DSCR Loans in Fort Bend 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 Fort Bend 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, 229 lenders made 1,459 investment-property loans there, 2.9% of Texas's total; the most active are in the table below.
Fort Bend County investor market at a glance
| Statistic | Fort Bend County | Texas | County rank |
|---|---|---|---|
| Investor loans | 1,459 | 49,613 | 9th of 51 |
| Reporting lenders | 229 | 903 | 9th of 51 |
| Loan volume | $365.3M | $13.00B | 9th of 51 |
| Average loan | $250K | $262K | 20th of 51 |
| Median loan | $225K | $205K | 11th of 51 |
| Purchases | 72.7% | 61.7% | 8th of 51 |
| Cash-out refinances | 17.0% | 17.9% | 28th of 51 |
| 2–4 unit properties | 1.2% | 8.8% | 48th of 51 |
| Top five lenders' share | 30.4% | 18.3% | 24th of 51 |
| Reported business-purpose | 72.4% | 68.5% | 9th of 51 |
Fort Bend County: closed-end loans on 1–4 unit investment properties. Fort Bend County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Fort Bend County's investor loans.
What stands out in Fort Bend County
The five most active lenders wrote 30.4% of Fort Bend County's investor loans, ranking 24th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 30.4% of the loans here, so comparing written term sheets matters more.
72.7% of Fort Bend County's investor loans were purchases, ranking 8th highest of Texas's 51 counties with published data (statewide: 61.7%).
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.
Who are the DSCR and investment-property lenders in Fort Bend County?
The most active investment-property lenders in Fort Bend County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; AMWEST FUNDING CORP.; and THE LOAN STORE, INC., out of 229 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 Fort Bend County, and matches each file to the one most likely to fund it.
Fort Bend County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,459 loans and $365.3M from 229 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Fort Bend County with 143 loans, 9.8% of the county's total, and the average Fort Bend County loan of $250K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 143 | $35.3M | $247K | 67.1% |
| AMWEST FUNDING CORP. | 101 | $24.5M | $242K | 70.3% |
| THE LOAN STORE, INC. | 81 | $20.5M | $253K | 77.8% |
| DHI MORTGAGE COMPANY, LTD. | 67 | $16.5M | $246K | 100.0% |
| Rocket Mortgage, LLC | 52 | $11.6M | $223K | 71.2% |
| East West Bank | 41 | $11.3M | $276K | 95.1% |
| Citadel Servicing Corporation | 36 | $10.1M | $281K | 83.3% |
| KIND LENDING, LLC | 35 | $7.8M | $222K | 60.0% |
| CHAMPIONS FUNDING, LLC | 31 | $7.7M | $249K | 61.3% |
| A&D Mortgage LLC | 28 | $7.1M | $254K | 60.7% |
| LENNAR MORTGAGE, LLC | 28 | $6.6M | $236K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 25 | $6.4M | $256K | 84.0% |
| OCMBC, INC. | 24 | $6.0M | $251K | 66.7% |
| Kiavi Funding, Inc. | 22 | $5.1M | $231K | 81.8% |
| Hometown Equity Mortgage, LLC | 21 | $5.1M | $243K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 17 | $3.9M | $230K | 35.3% |
| Commerce Home Mortgage, Inc. | 16 | $4.0M | $251K | 87.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | $3.3M | $237K | 100.0% |
| JPMorgan Chase Bank, National Association | 14 | $3.2M | $227K | 78.6% |
| DEEPHAVEN MORTGAGE LLC | 13 | $2.9M | $224K | 76.9% |
| Broker Solutions, Inc. | 12 | $3.8M | $318K | 75.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | $2.9M | $244K | 41.7% |
| Stellar Bank | 11 | $4.2M | $386K | 90.9% |
| LEGEND LENDING CORPORATION | 11 | $2.6M | $236K | 63.6% |
| Fidelity Lending Solutions, Inc. | 11 | $2.6M | $235K | 90.9% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Fort Bend County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Fort Bend County CSV, all 25 lenders
What Fort Bend County's table can't show you: fit. Short-term financing is exempt from HMDA, so Fort Bend County's fix-and-flip and bridge lenders barely appear among its 229 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 Fort Bend County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Fort Bend 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 — Fort Bend County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 229 lenders and 1,459 loans: 2025 HMDA loan-level data rolled up to Fort Bend County.
- Fort Bend County investor-lender dataset (CSV) — All 25 Fort Bend 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.