DSCR Loans in Gibson County, Tennessee
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 108 investment-property loans in Gibson County, 0.7% of Tennessee's total. Dominick Prevete arranges DSCR loans across Gibson County, Tennessee, 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 $210,000.
Gibson County investor market at a glance
| Statistic | Gibson County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 108 | 15,845 | 23rd of 24 |
| Reporting lenders | 29 | 634 | 24th of 24 |
| Loan volume | $13.8M | $4.51B | 24th of 24 |
| Average loan | $128K | $285K | 24th of 24 |
| Median loan | $115K | $205K | 24th of 24 |
| Purchases | 51.9% | 57.0% | 17th of 24 |
| Cash-out refinances | 12.0% | 15.4% | 18th of 24 |
| 2–4 unit properties | 20.4% | 12.2% | 7th of 24 |
| Top five lenders' share | 58.3% | 14.7% | 4th of 24 |
| Reported business-purpose | 32.4% | 66.4% | 23rd of 24 |
Gibson County: closed-end loans on 1–4 unit investment properties. Gibson County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Gibson County's investor loans.
What stands out in Gibson County
The average investor loan in Gibson County was $128K, the lowest average of Tennessee's 24 counties with published data (statewide: $285K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
32.4% of Gibson County's investor loans were reported as business-purpose, the 2nd-lowest share of Tennessee's 24 counties with published data (statewide: 66.4%).
Fewer investor loans here were reported as business-purpose than in most of Tennessee. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The five most active lenders wrote 58.3% of Gibson County's investor loans, the 4th-highest share of Tennessee's 24 counties with published data (statewide: 14.7%).
Five lenders write 58.3% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Gibson County?
At HUD's fair market rent of $1,378 for a 3-bedroom in Gibson County, Tennessee, a rental covers its full DSCR payment up to a purchase price of about $210,000, with 20% down at the 7.25% starting rate (November 2026). Gibson County's median home value is $156,900; at that price the payment is $1,008 a month, so the property would need $1,025 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) | $995 / $1,378 / $1,573 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $156,900 |
| Median property taxes and effective rate | $1,039 (0.66% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,008 |
| Rent needed to cover that payment | $1,025 |
| Coverage of a 3-bedroom at fair market rent | 1.37 |
| Highest price a 3-bedroom at fair market rent covers | about $210,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $305,000 |
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 Gibson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Gibson County?
The most active investment-property lenders in Gibson County in 2025 HMDA data were Carroll Bank and Trust, Centennial Bank and Decatur County Bank, 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.
Gibson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 108 loans and $13.8M from 29 lenders. Carroll Bank and Trust led Gibson County with 22 loans, 20.4% of the county's total, and the average Gibson County loan of $128K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Carroll Bank and Trust | 22 | $2.5M | $112K | 13.6% |
| Centennial Bank | 21 | $2.8M | $132K | 61.9% |
| Decatur County Bank | 8 | $1.2M | $148K | 37.5% |
| Cadence Bank | 6 | $0.9M | $145K | 83.3% |
| SECURITY BANK | 6 | $0.7M | $110K | 50.0% |
| Community Bank | 5 | $0.7M | $137K | 80.0% |
| SECURITY BANK AND TRUST COMPANY | 4 | $0.7M | $168K | 25.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.5M | $120K | 50.0% |
| Commercial Bank & Trust Co. | 4 | $0.5M | $113K | 50.0% |
| First Citizens National Bank | 4 | $0.3M | $63K | 50.0% |
| FirstBank | 3 | $0.6M | $212K | 66.7% |
| Leaders Credit Union | 2 | $0.3M | $165K | 100.0% |
| Paragon Bank | 2 | $0.2M | $110K | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | $0.2M | $95K | 100.0% |
| The First National Bank of Middle Tennessee | 1 | $0.2M | $245K | 100.0% |
| LEI:984500RF83EA742B5589 | 1 | $0.2M | $245K | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | $0.2M | $235K | 100.0% |
| Regions Bank | 1 | $0.2M | $175K | 100.0% |
| MORTGAGE INVESTORS GROUP, INC. | 1 | $0.2M | $165K | 100.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | $0.1M | $145K | 0.0% |
| Bank of Crockett | 1 | $0.1M | $135K | 100.0% |
| 21st Mortgage Corporation | 1 | $0.1M | $125K | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | $0.1M | $105K | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | $0.1M | $105K | 100.0% |
| First Horizon Bank | 1 | $0.1M | $95K | 100.0% |
451 Tennessee loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Gibson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Gibson County CSV, all 25 lenders
What Gibson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Gibson 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 Gibson County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Gibson County, Tennessee 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 — Gibson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 29 lenders and 108 loans: 2025 HMDA loan-level data rolled up to Gibson County.
- Gibson County investor-lender dataset (CSV) — All 25 lenders in the Gibson County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Gibson 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 Gibson County, TN HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Gibson 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.