DSCR Loans in Columbia County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 89 lenders made 252 investment-property loans in Columbia County, 1.2% of Georgia's total. Dominick Prevete arranges DSCR loans across Columbia County, Georgia, 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 $250,000.
Columbia County investor market at a glance
| Statistic | Columbia County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 252 | 21,364 | 20th of 43 |
| Reporting lenders | 89 | 586 | 16th of 43 |
| Loan volume | $55.0M | $5.33B | 22nd of 43 |
| Average loan | $218K | $249K | 26th of 43 |
| Median loan | $180K | $205K | 28th of 43 |
| Purchases | 63.5% | 57.3% | 17th of 43 |
| Cash-out refinances | 15.5% | 17.5% | 24th of 43 |
| 2–4 unit properties | 5.6% | 10.0% | 30th of 43 |
| Top five lenders' share | 27.4% | 18.5% | 33rd of 43 |
| Reported business-purpose | 61.5% | 65.7% | 28th of 43 |
Columbia County: closed-end loans on 1–4 unit investment properties. Columbia County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Columbia County's investor loans.
What stands out in Columbia County
Columbia County's 252 investor loans ranked 20th of Georgia's 43 counties with published data.
Does a DSCR loan pencil in Columbia County?
At HUD's fair market rent of $1,672 for a 3-bedroom in Columbia County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Columbia County's median home value is $305,300; at that price the payment is $2,003 a month, so the property would need $2,025 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) | $1,329 / $1,672 / $2,035 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $305,300 |
| Median property taxes and effective rate | $2,515 (0.82% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,003 |
| Rent needed to cover that payment | $2,025 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
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 Columbia County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Columbia County?
The most active investment-property lenders in Columbia County in 2025 HMDA data were Queensborough National Bank & Trust Company, PINNACLE BANK and PHH Mortgage Corporation, out of 89 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 Columbia County, and matches each file to the one most likely to fund it.
Columbia County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 252 loans and $55.0M from 89 lenders. Queensborough National Bank & Trust Company led Columbia County with 20 loans, 7.9% of the county's total, and the average Columbia County loan of $218K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Queensborough National Bank & Trust Company | 20 | $4.0M | $202K | 60.0% |
| PINNACLE BANK | 16 | $5.0M | $313K | 93.8% |
| PHH Mortgage Corporation | 13 | $2.5M | $193K | 92.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $2.0M | $181K | 90.9% |
| F&M Bank | 9 | $2.4M | $262K | 55.6% |
| SouthState Bank, National Association | 9 | $1.6M | $175K | 77.8% |
| First State Bank | 8 | $2.2M | $271K | 50.0% |
| Kiavi Funding, Inc. | 7 | $1.4M | $201K | 57.1% |
| Rocket Mortgage, LLC | 7 | $1.2M | $178K | 71.4% |
| AMWEST FUNDING CORP. | 6 | $3.3M | $552K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $1.5M | $243K | 66.7% |
| SRP Federal Credit Union | 5 | $1.6M | $321K | 60.0% |
| NEWREZ LLC | 5 | $1.0M | $203K | 60.0% |
| General Mortgage Capital Corporation | 5 | $0.9M | $181K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 5 | $0.9M | $179K | 60.0% |
| GUILD MORTGAGE COMPANY | 5 | $0.9M | $173K | 20.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | $0.9M | $238K | 75.0% |
| Ameris Bank | 4 | $0.7M | $175K | 50.0% |
| KIND LENDING, LLC | 4 | $0.7M | $163K | 100.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | $0.7M | $228K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.6M | $188K | 66.7% |
| LIMA ONE CAPITAL, LLC | 3 | $0.6M | $185K | 33.3% |
| Easy Street Capital, LLC | 3 | $0.5M | $172K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.5M | $162K | 0.0% |
| Broker Solutions, Inc. | 3 | $0.5M | $158K | 66.7% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Columbia County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Columbia County CSV, all 25 lenders
What Columbia County's table can't show you: fit. Short-term financing is exempt from HMDA, so Columbia County's fix-and-flip and bridge lenders barely appear among its 89 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 Columbia County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Columbia County, Georgia 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 — Columbia County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 89 lenders and 252 loans: 2025 HMDA loan-level data rolled up to Columbia County.
- Columbia County investor-lender dataset (CSV) — All 25 lenders in the Columbia County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Columbia 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 Augusta-Richmond County, GA-SC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Columbia 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.