DSCR Loans in Comanche County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 80 lenders made 463 investment-property loans in Comanche County, 4.3% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Comanche County, Oklahoma, 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 $200,000.
Comanche County investor market at a glance
| Statistic | Comanche County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 463 | 10,662 | 5th of 19 |
| Reporting lenders | 80 | 418 | 6th of 19 |
| Loan volume | $53.4M | $1.93B | 6th of 19 |
| Average loan | $115K | $181K | 18th of 19 |
| Median loan | $95K | $145K | 17th of 19 |
| Purchases | 61.3% | 62.5% | 13th of 19 |
| Cash-out refinances | 13.4% | 8.7% | 2nd of 19 |
| 2–4 unit properties | 16.2% | 13.2% | 6th of 19 |
| Top five lenders' share | 53.6% | 21.4% | 6th of 19 |
| Reported business-purpose | 74.3% | 63.5% | 4th of 19 |
Comanche County: closed-end loans on 1–4 unit investment properties. Comanche County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Comanche County's investor loans.
What stands out in Comanche County
The median investor loan in Comanche County was $95K, the lowest median of Oklahoma's 19 counties with published data (statewide: $145K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
13.4% of Comanche County's investor loans were cash-out refinances, the 2nd-highest share of Oklahoma's 19 counties with published data (statewide: 8.7%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
By share of investor loans reported as business-purpose, Comanche County ranks 4th-highest of Oklahoma's 19 counties with published data (statewide: 63.5%).
74.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Comanche County?
At HUD's fair market rent of $1,338 for a 3-bedroom in Comanche County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $200,000, with 20% down at the 7.25% starting rate (November 2026). Comanche County's median home value is $163,800; at that price the payment is $1,083 a month, so the property would need $1,100 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) | $974 / $1,338 / $1,605 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $163,800 |
| Median property taxes and effective rate | $1,449 (0.88% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,083 |
| Rent needed to cover that payment | $1,100 |
| Coverage of a 3-bedroom at fair market rent | 1.24 |
| Highest price a 3-bedroom at fair market rent covers | about $200,000 |
| Highest price two 2-bedroom units at fair market rent cover | 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 Comanche County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Comanche County?
The most active investment-property lenders in Comanche County in 2025 HMDA data were BancFirst; Arvest Bank; and CV3 FINANCIAL SERVICES, LLC, out of 80 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 Comanche County, and matches each file to the one most likely to fund it.
Comanche County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 463 loans and $53.4M from 80 lenders. BancFirst led Comanche County with 79 loans, 17.1% of the county's total, and the average Comanche County loan of $115K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BancFirst | 79 | $9.1M | $115K | 62.0% |
| Arvest Bank | 51 | $6.5M | $127K | 70.6% |
| CV3 FINANCIAL SERVICES, LLC | 42 | $4.5M | $107K | 73.8% |
| All America Bank | 39 | $4.0M | $102K | 74.4% |
| Liberty National Bank | 37 | $3.0M | $81K | 73.0% |
| Sovereign Bank | 31 | $3.0M | $96K | 64.5% |
| BPL MORTGAGE TRUST, LLC | 22 | $1.8M | $80K | 13.6% |
| AMERICAN HERITAGE LENDING, LLC | 15 | $1.6M | $110K | 6.7% |
| GUARANTEED RATE, INC. | 11 | $2.1M | $187K | 100.0% |
| Kiavi Funding, Inc. | 10 | $1.4M | $139K | 90.0% |
| First United Bank and Trust Company | 6 | $1.0M | $162K | 83.3% |
| RED RIVER FEDERAL CREDIT UNION | 6 | $0.7M | $110K | 0.0% |
| Loan Funder LLC | 6 | $0.6M | $107K | 33.3% |
| OCMBC, INC. | 5 | $1.0M | $201K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $0.7M | $143K | 0.0% |
| Rocket Mortgage, LLC | 4 | $0.3M | $85K | 0.0% |
| The City National Bank and Trust Company of Lawton | 4 | $0.3M | $68K | 75.0% |
| Great Plains National Bank | 3 | $0.6M | $188K | 66.7% |
| NEWREZ LLC | 3 | $0.6M | $185K | 66.7% |
| FREEDOM MORTGAGE CORPORATION | 3 | $0.4M | $148K | 0.0% |
| BLUE SKY BANK | 3 | $0.3M | $115K | 100.0% |
| USAA Federal Savings Bank | 3 | $0.3M | $112K | 66.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.3M | $108K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.2M | $68K | 100.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 3 | $0.2M | $55K | 66.7% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Comanche County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Comanche County CSV, all 25 lenders
What Comanche County's table can't show you: fit. Short-term financing is exempt from HMDA, so Comanche County's fix-and-flip and bridge lenders barely appear among its 80 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 Comanche County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Comanche County, Oklahoma 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 — Comanche County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 80 lenders and 463 loans: 2025 HMDA loan-level data rolled up to Comanche County.
- Comanche County investor-lender dataset (CSV) — All 25 lenders in the Comanche County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Comanche 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 Lawton, OK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Comanche 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.