DSCR Loans in Grays Harbor County, Washington
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 65 lenders made 137 investment-property loans in Grays Harbor County, 1.4% of Washington's total. Dominick Prevete arranges DSCR loans across Grays Harbor County, Washington, 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 $280,000.
Grays Harbor County investor market at a glance
| Statistic | Grays Harbor County | Washington | County rank |
|---|---|---|---|
| Investor loans | 137 | 9,950 | 11th of 17 |
| Reporting lenders | 65 | 382 | 10th of 17 |
| Loan volume | $48.7M | $4.66B | 12th of 17 |
| Average loan | $356K | $468K | 11th of 17 |
| Median loan | $245K | $395K | 15th of 17 |
| Purchases | 49.6% | 53.8% | 15th of 17 |
| Cash-out refinances | 23.4% | 18.8% | 6th of 17 |
| 2–4 unit properties | 13.9% | 13.9% | 12th of 17 |
| Top five lenders' share | 24.1% | 20.1% | 15th of 17 |
| Reported business-purpose | 74.5% | 74.8% | 9th of 17 |
Grays Harbor County: closed-end loans on 1–4 unit investment properties. Grays Harbor County's rank is highest first, among Washington's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Grays Harbor County's investor loans.
What stands out in Grays Harbor County
The median investor loan in Grays Harbor County was $245K, the 2nd-lowest median of Washington's 17 counties with published data (statewide: $395K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
49.6% of Grays Harbor County's investor loans were purchases, the 3rd-lowest share of Washington's 17 counties with published data (statewide: 53.8%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 24.1% of Grays Harbor County's investor loans, the 3rd-lowest share of Washington's 17 counties with published data (statewide: 20.1%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Grays Harbor County?
At HUD's fair market rent of $1,862 for a 3-bedroom in Grays Harbor County, Washington, a rental covers its full DSCR payment up to a purchase price of about $280,000, with 20% down at the 7.25% starting rate (November 2026). Grays Harbor County's median home value is $314,000; at that price the payment is $2,054 a month, so the property would need $2,075 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) | $1,345 / $1,862 / $2,123 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $314,000 |
| Median property taxes and effective rate | $2,512 (0.80% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,054 |
| Rent needed to cover that payment | $2,075 |
| Coverage of a 3-bedroom at fair market rent | 0.91 |
| Highest price a 3-bedroom at fair market rent covers | about $280,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $410,000 |
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 Grays Harbor County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Grays Harbor County?
The most active investment-property lenders in Grays Harbor County in 2025 HMDA data were Kiavi Funding, Inc.; LEI:9845005BP6974AE5D838; and ABL RPC Residential Credit Acquisition LLC, out of 65 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 two that reported in Grays Harbor County, and matches each file to the one most likely to fund it.
Grays Harbor County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 137 loans and $48.7M from 65 lenders. Kiavi Funding, Inc. led Grays Harbor County with 9 loans, 6.6% of the county's total, and the average Grays Harbor County loan of $356K compares with $468K across Washington.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 9 | $1.6M | $176K | 66.7% |
| LEI:9845005BP6974AE5D838 | 6 | $3.1M | $525K | 66.7% |
| ABL RPC Residential Credit Acquisition LLC | 6 | $2.1M | $347K | 0.0% |
| Rocket Mortgage, LLC | 6 | $2.1M | $345K | 16.7% |
| GUILD MORTGAGE COMPANY | 6 | $2.0M | $332K | 83.3% |
| Greenbox Loans, Inc. | 6 | $0.9M | $150K | 100.0% |
| THE LOAN STORE, INC. | 5 | $3.7M | $735K | 40.0% |
| MOVEMENT MORTGAGE, LLC | 5 | $2.1M | $423K | 40.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $1.2M | $237K | 60.0% |
| 1st Security Bank of Washington | 4 | $1.1M | $265K | 50.0% |
| Broker Solutions, Inc. | 3 | $0.8M | $268K | 33.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 3 | $0.8M | $262K | 33.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | $0.7M | $228K | 66.7% |
| Citadel Servicing Corporation | 3 | $0.6M | $202K | 0.0% |
| Boeing Employees Credit Union | 3 | $0.4M | $135K | 66.7% |
| Bank of America, National Association | 2 | $3.0M | $1510K | 0.0% |
| A&D Mortgage LLC | 2 | $1.6M | $805K | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | $1.3M | $635K | 50.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | $0.9M | $455K | 100.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.7M | $355K | 50.0% |
| CMG MORTGAGE, INC. | 2 | $0.6M | $290K | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.6M | $285K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.5M | $255K | 50.0% |
| KeyBank National Association | 2 | $0.5M | $250K | 50.0% |
| GUARANTEED RATE, INC. | 2 | $0.5M | $245K | 50.0% |
505 Washington loans (5.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Grays Harbor County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Grays Harbor County CSV, all 25 lenders
What Grays Harbor County's table can't show you: fit. Short-term financing is exempt from HMDA, so Grays Harbor County's fix-and-flip and bridge lenders barely appear among its 65 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 some 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 Grays Harbor County, Washington deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Grays Harbor County, Washington 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 — Grays Harbor County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 65 lenders and 137 loans: 2025 HMDA loan-level data rolled up to Grays Harbor County.
- Grays Harbor County investor-lender dataset (CSV) — All 25 lenders in the Grays Harbor County, Washington table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Grays Harbor 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 Grays Harbor County, WA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Grays Harbor 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.