DSCR Loans in Carbon 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, 99 lenders made 252 investment-property loans in Carbon County, 1.0% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Carbon 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 $325,000.
Carbon County investor market at a glance
| Statistic | Carbon County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 252 | 24,181 | 20th of 35 |
| Reporting lenders | 99 | 587 | 16th of 35 |
| Loan volume | $61.8M | $5.10B | 17th of 35 |
| Average loan | $245K | $211K | 5th of 35 |
| Median loan | $195K | $175K | 11th of 35 |
| Purchases | 64.3% | 55.3% | 12th of 35 |
| Cash-out refinances | 14.3% | 21.3% | 23rd of 35 |
| 2–4 unit properties | 17.9% | 26.5% | 29th of 35 |
| Top five lenders' share | 29.0% | 20.4% | 28th of 35 |
| Reported business-purpose | 67.5% | 77.2% | 26th of 35 |
Carbon County: closed-end loans on 1–4 unit investment properties. Carbon County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Carbon County's investor loans.
What stands out in Carbon County
The average investor loan in Carbon County was $245K, the 5th-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.
17.9% of Carbon County's investor loans financed a 2–4 unit property, the 7th-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.
The five most active lenders wrote 29.0% of Carbon County's investor loans, the 8th-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.
Does a DSCR loan pencil in Carbon County?
At HUD's fair market rent of $2,306 for a 3-bedroom in Carbon County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $325,000, with 20% down at the 7.25% starting rate (November 2026). Carbon County's median home value is $211,400; at that price the payment is $1,499 a month, so the property would need $1,500 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) | $1,839 / $2,306 / $2,482 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $211,400 |
| Median property taxes and effective rate | $3,088 (1.46% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,499 |
| Rent needed to cover that payment | $1,500 |
| Coverage of a 3-bedroom at fair market rent | 1.54 |
| Highest price a 3-bedroom at fair market rent covers | about $325,000 |
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 Carbon County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Carbon County?
The most active investment-property lenders in Carbon County in 2025 HMDA data were Kiavi Funding, Inc.; First Keystone Community Bank; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 99 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 Carbon County, and matches each file to the one most likely to fund it.
Carbon County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 252 loans and $61.8M from 99 lenders. Kiavi Funding, Inc. led Carbon County with 22 loans, 8.7% of the county's total, and the average Carbon County loan of $245K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 22 | $3.2M | $146K | 31.8% |
| First Keystone Community Bank | 15 | $1.6M | $107K | 13.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | $3.4M | $263K | 92.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | $2.8M | $217K | 100.0% |
| GUARANTEED RATE, INC. | 10 | $5.2M | $516K | 80.0% |
| Mauch Chunk Trust Company | 9 | $1.7M | $192K | 55.6% |
| MOVEMENT MORTGAGE, LLC | 7 | $3.9M | $559K | 85.7% |
| Rocket Mortgage, LLC | 7 | $1.0M | $149K | 14.3% |
| THE LOAN STORE, INC. | 6 | $1.3M | $208K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 5 | $0.6M | $115K | 40.0% |
| Community Bank, National Association | 5 | $0.5M | $95K | 80.0% |
| NEWREZ LLC | 4 | $1.3M | $315K | 75.0% |
| Jim Thorpe Neighborhood Bank | 4 | $1.1M | $288K | 75.0% |
| The Honesdale National Bank | 4 | $0.7M | $178K | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | $0.7M | $173K | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $0.6M | $138K | 50.0% |
| LEI:2549005FUF02T1IFCA22 | 3 | $0.9M | $315K | 100.0% |
| Mortgage America, Inc. | 3 | $0.7M | $222K | 66.7% |
| New Tripoli Bank | 3 | $0.6M | $212K | 100.0% |
| The Fidelity Deposit and Discount Bank | 3 | $0.6M | $192K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | $0.4M | $118K | 0.0% |
| T2 FINANCIAL LLC | 3 | $0.3M | $88K | 33.3% |
| Commerce Home Mortgage, Inc. | 2 | $0.9M | $470K | 50.0% |
| ALLIANT CREDIT UNION | 2 | $0.9M | $455K | 100.0% |
| OCMBC, INC. | 2 | $0.9M | $435K | 50.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Carbon County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Carbon County CSV, all 25 lenders
What Carbon County's table can't show you: fit. Short-term financing is exempt from HMDA, so Carbon County's fix-and-flip and bridge lenders barely appear among its 99 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 Carbon County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Carbon 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 — Carbon County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 99 lenders and 252 loans: 2025 HMDA loan-level data rolled up to Carbon County.
- Carbon County investor-lender dataset (CSV) — All 25 lenders in the Carbon County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Carbon 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 Allentown-Bethlehem-Easton, PA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Carbon 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.