DSCR Loans in Fond du Lac County, Wisconsin
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 42 lenders made 121 investment-property loans in Fond du Lac County, 1.4% of Wisconsin's total. Dominick Prevete arranges DSCR loans across Fond du Lac County, Wisconsin, 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 $215,000.
Fond du Lac County investor market at a glance
| Statistic | Fond du Lac County | Wisconsin | County rank |
|---|---|---|---|
| Investor loans | 121 | 8,874 | 16th of 17 |
| Reporting lenders | 42 | 462 | 15th of 17 |
| Loan volume | $20.2M | $1.96B | 17th of 17 |
| Average loan | $167K | $221K | 16th of 17 |
| Median loan | $135K | $175K | 15th of 17 |
| Purchases | 66.1% | 59.3% | 4th of 17 |
| Cash-out refinances | 19.8% | 16.9% | 4th of 17 |
| 2–4 unit properties | 38.0% | 41.0% | 14th of 17 |
| Top five lenders' share | 44.6% | 14.2% | 6th of 17 |
| Reported business-purpose | 67.8% | 66.8% | 9th of 17 |
Fond du Lac County: closed-end loans on 1–4 unit investment properties. Fond du Lac County's rank is highest first, among Wisconsin's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Fond du Lac County's investor loans.
What stands out in Fond du Lac County
The median investor loan in Fond du Lac County was $135K, the 2nd-lowest median of Wisconsin's 17 counties with published data (statewide: $175K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
66.1% of Fond du Lac County's investor loans were purchases, the 4th-highest share of Wisconsin's 17 counties with published data (statewide: 59.3%).
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.
19.8% of Fond du Lac County's investor loans were cash-out refinances, the 4th-highest share of Wisconsin's 17 counties with published data (statewide: 16.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Fond du Lac County?
At HUD's fair market rent of $1,560 for a 3-bedroom in Fond du Lac County, Wisconsin, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Fond du Lac County's median home value is $222,800; at that price the payment is $1,589 a month, so the property would need $1,600 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) | $1,224 / $1,560 / $1,736 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $222,800 |
| Median property taxes and effective rate | $3,365 (1.51% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,589 |
| Rent needed to cover that payment | $1,600 |
| Coverage of a 3-bedroom at fair market rent | 0.98 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
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 Fond du Lac County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Fond du Lac County?
The most active investment-property lenders in Fond du Lac County in 2025 HMDA data were Horicon Bank, National Exchange Bank and Trust and Summit Credit Union, out of 42 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 Fond du Lac County, and matches each file to the one most likely to fund it.
Fond du Lac County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 121 loans and $20.2M from 42 lenders. Horicon Bank led Fond du Lac County with 17 loans, 14.0% of the county's total, and the average Fond du Lac County loan of $167K compares with $221K across Wisconsin.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Horicon Bank | 17 | $3.1M | $184K | 88.2% |
| National Exchange Bank and Trust | 17 | $2.7M | $157K | 64.7% |
| Summit Credit Union | 7 | $1.4M | $201K | 57.1% |
| U.S. Bank National Association | 7 | $1.1M | $159K | 42.9% |
| West Pointe Bank | 6 | $1.1M | $185K | 83.3% |
| Bank First, N.A. | 6 | $0.8M | $130K | 50.0% |
| Bristol Morgan Bank | 4 | $1.0M | $250K | 75.0% |
| Kiavi Funding, Inc. | 4 | $0.7M | $165K | 75.0% |
| Fortifi Bank | 4 | $0.6M | $155K | 50.0% |
| COMPEER FINANCIAL, FLCA | 4 | $0.6M | $150K | 75.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $0.6M | $140K | 0.0% |
| United Wholesale Mortgage | 3 | $0.8M | $252K | 100.0% |
| Nations Lending Corporation | 3 | $0.4M | $135K | 100.0% |
| OCMBC, INC. | 2 | $0.4M | $185K | 100.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.4M | $185K | 50.0% |
| VERVE, A CREDIT UNION | 2 | $0.4M | $180K | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.3M | $160K | 100.0% |
| Premier Community Bank | 2 | $0.3M | $160K | 50.0% |
| Associated Bank, National Association | 2 | $0.2M | $120K | 100.0% |
| Cleveland State Bank | 1 | $0.4M | $375K | 100.0% |
| Wolf River Community Bank | 1 | $0.3M | $275K | 100.0% |
| KIND LENDING, LLC | 1 | $0.3M | $265K | 100.0% |
| Peoples State Bank | 1 | $0.3M | $255K | 100.0% |
| NEWREZ LLC | 1 | $0.2M | $225K | 100.0% |
| UNION HOME MORTGAGE CORP. | 1 | $0.2M | $155K | 100.0% |
154 Wisconsin loans (1.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Fond du Lac County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Fond du Lac County CSV, all 25 lenders
What Fond du Lac County's table can't show you: fit. Short-term financing is exempt from HMDA, so Fond du Lac County's fix-and-flip and bridge lenders barely appear among its 42 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Fond du Lac County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Fond du Lac County |
|---|---|---|---|
| Winnebago County, WI | 249 | 65 | Borders Fond du Lac County |
| Sheboygan County, WI | 200 | 62 | Borders Fond du Lac County |
| Washington County, WI | 118 | 54 | Borders Fond du Lac County |
| Outagamie County, WI | 282 | 67 | About 45 miles away |
| Manitowoc County, WI | 186 | 50 | About 55 miles away |
Run the coverage test on your Fond du Lac County, Wisconsin deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Fond du Lac County, Wisconsin 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 — Fond du Lac County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 42 lenders and 121 loans: 2025 HMDA loan-level data rolled up to Fond du Lac County.
- Fond du Lac County investor-lender dataset (CSV) — All 25 lenders in the Fond du Lac County, Wisconsin table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Fond du Lac 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 Fond du Lac, WI MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Fond du Lac 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.