DSCR Loans in Centre 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, 67 lenders made 169 investment-property loans in Centre County, 0.7% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Centre 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 $290,000.
Centre County investor market at a glance
| Statistic | Centre County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 169 | 24,181 | 26th of 35 |
| Reporting lenders | 67 | 587 | 23rd of 35 |
| Loan volume | $39.9M | $5.10B | 20th of 35 |
| Average loan | $236K | $211K | 8th of 35 |
| Median loan | $215K | $175K | 5th of 35 |
| Purchases | 72.2% | 55.3% | 4th of 35 |
| Cash-out refinances | 11.8% | 21.3% | 27th of 35 |
| 2–4 unit properties | 20.7% | 26.5% | 25th of 35 |
| Top five lenders' share | 38.5% | 20.4% | 15th of 35 |
| Reported business-purpose | 71.0% | 77.2% | 22nd of 35 |
Centre County: closed-end loans on 1–4 unit investment properties. Centre County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Centre County's investor loans.
What stands out in Centre County
72.2% of Centre County's investor loans were purchases, the 4th-highest share of Pennsylvania's 35 counties with published data (statewide: 55.3%).
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.
The median investor loan in Centre County was $215K, the 5th-highest median of Pennsylvania's 35 counties with published data (statewide: $175K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Centre County?
At HUD's fair market rent of $1,977 for a 3-bedroom in Centre County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $290,000, with 20% down at the 7.25% starting rate (November 2026). Centre County's median home value is $323,500; at that price the payment is $2,182 a month, so the property would need $2,200 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,537 / $1,977 / $2,020 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $323,500 |
| Median property taxes and effective rate | $3,386 (1.05% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,182 |
| Rent needed to cover that payment | $2,200 |
| Coverage of a 3-bedroom at fair market rent | 0.91 |
| Highest price a 3-bedroom at fair market rent covers | 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 Centre County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Centre County?
The most active investment-property lenders in Centre County in 2025 HMDA data were Kish Bank, Jersey Shore State Bank and PENN STATE, out of 67 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 Centre County, and matches each file to the one most likely to fund it.
Centre County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 169 loans and $39.9M from 67 lenders. Kish Bank led Centre County with 29 loans, 17.2% of the county's total, and the average Centre County loan of $236K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kish Bank | 29 | $6.0M | $208K | 72.4% |
| Jersey Shore State Bank | 11 | $2.6M | $235K | 45.5% |
| PENN STATE | 10 | $1.7M | $173K | 20.0% |
| CNB Bank | 9 | $0.8M | $88K | 66.7% |
| KIND LENDING, LLC | 6 | $1.8M | $292K | 83.3% |
| RELIANCE SAVINGS BANK | 6 | $1.2M | $203K | 83.3% |
| Fairway Independent Mortgage Corporation | 5 | $1.6M | $321K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $1.2M | $239K | 100.0% |
| Old Dominion National Bank | 5 | $0.9M | $183K | 80.0% |
| Mifflinburg Bank and Trust Company | 4 | $1.2M | $298K | 100.0% |
| First National Bank of Pennsylvania | 4 | $1.0M | $240K | 100.0% |
| The Juniata Valley Bank | 4 | $0.8M | $205K | 100.0% |
| JPMorgan Chase Bank, National Association | 3 | $0.7M | $242K | 66.7% |
| THE LOAN STORE, INC. | 3 | $0.5M | $152K | 66.7% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 3 | $0.3M | $85K | 0.0% |
| NEWREZ LLC | 2 | $1.5M | $760K | 100.0% |
| Northwest Bank | 2 | $0.9M | $450K | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | $0.7M | $365K | 50.0% |
| Univest Bank and Trust Co. | 2 | $0.7M | $350K | 100.0% |
| LOWER, LLC | 2 | $0.6M | $280K | 50.0% |
| UNION HOME MORTGAGE CORP. | 2 | $0.5M | $250K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.5M | $235K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.5M | $235K | 50.0% |
| Citizens Bank, National Association | 2 | $0.4M | $210K | 100.0% |
| Susquehanna Community Bank | 2 | $0.4M | $185K | 0.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Centre County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Centre County CSV, all 25 lenders
What Centre County's table can't show you: fit. Short-term financing is exempt from HMDA, so Centre County's fix-and-flip and bridge lenders barely appear among its 67 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 Centre County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Centre 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 — Centre County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 67 lenders and 169 loans: 2025 HMDA loan-level data rolled up to Centre County.
- Centre County investor-lender dataset (CSV) — All 25 lenders in the Centre County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Centre 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 State College, PA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Centre 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.