DSCR Loans in Denton County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Denton 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, 278 lenders made 1,756 investment-property loans there, 3.5% of Texas's total; the most active are in the table below.
Denton County investor market at a glance
| Statistic | Denton County | Texas | County rank |
|---|---|---|---|
| Investor loans | 1,756 | 49,613 | 7th of 51 |
| Reporting lenders | 278 | 903 | 7th of 51 |
| Loan volume | $545.6M | $13.00B | 7th of 51 |
| Average loan | $311K | $262K | 6th of 51 |
| Median loan | $265K | $205K | 2nd of 51 |
| Purchases | 73.1% | 61.7% | 7th of 51 |
| Cash-out refinances | 12.8% | 17.9% | 38th of 51 |
| 2–4 unit properties | 2.7% | 8.8% | 47th of 51 |
| Top five lenders' share | 34.4% | 18.3% | 18th of 51 |
| Reported business-purpose | 59.7% | 68.5% | 43rd of 51 |
Denton County: closed-end loans on 1–4 unit investment properties. Denton County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Denton County's investor loans.
What stands out in Denton County
The five most active lenders wrote 34.4% of Denton County's investor loans, ranking 18th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 34.4% of the loans here, so comparing written term sheets matters more.
73.1% of Denton County's investor loans were purchases, ranking 7th highest of Texas's 51 counties with published data (statewide: 61.7%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Who are the DSCR and investment-property lenders in Denton County?
The most active investment-property lenders in Denton County in 2025 HMDA data were LENNAR MORTGAGE, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and THE LOAN STORE, INC., out of 278 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 two that reported in Denton County, and matches each file to the one most likely to fund it.
Denton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,756 loans and $545.6M from 278 lenders. LENNAR MORTGAGE, LLC led Denton County with 268 loans, 15.3% of the county's total, and the average Denton County loan of $311K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 268 | $60.1M | $224K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 137 | $41.4M | $302K | 59.9% |
| THE LOAN STORE, INC. | 86 | $23.9M | $278K | 62.8% |
| DHI MORTGAGE COMPANY, LTD. | 67 | $17.3M | $258K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 46 | $14.7M | $320K | 76.1% |
| Rocket Mortgage, LLC | 34 | $9.7M | $286K | 82.4% |
| Kiavi Funding, Inc. | 30 | $13.5M | $450K | 60.0% |
| JPMorgan Chase Bank, National Association | 27 | $8.2M | $302K | 81.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 26 | $7.7M | $295K | 84.6% |
| CHAMPIONS FUNDING, LLC | 25 | $8.5M | $339K | 28.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 24 | $12.4M | $518K | 66.7% |
| First United Bank and Trust Company | 21 | $7.1M | $339K | 61.9% |
| CMG MORTGAGE, INC. | 21 | $7.1M | $337K | 76.2% |
| HOMEXPRESS MORTGAGE CORP. | 20 | $6.5M | $327K | 80.0% |
| KIND LENDING, LLC | 20 | $6.2M | $310K | 75.0% |
| DEEPHAVEN MORTGAGE LLC | 18 | $4.0M | $222K | 22.2% |
| GUARANTEED RATE, INC. | 17 | $5.0M | $295K | 64.7% |
| NexBank | 15 | $4.3M | $290K | 73.3% |
| Hometown Equity Mortgage, LLC | 15 | $3.9M | $262K | 60.0% |
| AML FUNDING LLC | 15 | $3.7M | $245K | 73.3% |
| OCMBC, INC. | 14 | $4.2M | $303K | 50.0% |
| AMWEST FUNDING CORP. | 14 | $3.8M | $271K | 92.9% |
| EVERETT FINANCIAL, INC. | 14 | $3.7M | $264K | 57.1% |
| First Bank | 13 | $4.2M | $324K | 92.3% |
| SFMC, LP | 13 | $4.1M | $313K | 76.9% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Denton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Denton County CSV, all 25 lenders
What Denton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Denton County's fix-and-flip and bridge lenders barely appear among its 278 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 Denton County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Denton 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 — Denton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 278 lenders and 1,756 loans: 2025 HMDA loan-level data rolled up to Denton County.
- Denton County investor-lender dataset (CSV) — All 25 Denton County lenders in the table, LENNAR MORTGAGE, 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.