DSCR Loans in Bucks County, Pennsylvania
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, 157 lenders made 586 investment-property loans in Bucks County, 2.4% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Bucks County, Pennsylvania, 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 $315,000.
Bucks County investor market at a glance
| Statistic | Bucks County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 586 | 24,181 | 14th of 35 |
| Reporting lenders | 157 | 587 | 5th of 35 |
| Loan volume | $196.9M | $5.10B | 6th of 35 |
| Average loan | $336K | $211K | 1st of 35 |
| Median loan | $285K | $175K | 1st of 35 |
| Purchases | 59.7% | 55.3% | 19th of 35 |
| Cash-out refinances | 18.4% | 21.3% | 15th of 35 |
| 2–4 unit properties | 12.8% | 26.5% | 33rd of 35 |
| Top five lenders' share | 20.0% | 20.4% | 35th of 35 |
| Reported business-purpose | 68.9% | 77.2% | 24th of 35 |
Bucks County: closed-end loans on 1–4 unit investment properties. Bucks County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bucks County's investor loans.
What stands out in Bucks County
The average investor loan in Bucks County was $336K, the highest average of Pennsylvania's 35 counties with published data (statewide: $211K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 20.0% of Bucks County's investor loans, the lowest share of Pennsylvania's 35 counties with published data (statewide: 20.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
12.8% of Bucks County's investor loans financed a 2–4 unit property, the 3rd-lowest share of Pennsylvania's 35 counties with published data (statewide: 26.5%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Bucks County?
At HUD's fair market rent of $2,216 for a 3-bedroom in Bucks County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $315,000, with 20% down at the 7.25% starting rate (November 2026). Bucks County's median home value is $445,700; at that price the payment is $3,104 a month, so the property would need $3,125 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) | $1,860 / $2,216 / $2,445 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $445,700 |
| Median property taxes and effective rate | $5,826 (1.31% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,104 |
| Rent needed to cover that payment | $3,125 |
| Coverage of a 3-bedroom at fair market rent | 0.71 |
| Highest price a 3-bedroom at fair market rent covers | about $315,000 |
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 Bucks County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Bucks County?
The most active investment-property lenders in Bucks County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and CROSSCOUNTRY MORTGAGE, INC., out of 157 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 several that reported in Bucks County, and matches each file to the one most likely to fund it.
Bucks County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 586 loans and $196.9M from 157 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Bucks County with 31 loans, 5.3% of the county's total, and the average Bucks County loan of $336K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 31 | $13.3M | $429K | 54.8% |
| Kiavi Funding, Inc. | 28 | $8.9M | $319K | 64.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | $7.8M | $338K | 78.3% |
| QNB Bank | 19 | $5.4M | $283K | 73.7% |
| First National Bank and Trust Company of Newtown | 16 | $6.5M | $408K | 31.2% |
| MOVEMENT MORTGAGE, LLC | 13 | $3.5M | $267K | 76.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | $4.4M | $364K | 91.7% |
| Hatboro Federal Savings, FA | 12 | $3.0M | $252K | 66.7% |
| GUARANTEED RATE, INC. | 11 | $3.8M | $349K | 81.8% |
| Prosperity Home Mortgage, LLC | 11 | $3.3M | $300K | 72.7% |
| Penn Community Bank | 11 | $3.1M | $279K | 81.8% |
| PENNYMAC LOAN SERVICES, LLC | 11 | $3.0M | $269K | 72.7% |
| LENDING CAPITAL GROUP Inc | 11 | $2.6M | $232K | 81.8% |
| ICE LENDER HOLDINGS LLC | 10 | $4.4M | $438K | 50.0% |
| AMERICAN HERITAGE FCU | 10 | $2.0M | $199K | 40.0% |
| LEI:9845001ADACA7A75EE02 | 9 | $3.2M | $361K | 0.0% |
| Univest Bank and Trust Co. | 9 | $1.7M | $186K | 33.3% |
| Rocket Mortgage, LLC | 8 | $3.2M | $399K | 62.5% |
| CHAMPIONS FUNDING, LLC | 8 | $3.1M | $390K | 37.5% |
| KIND LENDING, LLC | 8 | $3.1M | $385K | 87.5% |
| NEXERA HOLDING LLC | 8 | $2.4M | $304K | 25.0% |
| Wells Fargo Bank, National Association | 8 | $1.9M | $236K | 75.0% |
| Harleysville Bank | 7 | $2.7M | $379K | 71.4% |
| A&D Mortgage LLC | 7 | $2.6M | $372K | 42.9% |
| CITIZENS & NORTHERN BANK | 7 | $2.3M | $332K | 71.4% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bucks County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bucks County CSV, all 25 lenders
What Bucks County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bucks County's fix-and-flip and bridge lenders barely appear among its 157 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 several 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 Bucks County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bucks County, Pennsylvania 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 — Bucks County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 157 lenders and 586 loans: 2025 HMDA loan-level data rolled up to Bucks County.
- Bucks County investor-lender dataset (CSV) — All 25 lenders in the Bucks County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Bucks 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Bucks 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.