DSCR Loans in Fresno County, California
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)
In 2025 HMDA data, 175 lenders made 1,507 investment-property loans in Fresno County, 2.8% of California's total. Dominick Prevete arranges DSCR loans across Fresno County, California, 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 $355,000.
Fresno County investor market at a glance
| Statistic | Fresno County | California | County rank |
|---|---|---|---|
| Investor loans | 1,507 | 54,410 | 10th of 39 |
| Reporting lenders | 175 | 630 | 11th of 39 |
| Loan volume | $435.7M | $37.12B | 17th of 39 |
| Average loan | $289K | $682K | 30th of 39 |
| Median loan | $275K | $485K | 31st of 39 |
| Purchases | 56.7% | 51.1% | 11th of 39 |
| Cash-out refinances | 26.6% | 25.6% | 15th of 39 |
| 2–4 unit properties | 10.2% | 16.6% | 31st of 39 |
| Top five lenders' share | 36.9% | 23.2% | 7th of 39 |
| Reported business-purpose | 68.9% | 71.2% | 26th of 39 |
Fresno County: closed-end loans on 1–4 unit investment properties. Fresno County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Fresno County's investor loans.
What stands out in Fresno County
The five most active lenders wrote 36.9% of Fresno County's investor loans, the 7th-highest share of California's 39 counties with published data (statewide: 23.2%).
Five lenders write 36.9% of the loans here, so comparing written term sheets matters more.
The median investor loan in Fresno County was $275K, the 8th-lowest median of California's 39 counties with published data (statewide: $485K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
10.2% of Fresno County's investor loans financed a 2–4 unit property, the 9th-lowest share of California's 39 counties with published data (statewide: 16.6%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Fresno County?
At HUD's fair market rent of $2,333 for a 3-bedroom in Fresno County, California, a rental covers its full DSCR payment up to a purchase price of about $355,000, with 20% down at the 7.25% starting rate (November 2026). Fresno County's median home value is $388,800; at that price the payment is $2,522 a month, so the property would need $2,525 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) | $1,685 / $2,333 / $2,671 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $388,800 |
| Median property taxes and effective rate | $2,861 (0.74% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,522 |
| Rent needed to cover that payment | $2,525 |
| Coverage of a 3-bedroom at fair market rent | 0.92 |
| Highest price a 3-bedroom at fair market rent covers | about $355,000 |
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 Fresno County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Fresno County?
The most active investment-property lenders in Fresno County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and THE LOAN STORE, INC., out of 175 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 Fresno County, and matches each file to the one most likely to fund it.
Fresno County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,507 loans and $435.7M from 175 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Fresno County with 166 loans, 11.0% of the county's total, and the average Fresno County loan of $289K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 166 | $46.9M | $282K | 48.2% |
| Kiavi Funding, Inc. | 154 | $49.1M | $319K | 95.5% |
| THE LOAN STORE, INC. | 91 | $28.1M | $309K | 73.6% |
| KIND LENDING, LLC | 73 | $22.6M | $310K | 58.9% |
| Rocket Mortgage, LLC | 72 | $18.8M | $260K | 37.5% |
| LENNAR MORTGAGE, LLC | 60 | $19.3M | $322K | 100.0% |
| ALAMEDA MORTGAGE CORPORATION | 60 | $16.2M | $270K | 68.3% |
| PENNYMAC LOAN SERVICES, LLC | 46 | $15.4M | $336K | 65.2% |
| OCMBC, INC. | 41 | $10.2M | $249K | 63.4% |
| HOMEXPRESS MORTGAGE CORP. | 38 | $10.2M | $269K | 18.4% |
| NEXERA HOLDING LLC | 29 | $10.4M | $360K | 27.6% |
| GOLDEN EMPIRE MORTGAGE, INC. | 25 | $7.6M | $305K | 56.0% |
| Hometown Equity Mortgage, LLC | 19 | $4.5M | $238K | 68.4% |
| CHAMPIONS FUNDING, LLC | 18 | $4.8M | $268K | 33.3% |
| AMWEST FUNDING CORP. | 17 | $4.8M | $285K | 41.2% |
| DEEPHAVEN MORTGAGE LLC | 17 | $3.5M | $206K | 17.6% |
| JMAC LENDING, INC. | 16 | $4.6M | $285K | 75.0% |
| Paramount Residential Mortgage Group, Inc. | 14 | $4.4M | $314K | 71.4% |
| Commerce Home Mortgage, Inc. | 14 | $4.0M | $282K | 42.9% |
| JPMorgan Chase Bank, National Association | 13 | $3.4M | $262K | 46.2% |
| Loan Funder LLC | 13 | $3.2M | $244K | 38.5% |
| AMERICAN HERITAGE LENDING, LLC | 13 | $3.1M | $240K | 23.1% |
| NexBank | 12 | $3.6M | $304K | 25.0% |
| Loandepot.Com, LLC | 11 | $3.5M | $321K | 54.5% |
| U.S. Bank National Association | 11 | $3.4M | $308K | 72.7% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Fresno County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Fresno County CSV, all 25 lenders
What Fresno County's table can't show you: fit. Short-term financing is exempt from HMDA, so Fresno County's fix-and-flip and bridge lenders barely appear among its 175 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 Fresno County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Fresno County, California 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 — Fresno County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 175 lenders and 1,507 loans: 2025 HMDA loan-level data rolled up to Fresno County.
- Fresno County investor-lender dataset (CSV) — All 25 lenders in the Fresno County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Fresno 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 Fresno, CA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Fresno 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.