DSCR Loans in Collin County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Collin 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, 301 lenders made 2,813 investment-property loans there, 5.7% of Texas's total; the most active are in the table below.
Collin County investor market at a glance
| Statistic | Collin County | Texas | County rank |
|---|---|---|---|
| Investor loans | 2,813 | 49,613 | 5th of 51 |
| Reporting lenders | 301 | 903 | 4th of 51 |
| Loan volume | $868.6M | $13.00B | 4th of 51 |
| Average loan | $309K | $262K | 7th of 51 |
| Median loan | $265K | $205K | 2nd of 51 |
| Purchases | 75.9% | 61.7% | 6th of 51 |
| Cash-out refinances | 9.8% | 17.9% | 47th of 51 |
| 2–4 unit properties | 1.0% | 8.8% | 50th of 51 |
| Top five lenders' share | 33.9% | 18.3% | 19th of 51 |
| Reported business-purpose | 63.7% | 68.5% | 35th of 51 |
Collin County: closed-end loans on 1–4 unit investment properties. Collin County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Collin County's investor loans.
What stands out in Collin County
1.0% of Collin County's investor loans financed a 2–4 unit property, the second-lowest share of Texas's 51 counties with published data (statewide: 8.8%).
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 33.9% of Collin County's investor loans, ranking 19th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 33.9% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Collin County?
The most active investment-property lenders in Collin County in 2025 HMDA data were LENNAR MORTGAGE, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and Loandepot.Com, LLC, out of 301 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 Collin County, and matches each file to the one most likely to fund it.
Collin County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,813 loans and $868.6M from 301 lenders. LENNAR MORTGAGE, LLC led Collin County with 240 loans, 8.5% of the county's total, and the average Collin County loan of $309K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 240 | $49.6M | $207K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 220 | $66.4M | $302K | 55.9% |
| Loandepot.Com, LLC | 200 | $49.8M | $249K | 99.0% |
| THE LOAN STORE, INC. | 188 | $52.7M | $280K | 60.1% |
| PENNYMAC LOAN SERVICES, LLC | 106 | $33.4M | $315K | 70.8% |
| DHI MORTGAGE COMPANY, LTD. | 91 | $23.8M | $261K | 100.0% |
| VELOCIO MORTGAGE L.L.C. | 90 | $25.9M | $287K | 100.0% |
| Rocket Mortgage, LLC | 61 | $16.8M | $276K | 75.4% |
| Kiavi Funding, Inc. | 55 | $21.9M | $398K | 78.2% |
| Paramount Residential Mortgage Group, Inc. | 47 | $14.7M | $312K | 76.6% |
| NexBank | 44 | $14.2M | $322K | 84.1% |
| AMWEST FUNDING CORP. | 44 | $12.9M | $293K | 86.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 36 | $11.8M | $329K | 75.0% |
| NEWREZ LLC | 33 | $8.6M | $262K | 81.8% |
| SFMC, LP | 30 | $8.5M | $284K | 83.3% |
| JPMorgan Chase Bank, National Association | 29 | $11.3M | $389K | 72.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 27 | $11.6M | $428K | 77.8% |
| KIND LENDING, LLC | 26 | $8.3M | $320K | 73.1% |
| LOWER, LLC | 26 | $7.3M | $280K | 88.5% |
| CHAMPIONS FUNDING, LLC | 24 | $7.6M | $318K | 83.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 24 | $6.8M | $285K | 91.7% |
| DEEPHAVEN MORTGAGE LLC | 24 | $6.2M | $256K | 70.8% |
| General Mortgage Capital Corporation | 23 | $7.3M | $317K | 34.8% |
| AAA CAPITAL INVESTMENT, INC. | 22 | $5.4M | $247K | 63.6% |
| GUARANTEED RATE, INC. | 20 | $5.7M | $287K | 70.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Collin County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Collin County CSV, all 25 lenders
What Collin County's table can't show you: fit. Short-term financing is exempt from HMDA, so Collin County's fix-and-flip and bridge lenders barely appear among its 301 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 Collin County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Collin 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 — Collin County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 301 lenders and 2,813 loans: 2025 HMDA loan-level data rolled up to Collin County.
- Collin County investor-lender dataset (CSV) — All 25 Collin County lenders in the table, LENNAR MORTGAGE, 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.