DSCR Loans in Grady County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 53 lenders made 161 investment-property loans in Grady County, 1.5% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Grady 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 $210,000.
Grady County investor market at a glance
| Statistic | Grady County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 161 | 10,662 | 11th of 19 |
| Reporting lenders | 53 | 418 | 11th of 19 |
| Loan volume | $26.9M | $1.93B | 13th of 19 |
| Average loan | $167K | $181K | 11th of 19 |
| Median loan | $125K | $145K | 13th of 19 |
| Purchases | 59.6% | 62.5% | 14th of 19 |
| Cash-out refinances | 5.0% | 8.7% | 17th of 19 |
| 2–4 unit properties | 21.7% | 13.2% | 1st of 19 |
| Top five lenders' share | 46.6% | 21.4% | 8th of 19 |
| Reported business-purpose | 52.2% | 63.5% | 17th of 19 |
Grady County: closed-end loans on 1–4 unit investment properties. Grady County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Grady County's investor loans.
What stands out in Grady County
21.7% of Grady County's investor loans financed a 2–4 unit property, the highest share of Oklahoma's 19 counties with published data (statewide: 13.2%).
2–4 unit properties are a larger share here than in most of Oklahoma. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
5.0% of Grady County's investor loans were cash-out refinances, the 3rd-lowest share of Oklahoma's 19 counties with published data (statewide: 8.7%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
52.2% of Grady County's investor loans were reported as business-purpose, the 3rd-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.
Does a DSCR loan pencil in Grady County?
At HUD's fair market rent of $1,363 for a 3-bedroom in Grady County, Oklahoma, 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). Grady County's median home value is $205,800; at that price the payment is $1,326 a month, so the property would need $1,350 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) | $1,011 / $1,363 / $1,690 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $205,800 |
| Median property taxes and effective rate | $1,400 (0.68% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,326 |
| Rent needed to cover that payment | $1,350 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| 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 $310,000 |
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 Grady County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Grady County?
The most active investment-property lenders in Grady County in 2025 HMDA data were The First National Bank and Trust Co., Liberty National Bank and Arvest Bank, out of 53 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.
Grady County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 161 loans and $26.9M from 53 lenders. The First National Bank and Trust Co. led Grady County with 24 loans, 14.9% of the county's total, and the average Grady County loan of $167K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The First National Bank and Trust Co. | 24 | $3.4M | $143K | 62.5% |
| Liberty National Bank | 18 | $2.6M | $146K | 77.8% |
| Arvest Bank | 12 | $1.6M | $134K | 33.3% |
| Great Plains National Bank | 12 | $1.5M | $124K | 41.7% |
| GUARANTEED RATE, INC. | 9 | $1.2M | $133K | 77.8% |
| OCMBC, INC. | 7 | $1.5M | $214K | 28.6% |
| BancFirst | 7 | $1.1M | $164K | 57.1% |
| Sooner State Bank | 4 | $2.0M | $498K | 100.0% |
| The Citizens Bank of Edmond | 4 | $0.7M | $180K | 25.0% |
| First Enterprise Bank | 4 | $0.5M | $118K | 0.0% |
| F&M Bank | 3 | $2.1M | $688K | 0.0% |
| Armstrong Bank | 3 | $1.0M | $328K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | $0.6M | $195K | 100.0% |
| LEI:254900TGSOSDEDP36K37 | 3 | $0.4M | $138K | 100.0% |
| Legacy Bank | 2 | $0.6M | $285K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.3M | $140K | 100.0% |
| Prosperity Bank | 2 | $0.3M | $130K | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.3M | $125K | 0.0% |
| OKLAHOMA'S CREDIT UNION | 2 | $0.3M | $125K | 100.0% |
| Wells Fargo Bank, National Association | 2 | $0.2M | $120K | 100.0% |
| CMG MORTGAGE, INC. | 2 | $0.2M | $115K | 100.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 2 | $0.1M | $60K | 100.0% |
| ASSOCIATED MORTGAGE CORPORATION | 2 | $0.1M | $60K | 50.0% |
| FlexPoint, Inc. | 1 | $0.4M | $395K | 100.0% |
| VALOR BANK | 1 | $0.3M | $285K | 100.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Grady County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Grady County CSV, all 25 lenders
What Grady County's table can't show you: fit. Short-term financing is exempt from HMDA, so Grady County's fix-and-flip and bridge lenders barely appear among its 53 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 Grady County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Grady 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 — Grady County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 53 lenders and 161 loans: 2025 HMDA loan-level data rolled up to Grady County.
- Grady County investor-lender dataset (CSV) — All 25 lenders in the Grady County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Grady 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 Grady County, OK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Grady 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.