DSCR Loans in Ellis County, Texas
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 Ellis 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, 119 lenders made 324 investment-property loans there, 0.7% of Texas's total; the most active are in the table below.
Ellis County investor market at a glance
| Statistic | Ellis County | Texas | County rank |
|---|---|---|---|
| Investor loans | 324 | 49,613 | 31st of 51 |
| Reporting lenders | 119 | 903 | 23rd of 51 |
| Loan volume | $91.7M | $13.00B | 26th of 51 |
| Average loan | $283K | $262K | 12th of 51 |
| Median loan | $225K | $205K | 11th of 51 |
| Purchases | 53.7% | 61.7% | 41st of 51 |
| Cash-out refinances | 21.3% | 17.9% | 10th of 51 |
| 2–4 unit properties | 13.6% | 8.8% | 14th of 51 |
| Top five lenders' share | 23.5% | 18.3% | 45th of 51 |
| Reported business-purpose | 67.6% | 68.5% | 22nd of 51 |
Ellis County: closed-end loans on 1–4 unit investment properties. Ellis County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Ellis County's investor loans.
What stands out in Ellis County
13.6% of Ellis County's investor loans financed a 2–4 unit property, ranking 14th highest of Texas's 51 counties with published data (statewide: 8.8%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
21.3% of Ellis County's investor loans were cash-out refinances, ranking 10th highest 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.
Who are the DSCR and investment-property lenders in Ellis County?
The most active investment-property lenders in Ellis County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Citizens National Bank of Texas; and CMG MORTGAGE, INC., out of 119 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 Ellis County, and matches each file to the one most likely to fund it.
Ellis County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 324 loans and $91.7M from 119 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Ellis County with 19 loans, 5.9% of the county's total, and the average Ellis County loan of $283K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 19 | $4.9M | $258K | 57.9% |
| Citizens National Bank of Texas | 18 | $4.6M | $258K | 72.2% |
| CMG MORTGAGE, INC. | 16 | $10.3M | $642K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 12 | $3.3M | $271K | 0.0% |
| OAKTREE FUNDING CORP. | 11 | $2.7M | $249K | 9.1% |
| Rocket Mortgage, LLC | 9 | $2.0M | $219K | 44.4% |
| Kiavi Funding, Inc. | 7 | $1.3M | $186K | 28.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | $1.1M | $152K | 0.0% |
| Liberty | 7 | $0.8M | $121K | 100.0% |
| OCMBC, INC. | 6 | $2.1M | $358K | 66.7% |
| LOWER, LLC | 6 | $1.7M | $290K | 0.0% |
| GUILD MORTGAGE COMPANY | 6 | $1.2M | $197K | 16.7% |
| Harmony Bank | 6 | $1.2M | $195K | 83.3% |
| First Financial Bank | 6 | $1.0M | $167K | 83.3% |
| KIND LENDING, LLC | 5 | $1.7M | $331K | 40.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | $1.6M | $311K | 40.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $1.3M | $267K | 100.0% |
| Gateway First Bank | 5 | $1.3M | $259K | 100.0% |
| Ennis State Bank | 5 | $1.0M | $197K | 60.0% |
| First Bank | 5 | $0.8M | $161K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $2.0M | $500K | 25.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | $1.9M | $465K | 75.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | $1.2M | $298K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.0M | $255K | 75.0% |
| CHAMPIONS FUNDING, LLC | 4 | $1.0M | $250K | 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 Ellis County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Ellis County CSV, all 25 lenders
What Ellis County's table can't show you: fit. Short-term financing is exempt from HMDA, so Ellis County's fix-and-flip and bridge lenders barely appear among its 119 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 Ellis County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Ellis 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 — Ellis County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 119 lenders and 324 loans: 2025 HMDA loan-level data rolled up to Ellis County.
- Ellis County investor-lender dataset (CSV) — All 25 Ellis County lenders in the table, UNITED SHORE FINANCIAL SERVICES, 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.