DSCR Loans in Caddo Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 77 lenders made 464 investment-property loans in Caddo Parish, 5.6% of Louisiana's total. Dominick Prevete arranges DSCR loans across Caddo Parish, Louisiana, 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 $215,000.
Caddo Parish investor market at a glance
| Statistic | Caddo Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 464 | 8,254 | 6th of 17 |
| Reporting lenders | 77 | 337 | 6th of 17 |
| Loan volume | $64.4M | $1.46B | 7th of 17 |
| Average loan | $139K | $177K | 12th of 17 |
| Median loan | $105K | $125K | 11th of 17 |
| Purchases | 49.4% | 47.7% | 9th of 17 |
| Cash-out refinances | 11.6% | 13.1% | 7th of 17 |
| 2–4 unit properties | 16.6% | 23.6% | 12th of 17 |
| Top five lenders' share | 30.0% | 16.0% | 13th of 17 |
| Reported business-purpose | 46.8% | 46.3% | 8th of 17 |
Caddo Parish: closed-end loans on 1–4 unit investment properties. Caddo Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Caddo Parish's investor loans.
What stands out in Caddo Parish
The median investor loan in Caddo Parish was $105K, the 4th-lowest median of Louisiana's 17 counties with published data (statewide: $125K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Caddo Parish's 464 investor loans ranked 6th of Louisiana's 17 counties with published data.
Does a DSCR loan pencil in Caddo Parish?
At HUD's fair market rent of $1,380 for a 3-bedroom in Caddo Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Caddo Parish's median home value is $175,700; at that price the payment is $1,122 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) | $1,045 / $1,380 / $1,450 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $175,700 |
| Median property taxes and effective rate | $1,085 (0.62% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,122 |
| Rent needed to cover that payment | $1,125 |
| Coverage of a 3-bedroom at fair market rent | 1.23 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
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 Caddo Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Caddo Parish?
The most active investment-property lenders in Caddo Parish in 2025 HMDA data were Origin Bank; Progressive National Bank; and Citizens Bank & Trust Company of Vivian, Louisiana, 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 Caddo Parish, and matches each file to the one most likely to fund it.
Caddo Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 464 loans and $64.4M from 77 lenders. Origin Bank led Caddo Parish with 33 loans, 7.1% of the county's total, and the average Caddo Parish loan of $139K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Origin Bank | 33 | $6.1M | $183K | 48.5% |
| Progressive National Bank | 32 | $4.1M | $129K | 40.6% |
| Citizens Bank & Trust Company of Vivian, Louisiana | 28 | $2.7M | $97K | 35.7% |
| Gibsland Bank & Trust Company | 25 | $3.5M | $141K | 48.0% |
| Home Federal Bank | 21 | $1.9M | $92K | 66.7% |
| BANK OF COUSHATTA | 20 | $4.4M | $220K | 70.0% |
| City Bank & Trust Co. | 20 | $4.2M | $211K | 65.0% |
| Community Bank of Louisiana | 19 | $2.7M | $141K | 21.1% |
| b1BANK | 19 | $2.3M | $120K | 42.1% |
| Red River Bank | 18 | $1.6M | $89K | 27.8% |
| Citizens National Bank, N.A. | 17 | $3.3M | $196K | 29.4% |
| Cross Keys Bank | 16 | $2.2M | $140K | 75.0% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 16 | $1.6M | $98K | 43.8% |
| Progressive Bank | 13 | $1.5M | $116K | 61.5% |
| CARTER FEDERAL CREDIT UNION | 12 | $2.5M | $205K | 50.0% |
| BARKSDALE | 11 | $1.3M | $117K | 45.5% |
| LENDINGONE, LLC | 9 | $1.4M | $154K | 0.0% |
| BPL MORTGAGE TRUST, LLC | 8 | $0.7M | $91K | 87.5% |
| Cadence Bank | 8 | $0.5M | $68K | 62.5% |
| PLANET HOME LENDING, LLC | 7 | $0.5M | $71K | 100.0% |
| United Wholesale Mortgage | 6 | $0.6M | $102K | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | $0.8M | $151K | 40.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | $0.7M | $145K | 40.0% |
| STANDARD MORTGAGE CORPORATION | 5 | $0.6M | $127K | 60.0% |
| NEWREZ LLC | 4 | $0.7M | $175K | 25.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Caddo Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Caddo Parish CSV, all 25 lenders
What Caddo Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Caddo Parish'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 Caddo Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Caddo Parish |
|---|---|---|---|
| Bossier Parish, LA | 219 | 48 | Borders Caddo Parish |
| Harrison County, TX | 108 | 35 | Borders Caddo Parish |
| Miller County, AR | 105 | 25 | Borders Caddo Parish |
| Gregg County, TX | 216 | 59 | About 55 miles away |
| Bowie County, TX | 238 | 51 | About 65 miles away |
| Lincoln Parish, LA | 161 | 32 | About 70 miles away |
Run the coverage test on your Caddo Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Caddo Parish, Louisiana 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 — Caddo Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 77 lenders and 464 loans: 2025 HMDA loan-level data rolled up to Caddo Parish.
- Caddo Parish investor-lender dataset (CSV) — All 25 lenders in the Caddo Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Caddo Parish'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 Shreveport-Bossier City, LA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Caddo Parish'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.