DSCR Loans in Ector 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 Ector 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, 81 lenders made 211 investment-property loans there, 0.4% of Texas's total; the most active are in the table below.
Ector County investor market at a glance
| Statistic | Ector County | Texas | County rank |
|---|---|---|---|
| Investor loans | 211 | 49,613 | 42nd of 51 |
| Reporting lenders | 81 | 903 | 35th of 51 |
| Loan volume | $37.0M | $13.00B | 43rd of 51 |
| Average loan | $175K | $262K | 41st of 51 |
| Median loan | $165K | $205K | 35th of 51 |
| Purchases | 67.3% | 61.7% | 15th of 51 |
| Cash-out refinances | 18.5% | 17.9% | 21st of 51 |
| 2–4 unit properties | 4.7% | 8.8% | 41st of 51 |
| Top five lenders' share | 26.5% | 18.3% | 36th of 51 |
| Reported business-purpose | 69.2% | 68.5% | 16th of 51 |
Ector County: closed-end loans on 1–4 unit investment properties. Ector County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Ector County's investor loans.
What stands out in Ector County
The average investor loan in Ector County was $175K, ranking 11th lowest of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 26.5% of Ector County's investor loans, ranking 36th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 26.5% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Ector County?
The most active investment-property lenders in Ector County in 2025 HMDA data were Nations Lending Corporation; Prosperity Bank; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 81 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 Ector County, and matches each file to the one most likely to fund it.
Ector County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 211 loans and $37.0M from 81 lenders. Nations Lending Corporation led Ector County with 14 loans, 6.6% of the county's total, and the average Ector County loan of $175K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Nations Lending Corporation | 14 | $2.5M | $179K | 71.4% |
| Prosperity Bank | 12 | $1.6M | $133K | 75.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $1.7M | $154K | 72.7% |
| Rocket Mortgage, LLC | 11 | $1.2M | $107K | 27.3% |
| City Bank | 8 | $1.4M | $180K | 100.0% |
| Community National Bank | 8 | $1.0M | $123K | 87.5% |
| 21st Mortgage Corporation | 8 | $0.8M | $99K | 100.0% |
| LEI:254900CTT87ZKAUTIJ37 | 6 | $1.4M | $227K | 66.7% |
| OCMBC, INC. | 6 | $1.1M | $187K | 66.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | $1.1M | $178K | 66.7% |
| Texas Tech Federal Credit Union | 6 | $1.1M | $177K | 100.0% |
| Kiavi Funding, Inc. | 6 | $0.9M | $145K | 16.7% |
| American Momentum Bank | 5 | $0.9M | $183K | 100.0% |
| GUARANTEED RATE, INC. | 5 | $0.7M | $141K | 100.0% |
| ICE LENDER HOLDINGS LLC | 4 | $2.5M | $613K | 0.0% |
| JMAC LENDING, INC. | 4 | $0.7M | $178K | 50.0% |
| Frost Bank | 4 | $0.7M | $175K | 75.0% |
| THE LOAN STORE, INC. | 4 | $0.6M | $160K | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.7M | $242K | 33.3% |
| EVERETT FINANCIAL, INC. | 3 | $0.6M | $188K | 66.7% |
| CHAMPIONS FUNDING, LLC | 2 | $0.5M | $250K | 0.0% |
| Centennial Bank | 2 | $0.5M | $230K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.4M | $215K | 100.0% |
| KIND LENDING, LLC | 2 | $0.4M | $215K | 100.0% |
| A&D Mortgage LLC | 2 | $0.4M | $210K | 50.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Ector County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Ector County CSV, all 25 lenders
What Ector County's table can't show you: fit. Short-term financing is exempt from HMDA, so Ector County's fix-and-flip and bridge lenders barely appear among its 81 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 Ector County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Ector 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 — Ector County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 81 lenders and 211 loans: 2025 HMDA loan-level data rolled up to Ector County.
- Ector County investor-lender dataset (CSV) — All 25 Ector County lenders in the table, Nations Lending Corporation 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.