DSCR Loans in Garfield County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 29 lenders made 112 investment-property loans in Garfield County, 1.1% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Garfield County, Oklahoma, 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 $195,000.
Garfield County investor market at a glance
| Statistic | Garfield County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 112 | 10,662 | 18th of 19 |
| Reporting lenders | 29 | 418 | 18th of 19 |
| Loan volume | $12.7M | $1.93B | 19th of 19 |
| Average loan | $114K | $181K | 19th of 19 |
| Median loan | $95K | $145K | 17th of 19 |
| Purchases | 64.3% | 62.5% | 10th of 19 |
| Cash-out refinances | 5.4% | 8.7% | 15th of 19 |
| 2–4 unit properties | 16.1% | 13.2% | 7th of 19 |
| Top five lenders' share | 62.5% | 21.4% | 3rd of 19 |
| Reported business-purpose | 47.3% | 63.5% | 18th of 19 |
Garfield County: closed-end loans on 1–4 unit investment properties. Garfield County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Garfield County's investor loans.
What stands out in Garfield County
The average investor loan in Garfield County was $114K, the lowest average of Oklahoma's 19 counties with published data (statewide: $181K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
47.3% of Garfield County's investor loans were reported as business-purpose, the 2nd-lowest share of Oklahoma's 19 counties with published data (statewide: 63.5%).
Fewer investor loans here were reported as business-purpose than in most of Oklahoma. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The five most active lenders wrote 62.5% of Garfield County's investor loans, the 3rd-highest share of Oklahoma's 19 counties with published data (statewide: 21.4%).
Five lenders write 62.5% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Garfield County?
At HUD's fair market rent of $1,305 for a 3-bedroom in Garfield County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $195,000, with 20% down at the 7.25% starting rate (November 2026). Garfield County's median home value is $160,100; at that price the payment is $1,056 a month, so the property would need $1,075 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $997 / $1,305 / $1,310 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $160,100 |
| Median property taxes and effective rate | $1,389 (0.87% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,056 |
| Rent needed to cover that payment | $1,075 |
| Coverage of a 3-bedroom at fair market rent | 1.24 |
| Highest price a 3-bedroom at fair market rent covers | about $195,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $300,000 |
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 Garfield County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Garfield County?
The most active investment-property lenders in Garfield County in 2025 HMDA data were The Bank of Kremlin, The Security National Bank of Enid and InterBank, out of 29 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 and matches each file to the one most likely to fund it.
Garfield County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 112 loans and $12.7M from 29 lenders. The Bank of Kremlin led Garfield County with 20 loans, 17.9% of the county's total, and the average Garfield County loan of $114K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Bank of Kremlin | 20 | $2.2M | $110K | 65.0% |
| The Security National Bank of Enid | 20 | $1.7M | $87K | 45.0% |
| InterBank | 13 | $1.3M | $97K | 76.9% |
| Great Plains National Bank | 9 | $1.8M | $201K | 55.6% |
| Gateway First Bank | 8 | $0.7M | $91K | 62.5% |
| Stride Bank, National Association | 7 | $1.0M | $146K | 57.1% |
| Rocket Mortgage, LLC | 3 | $0.3M | $108K | 66.7% |
| FINANCIAL CONCEPTS MORTGAGE, LLC | 3 | $0.3M | $98K | 100.0% |
| ASSOCIATED MORTGAGE CORPORATION | 3 | $0.3M | $88K | 100.0% |
| First Bank & Trust Company | 3 | $0.2M | $52K | 66.7% |
| FIRST SECURITY BANK AND TRUST COMPANY | 2 | $0.6M | $285K | 100.0% |
| Equity Bank | 2 | $0.2M | $90K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.2M | $80K | 50.0% |
| NBC OKLAHOMA | 2 | $0.1M | $70K | 100.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | $0.3M | $305K | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | $0.3M | $305K | 100.0% |
| ZILLOW HOME LOANS, LLC | 1 | $0.1M | $145K | 100.0% |
| TINKER FEDERAL CREDIT UNION | 1 | $0.1M | $115K | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | $0.1M | $105K | 0.0% |
| BMO Bank National Association | 1 | $0.1M | $105K | 100.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | $0.1M | $105K | 0.0% |
| First Fidelity Bank | 1 | $0.1M | $105K | 0.0% |
| Bank of America, National Association | 1 | $0.1M | $105K | 100.0% |
| BOKF, National Association | 1 | $0.1M | $105K | 100.0% |
| KIND LENDING, LLC | 1 | $0.1M | $95K | 100.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Garfield County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Garfield County CSV, all 25 lenders
What Garfield County's table can't show you: fit. Short-term financing is exempt from HMDA, so Garfield County's fix-and-flip and bridge lenders barely appear among its 29 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 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 Garfield County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Garfield County, Oklahoma 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 — Garfield County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 29 lenders and 112 loans: 2025 HMDA loan-level data rolled up to Garfield County.
- Garfield County investor-lender dataset (CSV) — All 25 lenders in the Garfield County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Garfield 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 Enid, OK MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Garfield 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.