DSCR Loans in Frederick County, Maryland
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 120 lenders made 330 investment-property loans in Frederick County, 3.4% of Maryland's total. Dominick Prevete arranges DSCR loans across Frederick County, Maryland, 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 $460,000.
Frederick County investor market at a glance
| Statistic | Frederick County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 330 | 9,728 | 7th of 15 |
| Reporting lenders | 120 | 412 | 6th of 15 |
| Loan volume | $103.0M | $2.59B | 7th of 15 |
| Average loan | $312K | $266K | 5th of 15 |
| Median loan | $295K | $225K | 3rd of 15 |
| Purchases | 73.6% | 56.1% | 2nd of 15 |
| Cash-out refinances | 10.0% | 20.9% | 15th of 15 |
| 2–4 unit properties | 7.6% | 7.2% | 6th of 15 |
| Top five lenders' share | 18.2% | 24.7% | 14th of 15 |
| Reported business-purpose | 60.3% | 75.0% | 14th of 15 |
Frederick County: closed-end loans on 1–4 unit investment properties. Frederick County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Frederick County's investor loans.
What stands out in Frederick County
10.0% of Frederick County's investor loans were cash-out refinances, the lowest share of Maryland's 15 counties with published data (statewide: 20.9%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
73.6% of Frederick County's investor loans were purchases, the 2nd-highest share of Maryland's 15 counties with published data (statewide: 56.1%).
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.
60.3% of Frederick County's investor loans were reported as business-purpose, the 2nd-lowest share of Maryland's 15 counties with published data (statewide: 75.0%).
Fewer investor loans here were reported as business-purpose than in most of Maryland. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Frederick County?
At HUD's fair market rent of $3,107 for a 3-bedroom in Frederick County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $460,000, with 20% down at the 7.25% starting rate (November 2026). Frederick County's median home value is $464,600; at that price the payment is $3,111 a month, so the property would need $3,125 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) | $2,438 / $3,107 / $3,658 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $464,600 |
| Median property taxes and effective rate | $4,584 (0.99% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,111 |
| Rent needed to cover that payment | $3,125 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $460,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $725,000 |
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 Frederick County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Frederick County?
The most active investment-property lenders in Frederick County in 2025 HMDA data were NVR Mortgage Finance, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Woodsboro Bank, out of 120 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 one that reported in Frederick County, and matches each file to the one most likely to fund it.
Frederick County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 330 loans and $103.0M from 120 lenders. NVR Mortgage Finance, Inc. led Frederick County with 16 loans, 4.8% of the county's total, and the average Frederick County loan of $312K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| NVR Mortgage Finance, Inc. | 16 | $6.8M | $427K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | $3.4M | $260K | 69.2% |
| Woodsboro Bank | 11 | $4.7M | $423K | 81.8% |
| Rocket Mortgage, LLC | 11 | $2.9M | $266K | 36.4% |
| United Nations Federal Credit Union | 9 | $3.5M | $386K | 77.8% |
| Kiavi Funding, Inc. | 9 | $2.9M | $326K | 77.8% |
| PENNYMAC LOAN SERVICES, LLC | 9 | $2.5M | $276K | 55.6% |
| Atlantic Coast Mortgage, LLC | 8 | $2.6M | $324K | 100.0% |
| THE LOAN STORE, INC. | 8 | $2.5M | $316K | 62.5% |
| LENNAR MORTGAGE, LLC | 8 | $2.5M | $314K | 100.0% |
| ACNB Bank | 8 | $2.3M | $281K | 87.5% |
| KIND LENDING, LLC | 7 | $2.1M | $306K | 100.0% |
| OCMBC, INC. | 7 | $2.1M | $299K | 57.1% |
| Loandepot.Com, LLC | 6 | $2.1M | $352K | 33.3% |
| FEDERATED MORTGAGE CORP. | 6 | $2.1M | $347K | 50.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 6 | $2.0M | $330K | 50.0% |
| DHI MORTGAGE COMPANY, LTD. | 6 | $1.9M | $323K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $1.7M | $283K | 83.3% |
| Presidential Bank, FSB | 5 | $1.7M | $345K | 100.0% |
| Wells Fargo Bank, National Association | 5 | $1.3M | $259K | 80.0% |
| Middletown Valley Bank | 4 | $4.0M | $1005K | 75.0% |
| Citadel Servicing Corporation | 4 | $1.5M | $365K | 50.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 4 | $1.4M | $348K | 75.0% |
| NEWREZ LLC | 4 | $1.2M | $298K | 100.0% |
| NFM, INC. | 4 | $1.1M | $270K | 100.0% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Frederick County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Frederick County CSV, all 25 lenders
What Frederick County's table can't show you: fit. Short-term financing is exempt from HMDA, so Frederick County's fix-and-flip and bridge lenders barely appear among its 120 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 Frederick County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Frederick County, Maryland 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 — Frederick County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 120 lenders and 330 loans: 2025 HMDA loan-level data rolled up to Frederick County.
- Frederick County investor-lender dataset (CSV) — All 25 lenders in the Frederick County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Frederick 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 Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Frederick 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.