DSCR Loans in Galveston 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 Galveston 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, 192 lenders made 769 investment-property loans there, 1.5% of Texas's total; the most active are in the table below.
Galveston County investor market at a glance
| Statistic | Galveston County | Texas | County rank |
|---|---|---|---|
| Investor loans | 769 | 49,613 | 15th of 51 |
| Reporting lenders | 192 | 903 | 11th of 51 |
| Loan volume | $212.6M | $13.00B | 12th of 51 |
| Average loan | $276K | $262K | 13th of 51 |
| Median loan | $215K | $205K | 17th of 51 |
| Purchases | 60.7% | 61.7% | 30th of 51 |
| Cash-out refinances | 18.6% | 17.9% | 20th of 51 |
| 2–4 unit properties | 7.5% | 8.8% | 33rd of 51 |
| Top five lenders' share | 18.5% | 18.3% | 51st of 51 |
| Reported business-purpose | 68.8% | 68.5% | 18th of 51 |
Galveston County: closed-end loans on 1–4 unit investment properties. Galveston County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Galveston County's investor loans.
What stands out in Galveston County
The average investor loan in Galveston County was $276K, ranking 13th highest of Texas's 51 counties with published data (statewide: $262K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
7.5% of Galveston County's investor loans financed a 2–4 unit property, ranking 19th lowest of Texas's 51 counties with published data (statewide: 8.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Who are the DSCR and investment-property lenders in Galveston County?
The most active investment-property lenders in Galveston County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; CHAMPIONS FUNDING, LLC; and 212 LOANS, LLC., out of 192 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 Galveston County, and matches each file to the one most likely to fund it.
Galveston County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 769 loans and $212.6M from 192 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Galveston County with 62 loans, 8.1% of the county's total, and the average Galveston County loan of $276K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 62 | $14.8M | $238K | 43.5% |
| CHAMPIONS FUNDING, LLC | 21 | $7.2M | $343K | 42.9% |
| 212 LOANS, LLC. | 21 | $3.8M | $181K | 100.0% |
| HomeTown Bank, National Association | 20 | $6.6M | $332K | 70.0% |
| Rocket Mortgage, LLC | 18 | $4.8M | $266K | 61.1% |
| KIND LENDING, LLC | 17 | $6.3M | $372K | 58.8% |
| NETWORK FUNDING, L.P. | 17 | $4.6M | $270K | 70.6% |
| CMG MORTGAGE, INC. | 16 | $5.9M | $371K | 62.5% |
| THE LOAN STORE, INC. | 16 | $4.0M | $253K | 81.2% |
| HOMEXPRESS MORTGAGE CORP. | 15 | $4.2M | $281K | 33.3% |
| LENNAR MORTGAGE, LLC | 15 | $3.3M | $222K | 100.0% |
| Kiavi Funding, Inc. | 13 | $2.7M | $206K | 61.5% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 12 | $5.6M | $464K | 75.0% |
| A&D Mortgage LLC | 12 | $2.5M | $210K | 58.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | $4.9M | $450K | 63.6% |
| Hometown Equity Mortgage, LLC | 11 | $4.2M | $386K | 36.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 11 | $2.3M | $210K | 9.1% |
| Emporium TPO LLC | 11 | $2.2M | $201K | 36.4% |
| NEWREZ LLC | 11 | $1.9M | $177K | 45.5% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $3.8M | $383K | 70.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | $3.0M | $299K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | $2.2M | $245K | 44.4% |
| Loan Funder LLC | 8 | $2.5M | $316K | 50.0% |
| Citadel Servicing Corporation | 8 | $1.9M | $238K | 87.5% |
| LENDINGONE, LLC | 8 | $1.8M | $228K | 37.5% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Galveston County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Galveston County CSV, all 25 lenders
What Galveston County's table can't show you: fit. Short-term financing is exempt from HMDA, so Galveston County's fix-and-flip and bridge lenders barely appear among its 192 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 Galveston County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Galveston 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 — Galveston County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 192 lenders and 769 loans: 2025 HMDA loan-level data rolled up to Galveston County.
- Galveston County investor-lender dataset (CSV) — All 25 Galveston 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.