DSCR Loans in Creek County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 48 lenders made 136 investment-property loans in Creek County, 1.3% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Creek 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 $245,000.
Creek County investor market at a glance
| Statistic | Creek County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 136 | 10,662 | 15th of 19 |
| Reporting lenders | 48 | 418 | 14th of 19 |
| Loan volume | $21.6M | $1.93B | 15th of 19 |
| Average loan | $159K | $181K | 13th of 19 |
| Median loan | $135K | $145K | 12th of 19 |
| Purchases | 65.4% | 62.5% | 8th of 19 |
| Cash-out refinances | 5.1% | 8.7% | 16th of 19 |
| 2–4 unit properties | 18.4% | 13.2% | 3rd of 19 |
| Top five lenders' share | 38.2% | 21.4% | 12th of 19 |
| Reported business-purpose | 47.1% | 63.5% | 19th of 19 |
Creek County: closed-end loans on 1–4 unit investment properties. Creek County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Creek County's investor loans.
What stands out in Creek County
47.1% of Creek County's investor loans were reported as business-purpose, the lowest share of Oklahoma's 19 counties with published data (statewide: 63.5%).
Fewer investor loans here were reported as business-purpose than in most of Oklahoma. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
18.4% of Creek County's investor loans financed a 2–4 unit property, the 3rd-highest share of Oklahoma's 19 counties with published data (statewide: 13.2%).
2–4 unit properties are a larger share here than in most of Oklahoma. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
5.1% of Creek County's investor loans were cash-out refinances, the 4th-lowest share of Oklahoma's 19 counties with published data (statewide: 8.7%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Creek County?
At HUD's fair market rent of $1,611 for a 3-bedroom in Creek County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Creek County's median home value is $182,100; at that price the payment is $1,178 a month, so the property would need $1,200 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) | $1,229 / $1,611 / $1,882 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $182,100 |
| Median property taxes and effective rate | $1,298 (0.71% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,178 |
| Rent needed to cover that payment | $1,200 |
| Coverage of a 3-bedroom at fair market rent | 1.37 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $380,000 |
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 Creek County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Creek County?
The most active investment-property lenders in Creek County in 2025 HMDA data were American Heritage Bank; Community Bank; and Kiavi Funding, Inc., out of 48 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 Creek County, and matches each file to the one most likely to fund it.
Creek County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 136 loans and $21.6M from 48 lenders. American Heritage Bank led Creek County with 16 loans, 11.8% of the county's total, and the average Creek County loan of $159K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| American Heritage Bank | 16 | $2.8M | $178K | 81.2% |
| Community Bank | 14 | $1.7M | $120K | 57.1% |
| Kiavi Funding, Inc. | 9 | $1.5M | $168K | 55.6% |
| SpiritBank | 7 | $0.8M | $108K | 57.1% |
| First United Bank and Trust Company | 6 | $1.4M | $230K | 50.0% |
| Armstrong Bank | 6 | $0.8M | $125K | 100.0% |
| Triad Bank, National Association | 4 | $0.9M | $228K | 75.0% |
| Mabrey Bank | 4 | $0.9M | $223K | 75.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 4 | $0.7M | $183K | 100.0% |
| First Bank of Owasso | 4 | $0.6M | $150K | 100.0% |
| Arvest Bank | 4 | $0.6M | $138K | 75.0% |
| BancFirst | 4 | $0.5M | $113K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $0.3M | $78K | 0.0% |
| 21st Mortgage Corporation | 4 | $0.2M | $45K | 100.0% |
| LEI:984500RF83EA742B5589 | 3 | $0.9M | $298K | 0.0% |
| First Oklahoma Bank | 3 | $0.6M | $208K | 66.7% |
| BLUE SKY BANK | 2 | $0.6M | $315K | 50.0% |
| AVB Bank | 2 | $0.5M | $240K | 100.0% |
| Firstar Bank | 2 | $0.5M | $235K | 100.0% |
| THE LOAN STORE, INC. | 2 | $0.3M | $140K | 100.0% |
| Regent Bank | 2 | $0.2M | $120K | 50.0% |
| The Payne County Bank | 2 | $0.2M | $115K | 50.0% |
| Equity Bank | 2 | $0.2M | $115K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.2M | $105K | 100.0% |
| Commerce Home Mortgage, Inc. | 1 | $0.4M | $365K | 0.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Creek County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Creek County CSV, all 25 lenders
What Creek County's table can't show you: fit. Short-term financing is exempt from HMDA, so Creek County's fix-and-flip and bridge lenders barely appear among its 48 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 Creek County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Creek 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 — Creek County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 48 lenders and 136 loans: 2025 HMDA loan-level data rolled up to Creek County.
- Creek County investor-lender dataset (CSV) — All 25 lenders in the Creek County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Creek 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 Tulsa, OK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Creek 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.