DSCR Loans in Cameron County, Texas
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)
Dominick Prevete arranges DSCR loans across Cameron County, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 105 lenders made 428 investment-property loans there, 0.9% of Texas's total; the most active are in the table below.
Cameron County investor market at a glance
| Statistic | Cameron County | Texas | County rank |
|---|---|---|---|
| Investor loans | 428 | 49,613 | 26th of 51 |
| Reporting lenders | 105 | 903 | 26th of 51 |
| Loan volume | $98.7M | $13.00B | 25th of 51 |
| Average loan | $230K | $262K | 28th of 51 |
| Median loan | $180K | $205K | 30th of 51 |
| Purchases | 58.2% | 61.7% | 35th of 51 |
| Cash-out refinances | 25.0% | 17.9% | 6th of 51 |
| 2–4 unit properties | 22.9% | 8.8% | 4th of 51 |
| Top five lenders' share | 22.9% | 18.3% | 46th of 51 |
| Reported business-purpose | 67.5% | 68.5% | 23rd of 51 |
Cameron County: closed-end loans on 1–4 unit investment properties. Cameron County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cameron County's investor loans.
What stands out in Cameron County
22.9% of Cameron County's investor loans financed a 2–4 unit property, ranking 4th highest of Texas's 51 counties with published data (statewide: 8.8%).
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.
25.0% of Cameron County's investor loans were cash-out refinances, ranking 6th highest of Texas's 51 counties with published data (statewide: 17.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Who are the DSCR and investment-property lenders in Cameron County?
The most active investment-property lenders in Cameron County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; First Community Bank; and Hometown Equity Mortgage, LLC, out of 105 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 Cameron County, and matches each file to the one most likely to fund it.
Cameron County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 428 loans and $98.7M from 105 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Cameron County with 28 loans, 6.5% of the county's total, and the average Cameron County loan of $230K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 28 | $6.0M | $215K | 35.7% |
| First Community Bank | 20 | $4.5M | $224K | 75.0% |
| Hometown Equity Mortgage, LLC | 18 | $4.5M | $247K | 50.0% |
| International Bank of Commerce | 17 | $5.2M | $304K | 88.2% |
| Texas National Bank | 15 | $6.4M | $424K | 60.0% |
| Lone Star National Bank | 15 | $3.3M | $220K | 46.7% |
| Texas Regional Bank | 14 | $4.2M | $299K | 85.7% |
| Kiavi Funding, Inc. | 14 | $2.4M | $174K | 28.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 12 | $3.5M | $290K | 83.3% |
| CHAMPIONS FUNDING, LLC | 11 | $2.3M | $210K | 36.4% |
| Synergy One Lending, Inc. | 10 | $2.0M | $199K | 60.0% |
| PlainsCapital Bank | 9 | $2.2M | $248K | 77.8% |
| Fairway Independent Mortgage Corporation | 9 | $2.1M | $237K | 66.7% |
| Rio Bank | 9 | $1.5M | $163K | 55.6% |
| THE LOAN STORE, INC. | 7 | $3.4M | $481K | 71.4% |
| Rocket Mortgage, LLC | 7 | $1.9M | $265K | 42.9% |
| NEWREZ LLC | 7 | $1.7M | $238K | 57.1% |
| DIRECTIONS EQUITY, LLC | 7 | $0.9M | $131K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | $0.8M | $119K | 0.0% |
| A&D Mortgage LLC | 6 | $1.5M | $247K | 83.3% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $1.5M | $245K | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | $0.9M | $157K | 16.7% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6 | $0.8M | $127K | 50.0% |
| UNION HOME MORTGAGE CORP. | 6 | $0.8M | $125K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $1.5M | $297K | 40.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cameron County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cameron County CSV, all 25 lenders
What Cameron County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cameron County's fix-and-flip and bridge lenders barely appear among its 105 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 Cameron County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cameron County 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 — Cameron County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 105 lenders and 428 loans: 2025 HMDA loan-level data rolled up to Cameron County.
- Cameron County investor-lender dataset (CSV) — All 25 Cameron County lenders in the table, UNITED SHORE FINANCIAL SERVICES, LLC first, with volume, average loan and purchase share for each.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.