DSCR Loans in Canadian County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 119 lenders made 518 investment-property loans in Canadian County, 4.9% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Canadian 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 $255,000.
Canadian County investor market at a glance
| Statistic | Canadian County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 518 | 10,662 | 4th of 19 |
| Reporting lenders | 119 | 418 | 4th of 19 |
| Loan volume | $95.0M | $1.93B | 5th of 19 |
| Average loan | $183K | $181K | 8th of 19 |
| Median loan | $165K | $145K | 4th of 19 |
| Purchases | 72.8% | 62.5% | 3rd of 19 |
| Cash-out refinances | 7.5% | 8.7% | 10th of 19 |
| 2–4 unit properties | 9.5% | 13.2% | 16th of 19 |
| Top five lenders' share | 28.2% | 21.4% | 16th of 19 |
| Reported business-purpose | 64.5% | 63.5% | 9th of 19 |
Canadian County: closed-end loans on 1–4 unit investment properties. Canadian County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Canadian County's investor loans.
What stands out in Canadian County
72.8% of Canadian County's investor loans were purchases, the 3rd-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.
9.5% of Canadian County's investor loans financed a 2–4 unit property, the 4th-lowest share of Oklahoma's 19 counties with published data (statewide: 13.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The median investor loan in Canadian County was $165K, the 4th-highest median of Oklahoma's 19 counties with published data (statewide: $145K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Canadian County?
At HUD's fair market rent of $1,713 for a 3-bedroom in Canadian County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $255,000, with 20% down at the 7.25% starting rate (November 2026). Canadian County's median home value is $246,200; at that price the payment is $1,646 a month, so the property would need $1,650 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) | $1,264 / $1,713 / $1,923 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $246,200 |
| Median property taxes and effective rate | $2,394 (0.97% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,646 |
| Rent needed to cover that payment | $1,650 |
| Coverage of a 3-bedroom at fair market rent | 1.04 |
| Highest price a 3-bedroom at fair market rent covers | about $255,000 |
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 Canadian County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Canadian County?
The most active investment-property lenders in Canadian County in 2025 HMDA data were BancFirst; DHI MORTGAGE COMPANY, LTD.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 119 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.
Canadian County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 518 loans and $95.0M from 119 lenders. BancFirst led Canadian County with 43 loans, 8.3% of the county's total, and the average Canadian County loan of $183K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BancFirst | 43 | $4.8M | $112K | 48.8% |
| DHI MORTGAGE COMPANY, LTD. | 38 | $7.7M | $203K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 25 | $3.9M | $157K | 96.0% |
| Bank 7 | 21 | $4.0M | $190K | 66.7% |
| First United Bank and Trust Company | 19 | $3.5M | $182K | 84.2% |
| YNB | 17 | $4.0M | $236K | 64.7% |
| LENNAR MORTGAGE, LLC | 17 | $3.0M | $174K | 100.0% |
| Great Plains National Bank | 16 | $3.5M | $219K | 56.2% |
| Sovereign Bank | 15 | $2.3M | $150K | 80.0% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $2.2M | $219K | 100.0% |
| AMWEST FUNDING CORP. | 10 | $1.6M | $165K | 60.0% |
| Arvest Bank | 9 | $2.4M | $263K | 55.6% |
| AML FUNDING LLC | 9 | $1.5M | $172K | 77.8% |
| Stride Bank, National Association | 8 | $2.0M | $246K | 100.0% |
| First Bethany Bank & Trust | 7 | $1.4M | $204K | 71.4% |
| GUARANTEED RATE, INC. | 7 | $1.4M | $201K | 71.4% |
| The Citizens Bank of Edmond | 7 | $1.3M | $189K | 100.0% |
| MidFirst Bank | 7 | $1.2M | $176K | 71.4% |
| UNION HOME MORTGAGE CORP. | 7 | $1.2M | $169K | 85.7% |
| Rocket Mortgage, LLC | 7 | $1.0M | $149K | 71.4% |
| LEI:254900TGSOSDEDP36K37 | 7 | $0.9M | $126K | 100.0% |
| Prosperity Bank | 6 | $2.2M | $367K | 83.3% |
| F&M Bank | 6 | $1.3M | $213K | 33.3% |
| THE LOAN STORE, INC. | 6 | $1.1M | $192K | 66.7% |
| FIRST SECURITY BANK AND TRUST COMPANY | 6 | $1.1M | $187K | 83.3% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Canadian County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Canadian County CSV, all 25 lenders
What Canadian County's table can't show you: fit. Short-term financing is exempt from HMDA, so Canadian County's fix-and-flip and bridge lenders barely appear among its 119 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 Canadian County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Canadian 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 — Canadian County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 119 lenders and 518 loans: 2025 HMDA loan-level data rolled up to Canadian County.
- Canadian County investor-lender dataset (CSV) — All 25 lenders in the Canadian County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Canadian 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 Oklahoma City, OK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Canadian 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.