DSCR Loans in Delaware
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 Delaware, 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. In 2025 HMDA data, 222 lenders made 1,816 investment-property loans in Delaware; the most active are in the table below, and 3 counties have their own page.
Delaware investor market at a glance
| Statistic | Delaware | National | State rank |
|---|---|---|---|
| Investor loans | 1,816 | 553,332 | 41st of 51 |
| Reporting lenders | 222 | 4,120 | 41st of 51 |
| Loan volume | $478.4M | $190.57B | 45th of 51 |
| Average loan | $263K | $344K | 31st of 51 |
| Median loan | $215K | — | 26th of 51 |
| Purchases | 59.4% | 59.2% | 28th of 51 |
| Cash-out refinances | 24.3% | 18.8% | 8th of 51 |
| 2–4 unit properties | 9.4% | 17.3% | 39th of 51 |
| Top five lenders' share | 23.2% | 21.9% | 23rd of 51 |
| Reported business-purpose | 74.8% | 70.8% | 12th of 51 |
Delaware: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Delaware
24.3% of Delaware's investor loans were cash-out refinances, the 8th-highest share of the 50 states and DC (national figure: 18.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
9.4% of Delaware's investor loans financed a 2–4 unit property, the 12th-lowest share of the 50 states and DC (national figure: 17.3%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
By share of investor loans reported as business-purpose, Delaware ranks 12th-highest of the 50 states and DC (national figure: 70.8%).
74.8% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Who are the DSCR and investment-property lenders in Delaware?
The most active investment-property lenders in Delaware in 2025 HMDA data were CONSTRUCTIVE LOANS, LLC; United Wholesale Mortgage; and PIKE CREEK MORTGAGE SERVICES, INC., out of 222 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 Delaware, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Delaware's 2025 filings to closed-end loans on 1–4 unit investment properties: 1,816 loans totaling $0.48B across 222 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CONSTRUCTIVE LOANS, LLC | 135 | $27.6M | $204K | 14.1% |
| United Wholesale Mortgage | 82 | $18.4M | $225K | 61.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 75 | $15.5M | $207K | 76.0% |
| RCN Capital, LLC | 73 | $14.7M | $201K | 39.7% |
| Kiavi Funding, Inc. | 57 | $13.8M | $243K | 89.5% |
| Rocket Mortgage, LLC | 57 | $13.7M | $240K | 35.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 44 | $9.8M | $223K | 77.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 42 | $16.2M | $386K | 76.2% |
| Wilmington Savings Fund Society, FSB | 40 | $9.7M | $244K | 77.5% |
| BPL MORTGAGE TRUST, LLC | 39 | $5.3M | $137K | 12.8% |
| Luminate Bank | 35 | $9.8M | $279K | 62.9% |
| DEEPHAVEN MORTGAGE LLC | 35 | $7.9M | $225K | 28.6% |
| THE LOAN STORE, INC. | 32 | $7.7M | $240K | 71.9% |
| DOMINION FINANCIAL SERVICES, LLC | 32 | $6.9M | $215K | 81.2% |
| Artisans' Bank | 23 | $12.1M | $527K | 65.2% |
| Loan Funder LLC | 23 | $8.4M | $365K | 52.2% |
| NVR Mortgage Finance, Inc. | 23 | $6.4M | $279K | 100.0% |
| GUILD MORTGAGE COMPANY | 23 | $5.8M | $251K | 65.2% |
| AMWEST FUNDING CORP. | 23 | $5.1M | $222K | 82.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 21 | $4.7M | $223K | 23.8% |
| MERIDIAN BANK | 20 | $5.1M | $257K | 65.0% |
| NEWREZ LLC | 20 | $4.8M | $239K | 70.0% |
| PENNYMAC LOAN SERVICES, LLC | 18 | $6.4M | $358K | 66.7% |
| Prosperity Home Mortgage, LLC | 18 | $6.2M | $342K | 77.8% |
| MOVEMENT MORTGAGE, LLC | 18 | $5.0M | $278K | 55.6% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 222 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Delaware lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's 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 →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.
DSCR loans by county in Delaware
Each county page compares the county's 2025 HMDA investor-lending figures with Delaware's and names its most active lenders. Counties are listed by investor loan count.
3 Delaware counties have their own page so far.
- New Castle County1,037 loans
- Sussex County484 loans
- Kent County212 loans
Run the coverage test on your Delaware deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Delaware 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 — Delaware's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 222 lenders and 1,816 loans: 2025 HMDA loan-level data.
- Delaware investor-lender dataset (CSV) — Every Delaware lender behind the table above, with volume, average loan and purchase share for each.
- Delaware investor lending data, Dominick Prevete — The Delaware table on its own, with the state's concentration figures and the method behind them.
- 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.