DSCR Loans in El Paso 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 El Paso 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, 128 lenders made 841 investment-property loans there, 1.7% of Texas's total; the most active are in the table below.
El Paso County investor market at a glance
| Statistic | El Paso County | Texas | County rank |
|---|---|---|---|
| Investor loans | 841 | 49,613 | 13th of 51 |
| Reporting lenders | 128 | 903 | 21st of 51 |
| Loan volume | $151.8M | $13.00B | 17th of 51 |
| Average loan | $181K | $262K | 40th of 51 |
| Median loan | $165K | $205K | 35th of 51 |
| Purchases | 52.6% | 61.7% | 42nd of 51 |
| Cash-out refinances | 28.8% | 17.9% | 2nd of 51 |
| 2–4 unit properties | 14.6% | 8.8% | 11th of 51 |
| Top five lenders' share | 31.7% | 18.3% | 23rd of 51 |
| Reported business-purpose | 65.5% | 68.5% | 29th of 51 |
El Paso County: closed-end loans on 1–4 unit investment properties. El Paso County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of El Paso County's investor loans.
What stands out in El Paso County
28.8% of El Paso County's investor loans were cash-out refinances, the second-highest share of Texas's 51 counties with published data (statewide: 17.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The five most active lenders wrote 31.7% of El Paso County's investor loans, ranking 23rd highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 31.7% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in El Paso County?
The most active investment-property lenders in El Paso County in 2025 HMDA data were Commerce Home Mortgage, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Rocket Mortgage, LLC, out of 128 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 El Paso County, and matches each file to the one most likely to fund it.
El Paso County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 841 loans and $151.8M from 128 lenders. Commerce Home Mortgage, Inc. led El Paso County with 79 loans, 9.4% of the county's total, and the average El Paso County loan of $181K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Commerce Home Mortgage, Inc. | 79 | $15.1M | $191K | 63.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 66 | $11.1M | $168K | 47.0% |
| Rocket Mortgage, LLC | 46 | $7.2M | $157K | 41.3% |
| Raiz Federal Credit Union | 38 | $7.9M | $208K | 73.7% |
| HOMEXPRESS MORTGAGE CORP. | 38 | $7.2M | $189K | 21.1% |
| GECU | 33 | $4.7M | $141K | 33.3% |
| CMG MORTGAGE, INC. | 21 | $3.8M | $179K | 71.4% |
| City Bank | 20 | $3.6M | $180K | 60.0% |
| Sunflower Bank, National Association | 19 | $4.0M | $211K | 73.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | $4.0M | $209K | 84.2% |
| Kiavi Funding, Inc. | 19 | $3.2M | $170K | 78.9% |
| CADENCE LENDING GROUP, INC. | 18 | $3.1M | $171K | 77.8% |
| OCMBC, INC. | 16 | $2.8M | $174K | 25.0% |
| MOVEMENT MORTGAGE, LLC | 14 | $2.7M | $194K | 78.6% |
| KIND LENDING, LLC | 13 | $3.0M | $233K | 69.2% |
| Hometown Equity Mortgage, LLC | 13 | $2.7M | $206K | 38.5% |
| THE LOAN STORE, INC. | 13 | $2.6M | $201K | 53.8% |
| LOANPEOPLE, LLC | 13 | $2.2M | $167K | 84.6% |
| First National Bank Texas | 12 | $2.2M | $183K | 75.0% |
| CHAMPIONS FUNDING, LLC | 11 | $2.7M | $249K | 45.5% |
| Broker Solutions, Inc. | 11 | $1.7M | $154K | 36.4% |
| JPMorgan Chase Bank, National Association | 10 | $1.7M | $174K | 80.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | $1.2M | $122K | 0.0% |
| NEWREZ LLC | 9 | $1.6M | $173K | 22.2% |
| First Savings Bank | 9 | $1.3M | $142K | 88.9% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for El Paso County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · El Paso County CSV, all 25 lenders
What El Paso County's table can't show you: fit. Short-term financing is exempt from HMDA, so El Paso County's fix-and-flip and bridge lenders barely appear among its 128 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 El Paso County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a El Paso 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 — El Paso County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 128 lenders and 841 loans: 2025 HMDA loan-level data rolled up to El Paso County.
- El Paso County investor-lender dataset (CSV) — All 25 El Paso County lenders in the table, Commerce Home Mortgage, Inc. 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.