DSCR Loans in Cumberland County, Maine
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 93 lenders made 343 investment-property loans in Cumberland County, 19.2% of Maine's total. Dominick Prevete arranges DSCR loans across Cumberland County, Maine, 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 $430,000.
Cumberland County investor market at a glance
| Statistic | Cumberland County | Maine | County rank |
|---|---|---|---|
| Investor loans | 343 | 1,783 | 2nd of 6 |
| Reporting lenders | 93 | 196 | 2nd of 6 |
| Loan volume | $139.2M | $571.4M | 2nd of 6 |
| Average loan | $406K | $320K | 2nd of 6 |
| Median loan | $335K | $265K | 2nd of 6 |
| Purchases | 56.6% | 60.9% | 5th of 6 |
| Cash-out refinances | 16.9% | 14.9% | 1st of 6 |
| 2–4 unit properties | 35.0% | 35.6% | 4th of 6 |
| Top five lenders' share | 34.7% | 27.0% | 5th of 6 |
| Reported business-purpose | 68.5% | 69.3% | 3rd of 6 |
Cumberland County: closed-end loans on 1–4 unit investment properties. Cumberland County's rank is highest first, among Maine's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cumberland County's investor loans.
What stands out in Cumberland County
16.9% of Cumberland County's investor loans were cash-out refinances, the highest share of Maine's 6 counties with published data (statewide: 14.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Cumberland County's 343 investor loans ranked 2nd of Maine's 6 counties with published data.
Does a DSCR loan pencil in Cumberland County?
At HUD's fair market rent of $2,902 for a 3-bedroom in Cumberland County, Maine, a rental covers its full DSCR payment up to a purchase price of about $430,000, with 20% down at the 7.25% starting rate (November 2026). Cumberland County's median home value is $451,200; at that price the payment is $3,043 a month, so the property would need $3,050 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) | $2,353 / $2,902 / $3,092 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $451,200 |
| Median property taxes and effective rate | $4,707 (1.04% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,043 |
| Rent needed to cover that payment | $3,050 |
| Coverage of a 3-bedroom at fair market rent | 0.95 |
| Highest price a 3-bedroom at fair market rent covers | about $430,000 |
| HUD area | Portland, ME HUD Metro FMR Area |
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 Cumberland County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cumberland County?
The most active investment-property lenders in Cumberland County in 2025 HMDA data were Maine Community Bank, United Wholesale Mortgage and GUILD MORTGAGE COMPANY, out of 93 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 and matches each file to the one most likely to fund it.
Cumberland County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 343 loans and $139.2M from 93 lenders. Maine Community Bank led Cumberland County with 33 loans, 9.6% of the county's total, and the average Cumberland County loan of $406K compares with $320K across Maine.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Maine Community Bank | 33 | $8.3M | $252K | 51.5% |
| United Wholesale Mortgage | 28 | $10.7M | $384K | 67.9% |
| GUILD MORTGAGE COMPANY | 23 | $9.1M | $397K | 69.6% |
| Bangor Savings Bank | 19 | $7.1M | $374K | 73.7% |
| Norway Savings Bank | 16 | $7.9M | $492K | 68.8% |
| The Camden National Bank | 12 | $4.8M | $396K | 66.7% |
| EVERGREEN CREDIT UNION | 12 | $3.2M | $263K | 33.3% |
| Androscoggin Savings Bank | 11 | $4.3M | $389K | 72.7% |
| Broker Solutions, Inc. | 9 | $3.8M | $423K | 66.7% |
| Saco & Biddeford Savings Institution | 8 | $4.0M | $505K | 75.0% |
| Rocket Mortgage, LLC | 8 | $2.8M | $350K | 25.0% |
| Katahdin Trust Company | 7 | $3.6M | $521K | 42.9% |
| TOTAL MORTGAGE SERVICES, LLC | 7 | $3.6M | $518K | 71.4% |
| Bath Savings Institution | 7 | $2.9M | $416K | 71.4% |
| CMG MORTGAGE, INC. | 7 | $2.8M | $396K | 57.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $2.6M | $366K | 71.4% |
| Hometown Equity Mortgage, LLC | 5 | $1.9M | $387K | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | $3.5M | $880K | 25.0% |
| GUARANTEED RATE, INC. | 4 | $1.7M | $423K | 50.0% |
| TOWN & COUNTRY FEDERAL CREDIT UNION | 4 | $0.9M | $215K | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | $1.7M | $552K | 100.0% |
| Kennebec Savings Bank | 3 | $1.6M | $532K | 66.7% |
| Leader Bank, National Association | 3 | $1.4M | $478K | 66.7% |
| NEWREZ LLC | 3 | $1.4M | $478K | 66.7% |
| EMM LOANS LLC | 3 | $1.4M | $462K | 100.0% |
12 Maine loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cumberland County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Cumberland County CSV, all 25 lenders
What Cumberland County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cumberland County's fix-and-flip and bridge lenders barely appear among its 93 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 so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Cumberland County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Cumberland County |
|---|---|---|---|
| Oxford County, ME | 102 | 45 | Borders Cumberland County |
| York County, ME | 358 | 98 | Borders Cumberland County |
| Androscoggin County, ME | 107 | 44 | Borders Cumberland County |
| Carroll County, NH | 135 | 77 | About 45 miles away |
| Kennebec County, ME | 192 | 53 | About 50 miles away |
| Penobscot County, ME | 193 | 55 | About 140 miles away |
Run the coverage test on your Cumberland County, Maine deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cumberland County, Maine 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 — Cumberland County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 93 lenders and 343 loans: 2025 HMDA loan-level data rolled up to Cumberland County.
- Cumberland County investor-lender dataset (CSV) — All 25 lenders in the Cumberland County, Maine table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cumberland 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 Portland, ME HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cumberland 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.