DSCR Loans in Bryan County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 31 lenders made 175 investment-property loans in Bryan County, 1.6% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Bryan County, Oklahoma, 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 $205,000.
Bryan County investor market at a glance
| Statistic | Bryan County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 175 | 10,662 | 9th of 19 |
| Reporting lenders | 31 | 418 | 17th of 19 |
| Loan volume | $29.2M | $1.93B | 10th of 19 |
| Average loan | $167K | $181K | 12th of 19 |
| Median loan | $145K | $145K | 10th of 19 |
| Purchases | 74.9% | 62.5% | 2nd of 19 |
| Cash-out refinances | 4.0% | 8.7% | 19th of 19 |
| 2–4 unit properties | 16.0% | 13.2% | 8th of 19 |
| Top five lenders' share | 68.0% | 21.4% | 2nd of 19 |
| Reported business-purpose | 71.4% | 63.5% | 6th of 19 |
Bryan County: closed-end loans on 1–4 unit investment properties. Bryan County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bryan County's investor loans.
What stands out in Bryan County
4.0% of Bryan County's investor loans were cash-out refinances, the lowest share of Oklahoma's 19 counties with published data (statewide: 8.7%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
74.9% of Bryan County's investor loans were purchases, the 2nd-highest share of Oklahoma's 19 counties with published data (statewide: 62.5%).
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 68.0% of Bryan County's investor loans, the 2nd-highest share of Oklahoma's 19 counties with published data (statewide: 21.4%).
Five lenders write 68.0% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Bryan County?
At HUD's fair market rent of $1,329 for a 3-bedroom in Bryan County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Bryan County's median home value is $174,900; at that price the payment is $1,121 a month, so the property would need $1,125 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,004 / $1,329 / $1,530 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $174,900 |
| Median property taxes and effective rate | $1,118 (0.64% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,121 |
| Rent needed to cover that payment | $1,125 |
| Coverage of a 3-bedroom at fair market rent | 1.19 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $310,000 |
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 Bryan County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Bryan County?
The most active investment-property lenders in Bryan County in 2025 HMDA data were First United Bank and Trust Company, General Mortgage Capital Corporation and Vision Bank, out of 31 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 and matches each file to the one most likely to fund it.
Bryan County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 175 loans and $29.2M from 31 lenders. First United Bank and Trust Company led Bryan County with 50 loans, 28.6% of the county's total, and the average Bryan County loan of $167K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First United Bank and Trust Company | 50 | $8.9M | $177K | 72.0% |
| General Mortgage Capital Corporation | 38 | $5.9M | $156K | 84.2% |
| Vision Bank | 15 | $3.0M | $200K | 66.7% |
| Shamrock Bank, N.A. | 9 | $1.8M | $199K | 66.7% |
| First Texoma National Bank | 7 | $1.1M | $152K | 57.1% |
| AAA CAPITAL INVESTMENT, INC. | 7 | $1.0M | $141K | 100.0% |
| JPMorgan Chase Bank, National Association | 6 | $1.0M | $168K | 100.0% |
| AMWEST FUNDING CORP. | 4 | $0.6M | $153K | 50.0% |
| GUILD MORTGAGE COMPANY | 4 | $0.5M | $113K | 50.0% |
| Rocket Mortgage, LLC | 4 | $0.4M | $90K | 0.0% |
| Stride Bank, National Association | 3 | $0.5M | $165K | 100.0% |
| First Bank & Trust Co. | 2 | $0.6M | $310K | 100.0% |
| Great Plains National Bank | 2 | $0.4M | $215K | 100.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | $0.3M | $155K | 100.0% |
| Wellington State Bank | 2 | $0.3M | $135K | 100.0% |
| BancFirst | 2 | $0.3M | $125K | 50.0% |
| Firstar Bank | 2 | $0.2M | $90K | 100.0% |
| Simmons Bank | 2 | $0.1M | $50K | 0.0% |
| American Nation Bank | 2 | $0.1M | $30K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 1 | $0.5M | $545K | 100.0% |
| Legacy Bank | 1 | $0.4M | $355K | 100.0% |
| PLANET HOME LENDING, LLC | 1 | $0.2M | $205K | 100.0% |
| First Federal Bank | 1 | $0.2M | $195K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | $0.2M | $195K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | $0.2M | $175K | 100.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bryan County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bryan County CSV, all 25 lenders
What Bryan County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bryan County's fix-and-flip and bridge lenders barely appear among its 31 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 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 Bryan County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bryan County, Oklahoma 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 — Bryan County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 31 lenders and 175 loans: 2025 HMDA loan-level data rolled up to Bryan County.
- Bryan County investor-lender dataset (CSV) — All 25 lenders in the Bryan County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Bryan 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 Bryan County, OK.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Bryan 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.