DSCR Loans in Denver County, Colorado
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, 180 lenders made 1,098 investment-property loans in Denver County, 13.3% of Colorado's total. Dominick Prevete arranges DSCR loans across Denver County, Colorado, 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 $455,000.
Denver County investor market at a glance
| Statistic | Denver County | Colorado | County rank |
|---|---|---|---|
| Investor loans | 1,098 | 8,274 | 1st of 15 |
| Reporting lenders | 180 | 514 | 2nd of 15 |
| Loan volume | $541.5M | $3.80B | 1st of 15 |
| Average loan | $493K | $460K | 6th of 15 |
| Median loan | $375K | $355K | 8th of 15 |
| Purchases | 54.7% | 60.1% | 14th of 15 |
| Cash-out refinances | 18.6% | 17.7% | 7th of 15 |
| 2–4 unit properties | 9.1% | 9.4% | 9th of 15 |
| Top five lenders' share | 30.5% | 23.9% | 8th of 15 |
| Reported business-purpose | 77.1% | 69.2% | 3rd of 15 |
Denver County: closed-end loans on 1–4 unit investment properties. Denver County's rank is highest first, among Colorado's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Denver County's investor loans.
What stands out in Denver County
54.7% of Denver County's investor loans were purchases, the 2nd-lowest share of Colorado's 15 counties with published data (statewide: 60.1%).
Refinances are a larger share here than in most of Colorado. A DSCR refinance qualifies on the property's current rent.
By share of investor loans reported as business-purpose, Denver County ranks 3rd-highest of Colorado's 15 counties with published data (statewide: 69.2%).
77.1% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Denver County?
At HUD's fair market rent of $2,846 for a 3-bedroom in Denver County, Colorado, a rental covers its full DSCR payment up to a purchase price of about $455,000, with 20% down at the 7.25% starting rate (November 2026). Denver County's median home value is $616,000; at that price the payment is $3,848 a month, so the property would need $3,850 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) | $2,169 / $2,846 / $3,183 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $616,000 |
| Median property taxes and effective rate | $2,751 (0.45% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,848 |
| Rent needed to cover that payment | $3,850 |
| Coverage of a 3-bedroom at fair market rent | 0.74 |
| Highest price a 3-bedroom at fair market rent covers | about $455,000 |
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 Denver County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Denver County?
The most active investment-property lenders in Denver County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; MERCHANTS MORTGAGE & TRUST CORPORATION, LLC; and FirstBank, out of 180 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 Denver County, and matches each file to the one most likely to fund it.
Denver County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,098 loans and $541.5M from 180 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Denver County with 100 loans, 9.1% of the county's total, and the average Denver County loan of $493K compares with $460K across Colorado.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 100 | $34.5M | $346K | 52.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 90 | $48.3M | $536K | 94.4% |
| FirstBank | 61 | $32.0M | $525K | 65.6% |
| THE LOAN STORE, INC. | 48 | $17.8M | $372K | 54.2% |
| Kiavi Funding, Inc. | 36 | $30.8M | $854K | 77.8% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 27 | $16.9M | $625K | 92.6% |
| Rocket Mortgage, LLC | 27 | $7.8M | $288K | 33.3% |
| Commerce Bank | 25 | $16.5M | $662K | 92.0% |
| CV3 FINANCIAL SERVICES, LLC | 22 | $43.8M | $1990K | 40.9% |
| MidFirst Bank | 21 | $10.2M | $485K | 57.1% |
| Fairway Independent Mortgage Corporation | 19 | $6.0M | $317K | 52.6% |
| KIND LENDING, LLC | 18 | $7.8M | $432K | 50.0% |
| CONVENTUS LLC | 17 | $11.2M | $657K | 76.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | $7.1M | $419K | 64.7% |
| GUILD MORTGAGE COMPANY | 15 | $6.2M | $414K | 66.7% |
| CHAMPIONS FUNDING, LLC | 15 | $6.1M | $410K | 26.7% |
| DEEPHAVEN MORTGAGE LLC | 15 | $6.0M | $400K | 13.3% |
| North Valley Bank | 13 | $7.4M | $572K | 53.8% |
| OCMBC, INC. | 13 | $6.0M | $463K | 23.1% |
| PANORAMA MORTGAGE GROUP, LLC | 12 | $2.6M | $216K | 100.0% |
| U.S. Bank National Association | 11 | $4.8M | $439K | 36.4% |
| Easy Street Capital, LLC | 11 | $4.4M | $404K | 0.0% |
| JPMorgan Chase Bank, National Association | 10 | $4.8M | $475K | 40.0% |
| Hometown Equity Mortgage, LLC | 10 | $4.6M | $457K | 40.0% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $4.0M | $404K | 70.0% |
77 Colorado loans (0.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Denver County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Denver County CSV, all 25 lenders
What Denver County's table can't show you: fit. Short-term financing is exempt from HMDA, so Denver County's fix-and-flip and bridge lenders barely appear among its 180 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 Denver County, Colorado deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Denver County, Colorado 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 — Denver County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 180 lenders and 1,098 loans: 2025 HMDA loan-level data rolled up to Denver County.
- Denver County investor-lender dataset (CSV) — All 25 lenders in the Denver County, Colorado table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Denver 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 Denver-Aurora-Centennial, CO MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Denver 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.