DSCR Loans in Christian County, Missouri
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 64 lenders made 179 investment-property loans in Christian County, 1.2% of Missouri's total. Dominick Prevete arranges DSCR loans across Christian County, Missouri, 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 $235,000.
Christian County investor market at a glance
| Statistic | Christian County | Missouri | County rank |
|---|---|---|---|
| Investor loans | 179 | 15,393 | 15th of 22 |
| Reporting lenders | 64 | 534 | 12th of 22 |
| Loan volume | $41.8M | $2.82B | 14th of 22 |
| Average loan | $234K | $183K | 7th of 22 |
| Median loan | $195K | $145K | 6th of 22 |
| Purchases | 67.0% | 61.2% | 10th of 22 |
| Cash-out refinances | 8.4% | 12.1% | 12th of 22 |
| 2–4 unit properties | 18.4% | 19.1% | 12th of 22 |
| Top five lenders' share | 30.7% | 18.3% | 16th of 22 |
| Reported business-purpose | 43.0% | 63.6% | 21st of 22 |
Christian County: closed-end loans on 1–4 unit investment properties. Christian County's rank is highest first, among Missouri's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Christian County's investor loans.
What stands out in Christian County
43.0% of Christian County's investor loans were reported as business-purpose, the 2nd-lowest share of Missouri's 22 counties with published data (statewide: 63.6%).
Fewer investor loans here were reported as business-purpose than in most of Missouri. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Christian County's 179 investor loans ranked 15th of Missouri's 22 counties with published data.
Does a DSCR loan pencil in Christian County?
At HUD's fair market rent of $1,539 for a 3-bedroom in Christian County, Missouri, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Christian County's median home value is $274,900; at that price the payment is $1,776 a month, so the property would need $1,800 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) | $1,113 / $1,539 / $1,768 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $274,900 |
| Median property taxes and effective rate | $1,938 (0.70% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,776 |
| Rent needed to cover that payment | $1,800 |
| Coverage of a 3-bedroom at fair market rent | 0.87 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
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 Christian County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Christian County?
The most active investment-property lenders in Christian County in 2025 HMDA data were Old Missouri Bank, Oakstar Bank and Guaranty Bank, out of 64 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 Christian County, and matches each file to the one most likely to fund it.
Christian County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 179 loans and $41.8M from 64 lenders. Old Missouri Bank led Christian County with 14 loans, 7.8% of the county's total, and the average Christian County loan of $234K compares with $183K across Missouri.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Old Missouri Bank | 14 | $3.5M | $249K | 85.7% |
| Oakstar Bank | 12 | $2.8M | $230K | 83.3% |
| Guaranty Bank | 10 | $2.2M | $224K | 60.0% |
| Mid-Missouri Bank | 10 | $1.9M | $192K | 80.0% |
| Cadence Bank | 9 | $1.5M | $169K | 11.1% |
| LEI:5493001Q8FNQ5TSRE594 | 8 | $2.2M | $270K | 12.5% |
| Peoples Community Bank | 7 | $1.2M | $166K | 85.7% |
| The Central Trust Bank | 5 | $1.6M | $323K | 40.0% |
| Stockmens Bank | 5 | $1.3M | $269K | 100.0% |
| NFM, INC. | 5 | $1.1M | $213K | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 5 | $0.8M | $151K | 60.0% |
| Sullivan Bank | 4 | $1.7M | $435K | 100.0% |
| First Midwest Bank of Dexter | 4 | $0.9M | $225K | 100.0% |
| Ozark Bank | 4 | $0.8M | $213K | 25.0% |
| FREEDOM BANK OF SOUTHERN MISSOURI | 4 | $0.8M | $200K | 75.0% |
| State Bank of Southwest Missouri | 4 | $0.6M | $143K | 75.0% |
| Simmons Bank | 3 | $2.1M | $692K | 100.0% |
| Arvest Bank | 3 | $1.0M | $322K | 66.7% |
| LEI:54930042JJO3F1BJD749 | 3 | $0.8M | $265K | 66.7% |
| Legacy Bank & Trust Company | 3 | $0.6M | $208K | 100.0% |
| BluCurrent Credit Union | 3 | $0.6M | $185K | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | $0.6M | $280K | 50.0% |
| Great Southern Bank | 2 | $0.5M | $260K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.5M | $245K | 50.0% |
| ASSEMBLIES OF GOD Credit Union | 2 | $0.5M | $245K | 50.0% |
561 Missouri loans (3.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Christian County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Christian County CSV, all 25 lenders
What Christian County's table can't show you: fit. Short-term financing is exempt from HMDA, so Christian County's fix-and-flip and bridge lenders barely appear among its 64 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 Christian County, Missouri deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Christian County, Missouri 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 — Christian County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 64 lenders and 179 loans: 2025 HMDA loan-level data rolled up to Christian County.
- Christian County investor-lender dataset (CSV) — All 25 lenders in the Christian County, Missouri table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Christian 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 Springfield, MO HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Christian 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.