Brown County?
At HUD's fair market rent of $1,697 for a 3-bedroom in Brown County, Wisconsin, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). Brown County's median home value is $266,000; at that price the payment is $1,868 a month, so the property would need $1,875 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) | $1,287 / $1,697 / $1,765 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $266,000 |
| Median property taxes and effective rate | $3,663 (1.38% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,868 |
| Rent needed to cover that payment | $1,875 |
| Coverage of a 3-bedroom at fair market rent | 0.91 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $365,000 |
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 Brown County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Brown County?
The most active investment-property lenders in Brown County in 2025 HMDA data were Community First, Nicolet National Bank and FOX COMMUNITIES Credit Union, out of 77 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 Brown County, and matches each file to the one most likely to fund it.
Brown County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 384 loans and $96.3M from 77 lenders. Community First led Brown County with 56 loans, 14.6% of the county's total, and the average Brown County loan of $251K compares with $221K across Wisconsin.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community First | 56 | $22.9M | $409K | 26.8% |
| Nicolet National Bank | 44 | $12.9M | $293K | 90.9% |
| FOX COMMUNITIES Credit Union | 36 | $7.7M | $215K | 44.4% |
| United Wholesale Mortgage | 23 | $4.3M | $185K | 56.5% |
| CAPITAL Credit Union | 21 | $3.3M | $155K | 38.1% |
| FIRST COLONY MORTGAGE CORPORATION | 14 | $3.2M | $227K | 78.6% |
| SHORELINE CREDIT UNION | 13 | $3.2M | $247K | 38.5% |
| Bank of Luxemburg | 13 | $3.0M | $233K | 61.5% |
| COVANTAGE CREDIT UNION | 10 | $1.8M | $181K | 50.0% |
| Luminate Bank | 10 | $1.5M | $154K | 60.0% |
| The Stephenson National Bank and Trust | 9 | $2.3M | $252K | 55.6% |
| Associated Bank, National Association | 7 | $1.3M | $191K | 100.0% |
| Bristol Morgan Bank | 6 | $1.4M | $230K | 100.0% |
| Bank First, N.A. | 6 | $1.1M | $180K | 100.0% |
| West Pointe Bank | 5 | $1.3M | $265K | 80.0% |
| GreenLeaf Bank | 5 | $1.2M | $243K | 60.0% |
| Premier Community Bank | 5 | $1.2M | $237K | 80.0% |
| Rocket Mortgage, LLC | 5 | $1.0M | $201K | 40.0% |
| Fortifi Bank | 5 | $0.8M | $155K | 40.0% |
| Summit Credit Union | 4 | $0.9M | $235K | 50.0% |
| Nations Lending Corporation | 4 | $0.8M | $203K | 100.0% |
| U.S. Bank National Association | 4 | $0.8M | $200K | 75.0% |
| MLD MORTGAGE INC. | 3 | $0.8M | $268K | 66.7% |
| CHAMPIONS FUNDING, LLC | 3 | $0.7M | $218K | 66.7% |
| Wells Fargo Bank, National Association | 3 | $0.6M | $212K | 100.0% |
154 Wisconsin loans (1.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Brown County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Brown County CSV, all 25 lenders
What Brown County's table can't show you: fit. Short-term financing is exempt from HMDA, so Brown County's fix-and-flip and bridge lenders barely appear among its 77 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Brown County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Brown County |
|---|---|---|---|
| Outagamie County, WI | 282 | 67 | Borders Brown County |
| Manitowoc County, WI | 186 | 50 | Borders Brown County |
| Winnebago County, WI | 249 | 65 | About 45 miles away |
| Sheboygan County, WI | 200 | 62 | About 50 miles away |
| Marathon County, WI | 193 | 42 | About 90 miles away |
Run the coverage test on your Brown County, Wisconsin deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Brown County, Wisconsin 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 — Brown County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 77 lenders and 384 loans: 2025 HMDA loan-level data rolled up to Brown County.
- Brown County investor-lender dataset (CSV) — All 25 lenders in the Brown County, Wisconsin table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Brown 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 Green Bay, WI HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Brown 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.