DSCR Loans in Grafton County, New Hampshire
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, 71 lenders made 132 investment-property loans in Grafton County, 8.7% of New Hampshire's total. Dominick Prevete arranges DSCR loans across Grafton County, New Hampshire, 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 $315,000.
Grafton County investor market at a glance
| Statistic | Grafton County | New Hampshire | County rank |
|---|---|---|---|
| Investor loans | 132 | 1,514 | 6th of 7 |
| Reporting lenders | 71 | 229 | 4th of 7 |
| Loan volume | $45.8M | $566.5M | 6th of 7 |
| Average loan | $347K | $374K | 6th of 7 |
| Median loan | $285K | $335K | 7th of 7 |
| Purchases | 68.2% | 63.1% | 3rd of 7 |
| Cash-out refinances | 12.1% | 20.3% | 6th of 7 |
| 2–4 unit properties | 15.2% | 36.5% | 6th of 7 |
| Top five lenders' share | 26.5% | 19.7% | 4th of 7 |
| Reported business-purpose | 63.6% | 69.4% | 7th of 7 |
Grafton County: closed-end loans on 1–4 unit investment properties. Grafton County's rank is highest first, among New Hampshire's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Grafton County's investor loans.
What stands out in Grafton County
63.6% of Grafton County's investor loans were reported as business-purpose, the lowest share of New Hampshire's 7 counties with published data (statewide: 69.4%).
Fewer investor loans here were reported as business-purpose than in most of New Hampshire. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The median investor loan in Grafton County was $285K, the lowest median of New Hampshire's 7 counties with published data (statewide: $335K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Grafton County?
At HUD's fair market rent of $2,331 for a 3-bedroom in Grafton County, New Hampshire, a rental covers its full DSCR payment up to a purchase price of about $315,000, with 20% down at the 7.25% starting rate (November 2026). Grafton County's median home value is $344,500; at that price the payment is $2,517 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) | $1,719 / $2,331 / $2,367 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $344,500 |
| Median property taxes and effective rate | $5,925 (1.72% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,517 |
| Rent needed to cover that payment | $2,525 |
| Coverage of a 3-bedroom at fair market rent | 0.93 |
| Highest price a 3-bedroom at fair market rent covers | about $315,000 |
| HUD area | Grafton County, NH |
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 Grafton County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Grafton County?
The most active investment-property lenders in Grafton County in 2025 HMDA data were United Wholesale Mortgage; Mascoma Bank; and CMG MORTGAGE, INC., out of 71 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.
Grafton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 132 loans and $45.8M from 71 lenders. United Wholesale Mortgage led Grafton County with 10 loans, 7.6% of the county's total, and the average Grafton County loan of $347K compares with $374K across New Hampshire.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 10 | $3.2M | $320K | 60.0% |
| Mascoma Bank | 8 | $1.7M | $211K | 87.5% |
| CMG MORTGAGE, INC. | 6 | $1.6M | $273K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $1.6M | $270K | 83.3% |
| Leader Bank, National Association | 5 | $2.2M | $433K | 100.0% |
| EMM LOANS LLC | 5 | $1.4M | $271K | 80.0% |
| GUARANTEED RATE, INC. | 4 | $2.4M | $610K | 50.0% |
| Meredith Village Savings Bank | 4 | $1.2M | $298K | 75.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | $2.3M | $765K | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | $1.4M | $462K | 66.7% |
| MORTGAGE EQUITY PARTNERS LLC | 3 | $1.2M | $395K | 66.7% |
| NORTH COUNTRY | 3 | $1.0M | $345K | 0.0% |
| Bar Harbor Bank & Trust | 3 | $0.4M | $135K | 66.7% |
| Haverhill Bank | 2 | $1.8M | $885K | 50.0% |
| Rocket Mortgage, LLC | 2 | $1.5M | $770K | 50.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 2 | $0.8M | $425K | 50.0% |
| Loandepot.Com, LLC | 2 | $0.8M | $420K | 100.0% |
| GUILD MORTGAGE COMPANY | 2 | $0.7M | $345K | 100.0% |
| KIND LENDING, LLC | 2 | $0.7M | $325K | 100.0% |
| Franklin Savings Bank | 2 | $0.6M | $305K | 50.0% |
| Bank of New Hampshire | 2 | $0.6M | $290K | 100.0% |
| Logan Finance Corporation | 2 | $0.5M | $245K | 50.0% |
| Union Bank | 2 | $0.5M | $235K | 0.0% |
| Wells Fargo Bank, National Association | 2 | $0.3M | $125K | 0.0% |
| CCG Fund 1, LLC | 1 | $1.0M | $965K | 0.0% |
15 New Hampshire loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Grafton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Grafton County CSV, all 25 lenders
What Grafton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Grafton County's fix-and-flip and bridge lenders barely appear among its 71 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Grafton County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Grafton County |
|---|---|---|---|
| Carroll County, NH | 135 | 77 | Borders Grafton County |
| Belknap County, NH | 109 | 61 | Borders Grafton County |
| Merrimack County, NH | 137 | 65 | Borders Grafton County |
| Strafford County, NH | 138 | 62 | About 60 miles away |
| Chittenden County, VT | 190 | 37 | About 70 miles away |
Run the coverage test on your Grafton County, New Hampshire deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Grafton County, New Hampshire 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 — Grafton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 71 lenders and 132 loans: 2025 HMDA loan-level data rolled up to Grafton County.
- Grafton County investor-lender dataset (CSV) — All 25 lenders in the Grafton County, New Hampshire table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Grafton 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 Grafton County, NH.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Grafton 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.