DSCR Loans in Cambria 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, 33 lenders made 108 investment-property loans in Cambria County, 0.4% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Cambria 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 $200,000.
Cambria County investor market at a glance
| Statistic | Cambria County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 108 | 24,181 | 33rd of 35 |
| Reporting lenders | 33 | 587 | 34th of 35 |
| Loan volume | $9.4M | $5.10B | 35th of 35 |
| Average loan | $87K | $211K | 35th of 35 |
| Median loan | $70K | $175K | 35th of 35 |
| Purchases | 66.7% | 55.3% | 9th of 35 |
| Cash-out refinances | 5.6% | 21.3% | 32nd of 35 |
| 2–4 unit properties | 46.3% | 26.5% | 4th of 35 |
| Top five lenders' share | 61.1% | 20.4% | 4th of 35 |
| Reported business-purpose | 75.9% | 77.2% | 13th of 35 |
Cambria County: closed-end loans on 1–4 unit investment properties. Cambria County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cambria County's investor loans.
What stands out in Cambria County
The average investor loan in Cambria County was $87K, the lowest average of Pennsylvania's 35 counties with published data (statewide: $211K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
5.6% of Cambria County's investor loans were cash-out refinances, the 3rd-lowest share of Pennsylvania's 35 counties with published data (statewide: 21.3%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
46.3% of Cambria County's investor loans financed a 2–4 unit property, the 4th-highest share of Pennsylvania's 35 counties with published data (statewide: 26.5%).
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.
Does a DSCR loan pencil in Cambria County?
At HUD's fair market rent of $1,404 for a 3-bedroom in Cambria County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $200,000, with 20% down at the 7.25% starting rate (November 2026). Cambria County's median home value is $121,000; at that price the payment is $835 a month, so the property would need $850 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) | $1,014 / $1,404 / $1,429 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $121,000 |
| Median property taxes and effective rate | $1,492 (1.23% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $835 |
| Rent needed to cover that payment | $850 |
| Coverage of a 3-bedroom at fair market rent | 1.68 |
| Highest price a 3-bedroom at fair market rent covers | about $200,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $290,000 |
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 Cambria County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cambria County?
The most active investment-property lenders in Cambria County in 2025 HMDA data were InFirst Bank, 1st Summit Bank and SOMERSET TRUST COMPANY, out of 33 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 Cambria County, and matches each file to the one most likely to fund it.
Cambria County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 108 loans and $9.4M from 33 lenders. InFirst Bank led Cambria County with 27 loans, 25.0% of the county's total, and the average Cambria County loan of $87K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| InFirst Bank | 27 | $1.7M | $63K | 88.9% |
| 1st Summit Bank | 18 | $1.6M | $92K | 61.1% |
| SOMERSET TRUST COMPANY | 9 | $1.3M | $144K | 55.6% |
| First Commonwealth Bank | 6 | $0.5M | $85K | 66.7% |
| AmeriServ Financial Bank | 6 | $0.3M | $48K | 50.0% |
| First National Bank of Pennsylvania | 4 | $0.5M | $113K | 100.0% |
| PennCrest Bank | 4 | $0.4M | $98K | 25.0% |
| CNB Bank | 3 | $0.1M | $48K | 33.3% |
| Kiavi Funding, Inc. | 2 | $0.3M | $165K | 0.0% |
| NFM, INC. | 2 | $0.2M | $100K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $0.2M | $85K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | $0.1M | $75K | 50.0% |
| Jersey Shore State Bank | 2 | $0.1M | $70K | 0.0% |
| Broker Solutions, Inc. | 2 | $0.1M | $55K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | $0.3M | $305K | 0.0% |
| RELIANCE SAVINGS BANK | 1 | $0.2M | $195K | 0.0% |
| NEWREZ LLC | 1 | $0.1M | $135K | 100.0% |
| Logan Finance Corporation | 1 | $0.1M | $125K | 0.0% |
| A&D Mortgage LLC | 1 | $0.1M | $125K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | $0.1M | $125K | 0.0% |
| Slovenian Savings & Loan Association of Franklin-Conemaugh | 1 | $0.1M | $115K | 100.0% |
| S&T Bank | 1 | $0.1M | $115K | 0.0% |
| ARC Federal Credit Union | 1 | $0.1M | $105K | 100.0% |
| USAA Federal Savings Bank | 1 | $0.1M | $75K | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | $0.1M | $55K | 100.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cambria County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cambria County CSV, all 25 lenders
What Cambria County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cambria County's fix-and-flip and bridge lenders barely appear among its 33 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 Cambria County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cambria 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 — Cambria County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 33 lenders and 108 loans: 2025 HMDA loan-level data rolled up to Cambria County.
- Cambria County investor-lender dataset (CSV) — All 25 lenders in the Cambria County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cambria 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 Johnstown, PA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cambria 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.