DSCR Loans in Cumberland County, New Jersey
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)
Dominick Prevete arranges DSCR loans across Cumberland 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, 70 lenders made 407 investment-property loans there, 2.2% of New Jersey's total; the most active are in the table below.
Cumberland County investor market at a glance
| Statistic | Cumberland County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 407 | 18,316 | 16th of 20 |
| Reporting lenders | 70 | 439 | 19th of 20 |
| Loan volume | $76.9M | $7.88B | 17th of 20 |
| Average loan | $189K | $430K | 19th of 20 |
| Median loan | $165K | $365K | 19th of 20 |
| Purchases | 53.8% | 56.9% | 15th of 20 |
| Cash-out refinances | 34.6% | 26.0% | 4th of 20 |
| 2–4 unit properties | 25.3% | 30.0% | 7th of 20 |
| Top five lenders' share | 51.4% | 24.4% | 1st of 20 |
| Reported business-purpose | 80.8% | 81.1% | 7th of 20 |
Cumberland County: closed-end loans on 1–4 unit investment properties. Cumberland County's rank is highest first, among New Jersey'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
The five most active lenders wrote 51.4% of Cumberland County's investor loans, the highest share of New Jersey's 20 counties with published data (statewide: 24.4%).
Five lenders write 51.4% of the loans here, so comparing written term sheets matters more.
The average investor loan in Cumberland County was $189K, the second-lowest average of New Jersey's 20 counties with published data (statewide: $430K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
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 Loan Funder LLC; Kiavi Funding, Inc.; and CHAMPIONS FUNDING, LLC, out of 70 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 several that reported in Cumberland County, 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: 407 loans and $76.9M from 70 lenders. Loan Funder LLC led Cumberland County with 61 loans, 15.0% of the county's total, and the average Cumberland County loan of $189K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 61 | $11.2M | $184K | 73.8% |
| Kiavi Funding, Inc. | 57 | $10.7M | $188K | 87.7% |
| CHAMPIONS FUNDING, LLC | 33 | $5.8M | $176K | 6.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 31 | $6.3M | $205K | 41.9% |
| NATION ONE MORTGAGE CORPORATION | 27 | $4.6M | $169K | 74.1% |
| CONSTRUCTIVE LOANS, LLC | 20 | $3.7M | $187K | 10.0% |
| Emporium TPO LLC | 14 | $2.8M | $199K | 57.1% |
| BPL MORTGAGE TRUST, LLC | 13 | $2.1M | $158K | 30.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | $1.4M | $143K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $1.7M | $218K | 75.0% |
| The First National Bank of Absecon | 7 | $1.4M | $195K | 85.7% |
| DEEPHAVEN MORTGAGE LLC | 7 | $1.3M | $192K | 57.1% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | $1.0M | $197K | 80.0% |
| Newfield National Bank | 5 | $0.9M | $175K | 40.0% |
| Century Savings Bank | 4 | $2.6M | $653K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $1.1M | $268K | 50.0% |
| A&D Mortgage LLC | 4 | $0.9M | $230K | 25.0% |
| THE LOAN STORE, INC. | 4 | $0.7M | $180K | 50.0% |
| LENDINGONE, LLC | 4 | $0.7M | $180K | 75.0% |
| CMG MORTGAGE, INC. | 4 | $0.7M | $163K | 75.0% |
| ABL RPC Residential Credit Acquisition LLC | 4 | $0.6M | $138K | 0.0% |
| Acre Mortgage & Financial, Inc. | 3 | $0.7M | $242K | 0.0% |
| ARK MORTGAGE, INC. | 3 | $0.7M | $242K | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.7M | $232K | 33.3% |
| Hometown Equity Mortgage, LLC | 3 | $0.6M | $212K | 33.3% |
590 New Jersey loans (3.2%) 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 October 31, 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 70 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 several 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 Cumberland County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cumberland 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 — Cumberland County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 70 lenders and 407 loans: 2025 HMDA loan-level data rolled up to Cumberland County.
- Cumberland County investor-lender dataset (CSV) — All 25 Cumberland County lenders in the table, Loan Funder 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.